A KRISTEN SHELTON
Oroville,CA
There is a powerful driving force inside every human being that, once unleashed, can make any vision, dream, or desire a reality.
Tony Robbins
Summary
Dedicated banking professional well-versed in developing long-lasting and productive relationships. Skilled at reviewing accounts and business packages with a practiced eye in order to propose improvements and resolve issues. Excellent communicator and multitasker with strong planning and conflict-resolution skills.
Overview
20
20
years of professional experience
Work History
Mortgage Customer Specialist
U.S. Bank, Mortgage Servicing
Portland, OR
11.2021 - Current
- Submitted completed loan packages to underwriting department for approval or denial decisions.
- Ordered appraisals and title services on behalf of borrowers when necessary.
- Analyzed financial data such as income, assets, liabilities, and credit history to determine risk factors associated with each loan application.
- Obtained and verified clearance of underwriting conditions to prepare loan file for submission and approval.
- Communicated regularly with customers throughout the entire process from origination through closing.
- Compiled documentation required for submission to government agencies for processing.
WORKOUT ASSOCIATE
TRI COUNTIES BANK
Chico, CA
11.2019 - 11.2021
- Compiled and reviewed litigation paperwork to facilitate the foreclosure process.
- Reviewed financial documents to verify accuracy or acquire necessary information.
- Provided assistance in loan restructuring after foreclosure.
- Established appropriate current foreclosure statuses of assigned accounts and designated risk codes.
- Acquired necessary data from various sources including lien information and credit bureau history.
- Maintained current understanding of state and federal regulation and compliance procedures to prevent any legal or compliance issues.
SENIOR BANKER
TRI COUNTIES BANK
Chico, CA
04.2009 - 11.2019
- Researched and resolved customer issues on personal savings, checking and lines of credit accounts.
- Processed sales referrals and promoted bank services and products, resulting in increase of branch sales.
- Met or exceeded sales goals by promoting bank products and services in every interaction.
- Maintained optimal financial controls by securing funds and making accurate transactions.
- Fulfilled diverse duties to provide customer service, operate money counters, balance and replenish ATMs, maintain accounts and open new accounts.
- Managed escalations with polite service, knowledgeable support and unsurpassed professionalism to satisfy needs and protect bank reputation.
SPECIAL ASSETS ACCOUNT MANAGER I
TRI COUNTIES BANK
Chico, CA
10.2008 - 04.2009
- Followed fair debt practices and regulatory guidelines when managing collections process.
- Reached out to customer to pursue payments, remind of obligations and discuss default procedures.
- Evaluated customer accounts to determine adherence to repayment schedules.
- Remained calm, stayed professional and provided exceptional service on all calls, even when interacting with difficult individuals.
- Recovered lost revenue by persistently reaching out to customers with past due accounts.
- Met demands of busy collections group by performing high volume of daily calls.
INDIRECT LENDING UNDERWRITTER
TRI COUNTIES BANK
Chico, CA
08.2006 - 10.2008
- Analyzed applicants' financial status, credit and property evaluation to determine feasibility of granting loan.
- Analyzed loan-to-value ratios, debt to income ratios and credit scores to make underwriting decisions.
- Worked with colleagues to review and accept or deny new and renewal business.
- Inspected financial statements, credit information and sales contract data to complete underwriting process.
- Determined appropriate rate locks, issuance of disclosures, and dealer reserve.
- Demonstrated self-reliance by meeting and exceeding workflow needs.
CONSUMER LOAN PROCESSOR
TRI COUNTIES BANK
Chico, CA
03.2004 - 08.2006
- Filed completed packages quickly and efficiently.
- Evaluated financial statements and contacted partners, vendors and customers to clarify details.
- Checked approvals against established bank and government lending standards.
- Supported loan officer and underwriter teams by ensuring timely and accurate loan processing.
- Organized loan files, updated databases, prepared general correspondence and communicated with stakeholders.
- Reviewed and updated account information in company computer system.
- Identified errors in data entry and related issues by mentioning to supervisors for resolution.
Education
Risk Management, Financial Performance, Leadership, in-depth analysis of economic and bank finance. -
2016
Skills
- Foreclosures experience
- Credit and collections
- Loan Origination and Underwriting
- Risk management
- Customer Relationship Management (CRM)
- Problem-Solving Abilities
- Customer Education
- Executive Management Support
- Product Sales
- Adaptive Team Player
- Problem Resolution
- Sales Expertise
References
References available upon request.
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
swipe to browse
Timeline
Mortgage Customer Specialist - U.S. Bank, Mortgage Servicing
11.2021 - Current
WORKOUT ASSOCIATE - TRI COUNTIES BANK
11.2019 - 11.2021
SENIOR BANKER - TRI COUNTIES BANK
04.2009 - 11.2019
SPECIAL ASSETS ACCOUNT MANAGER I - TRI COUNTIES BANK
10.2008 - 04.2009
INDIRECT LENDING UNDERWRITTER - TRI COUNTIES BANK
08.2006 - 10.2008
CONSUMER LOAN PROCESSOR - TRI COUNTIES BANK
03.2004 - 08.2006
PACIFIC COAST BANKING SCHOOL, UNIVERSITY OF WASHINGTON - Risk Management, Financial Performance, Leadership, in-depth analysis of economic and bank finance.,
Similar Profiles
Heather LuntzerHeather Luntzer
Business Technology Analyst at U.S. Bank Mortgage ServicingBusiness Technology Analyst at U.S. Bank Mortgage Servicing
Sherri StolleSherri Stolle
Customer Service Representative at U.S. Bank, Mortgage ServicingCustomer Service Representative at U.S. Bank, Mortgage Servicing
Mariana RuvalcabaMariana Ruvalcaba
Operations Project Analyst at Bank of America Mortgage ServicingOperations Project Analyst at Bank of America Mortgage Servicing