Summary
Overview
Work History
Education
Skills
Certification
Timeline
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Alberta Tanner

Missouri City,TX

Summary

Proven success in delivering outstanding performance over 15 years of financial and mortgage loan closing process based on company policies. Enthusiastic Loan Officer capable of providing excellent customer service throughout the loan origination process. Ability to perform in a fast-paced environment typical to Mortgage Banking. Consistently exceeds sales expectations. Results-focused mortgage loan professional with strength in communication, negotiations, and analytical skills to meet the expectations of loan closing. Proactive leader with strengths in collaboration to ensure the timely movement and closing of approved loans through the pipeline. Systematic Mortgage Loan Officer with extensive knowledge of and commitment to finding the best financial plans for everyone. Successful at reviewing applications and detail-oriented inspections. Ability to perform in a fast-paced environment typical to Mortgage Banking. Successful in fast-paced and ever-changing business environments. Versatile loan processing professional specializing in customer service and bank standards. Excellent communicator and decision maker with a strong eye for detail and a proactive nature. Astute Loan Processor bringing 16 years of experience in banking and financial positions. Work well with people of all backgrounds to complete loan packages. Adept at building loyalty and trust between bank and customer. Knowledgeable Loan Processor offering expertise in legal statutes and established lending guidelines. Excellent communication and negotiation skills. Offering 10-year history of successful loan and mortgage processing.

Overview

18
18
years of professional experience
1
1
Certification

Work History

Senior Mortgage Loan Processor

Flagstar
Remote , Texas
08.2020 - 03.2022
  • Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
  • Prepared file for final clear-to-close by branch management.
  • Worked with customers in person and via telephone to answer questions, process transactions and resolve issues.
  • Communicated with originator and applicant concerning progress of loan file.
  • Reviewed financial statements and contacted institutions and customers to clarify details.
  • Handled any conditions sent from underwriting departments.
  • Set up and completed loan submission packages.
  • Upheld complete confidentiality of all submitted information according to release guidelines.
  • Interviewed clients regarding loan needs and financial histories and conveyed information regarding application processes.
  • Coordinated closing process with attorneys, title companies and government clerks.
  • Reviewed and validated details of loan applications and closing documentation.
  • Conducted pre-funding and funding activities for over 30 monthly applications

Mortgage Loan Originator

ZONE FITNESS
Missouri City, TX
01.2014 - 08.2020
  • Took over a new location; tasked with modernizing systems, creating budgets, optimizing cash flow, and leveraging B2B/B2C sales background to improve the quality and profitability of client/business relationships
  • Led the conversion from manual to automated accounting systems that boosted efficiency and streamlined reporting processes for better management decisions
  • Analyzed financials and developed action plans; achieved 98% of goals via effective customer service training and leadership of cross-functional teams
  • Generated >$500,000 in new revenue within four years; opened new locations, introduced new marketing strategies, and developed/strengthened business partnerships for growth
  • Consistently produced one of lowest delinquency ratios while maintaining high property sales recovery percentage.

Retail Personal Banker/Team Leader

COMERICA BANK
Houston, TX
01.2007 - 01.2014
  • Provided frontline account management/cross-selling of banking services and products including mortgages, loans, investments, and small business banking
  • Generated leads and long-term business partnerships
  • Diligently cold-called and followed-up with potential clients to model excellence in outreach services
  • Served as Acting Branch Manager; cross-trained Tellers and trained new Bank Manager in overall banking and sales operations
  • Consistently achieved 251% of deposit dollar growth goal, contributing to 3% increase in annual revenue
  • Expanded account portfolio to $5 million dollars; ranked in the Top Ten of >175 sales professionals in the region and received Director Club Award for outstanding sales performance and contribution to overall portfolio and investment growth.
  • Promoted financial products by maintaining excellent service offering knowledge
  • Developed top-performing teams, leading to increased branch efficiency and positive customer feedback
  • Assisted customers with setting up or closing accounts, completing loan applications and signing up for new services

Retail Personal Banker

BANK OF AMERICA
Houston, TX
01.2004 - 01.2007
  • Increased investments/loans/mortgage portfolio by ~$1.8 million; promoted from Teller to Personal Banker based on strong sales performance
  • Generated $2.1 million in new business in one quarter; ranked in the Top Ten in the region for increasing sales, referrals, and improving teller operations
  • PREVIOUS: Four years as a top-producing Retail Sales Associate; helped transform a "last-in-district" department to Top 10 in the region.
  • Promoted financial products by maintaining excellent service offering knowledge
  • Achieved consistent recognition as top sales performer
  • Developed top-performing teams, leading to increased branch efficiency and positive customer feedback
  • Assisted customers with setting up or closing accounts, completing loan applications and signing up for new services
  • Worked closely with management to strategize sales techniques to increase branch production and customer service

Education

Mortgage Loan Origination and Texas State Laws and Practices - Loan Origination

Champions School of Real Estate
Houston, TX
06.2020

Master of Arts - Theology

GRAND CANYON UNIVERSITY
Phoenix, AZ
04.2018

Bachelor of Science - Business Management

UNIVERSITY oF PHOENIX
Houston, TX
06.2012

Skills

  • Customer Communication
  • Legal Documentation
  • Tax Receipts
  • Loan Application Preparation
  • Verbal and Written Communication
  • Personal Data Collection
  • Financial Data Collection
  • Personal Reference Verification
  • Decision Making
  • Problem Solving
  • Closing Documentation
  • Information Verification
  • Digital Applications
  • Customer Service

Certification

  • [Loan Origination Training - 06/22/20

Timeline

Senior Mortgage Loan Processor

Flagstar
08.2020 - 03.2022

Mortgage Loan Originator

ZONE FITNESS
01.2014 - 08.2020

Retail Personal Banker/Team Leader

COMERICA BANK
01.2007 - 01.2014

Retail Personal Banker

BANK OF AMERICA
01.2004 - 01.2007

Mortgage Loan Origination and Texas State Laws and Practices - Loan Origination

Champions School of Real Estate

Master of Arts - Theology

GRAND CANYON UNIVERSITY

Bachelor of Science - Business Management

UNIVERSITY oF PHOENIX
Alberta Tanner