Alica Vaughn
Dallas,NC
Summary
Talented Loan Specialist with proven track record of providing financial services to clients while managing complex loan transactions. Possesses deep understanding of credit analysis, loan origination and closing. Offers great time management and task prioritization skills. To seek and maintain full-time position that offers professional challenges utilizing interpersonal skills, excellent time management and problem-solving skills.
Overview
22
22
years of professional experience
Work History
Loan Reviewer
Wells Fargo
Charlotte, NC
08.2020 - 03.2023
- Developed and maintained relationships with customers, lenders and other third parties.
- Evaluated loan requests and documents to verify accuracy and completeness.
- Processed loan applications and monitored progress from start to finish.
- Assisted customers with completing loan applications and other paperwork.
- Monitored pipelines to track and log status of loans.
- Explained very technical financial information to applicants in easy to understand language.
- Analyzed potential risks and evaluated loan products to identify suitable options for customers.
Structured Project
Wells Fargo
09.2015 - 08.2020
- Identified opportunities for new products and improvements to existing products to increase sales.
- Conducted market research to understand customer needs and identify potential opportunities.
- Created and executed strategies to drive development and success of products.
- Maintained internal product knowledge database.
- Created product roadmaps to help guide product development processes and align with overall business goals.
- Oversaw development of more than [Number] new products each year.
- Conducted product inspections to meet organizational and industry standards and requirements.
Consumer Loan Underwriter Bankruptcy Mediation
Wells Fargo
Fort Mill, SC
08.2008 - 04.2014
- Reviewed financial statements, credit histories, income reports and other information to make accurate determinations about loan decisions.
- Approved, declined or counter-offered loans
- Identified and quickly resolved complex customer and loan problems with potential to negatively impacting operations management and business direction.
- Checked titles, insurance coverage and appraisals for properties.
- Maintained in-depth understanding of USDA, FHA, VA, FNMA and FHLMC loan requirements.
- Resolved and identified complex customer loan problems to prevent negative impact on operations and business direction.
- Mitigated regulatory risks by ensuring all closing loans adhered to HMDA compliance and government guidelines.
- Assisted loan officers and processors to complete loan applications on time.
- Proactively identified and solved complex customer and loan problems impacting operations management and business directions.
Call Center Quality Analyst
Wells Fargo
Fort Mill, SC
07.2004 - 08.2008
- Gathered, documented, and modeled data to assess business trends.
- Produced detailed and relevant reports for use in making business decisions.
- Leveraged on-site observation and personal interviews to identify team and individual strengths.
- Evaluated diverse organizational systems to identify workflow, communication, and resource utilization issues.
- Conducted thorough reviews of operations to devise and deploy improvement strategies.
- Reviewed internal systems and organized training plans to address areas in need of improvement.
- Skilled at working independently and collaboratively in a team environment.
- Self-motivated, with a strong sense of personal responsibility.
- Worked well in a team setting, providing support and guidance.
- Managed time efficiently in order to complete all tasks within deadlines.
Team Leader
Wells Fargo
Charlotte, NC
05.2001 - 05.2004
- Monitored team performance and provided constructive feedback to increase productivity and maintain quality standards.
- Supervised team members to confirm compliance with set procedures and quality requirements.
- Worked with team to identify areas of improvement and devised solutions based on findings.
- Built strong relationships with customers through positive attitude and attentive response.
- Established open and professional relationships with team members to achieve quick resolutions for various issues.
- Conducted training and mentored team members to promote productivity, accuracy, and commitment to friendly service.
- Monitored time and attendance, enforcing compliance with company procedures relating to absenteeism.
- Evaluated staff performance and provided coaching to address inefficiencies.
- Collected, arranged, and input information into database system.
Education
High School Diploma -
West Charlotte High School
Charlotte, NCSkills
- Payment Schedule Computation
- Financial History Analysis
- Complaint Handling
- Creditworthiness Determination
- Application Review
- Income Evaluation
- Automated Underwriting System (AUS)
- Customer Service-Focused
- Customer Service
- Knowledge of Bankruptcy Processes
Timeline
Loan Reviewer
Wells Fargo
08.2020 - 03.2023
Structured Project
Wells Fargo
09.2015 - 08.2020
Consumer Loan Underwriter Bankruptcy Mediation
Wells Fargo
08.2008 - 04.2014
Call Center Quality Analyst
Wells Fargo
07.2004 - 08.2008
Team Leader
Wells Fargo
05.2001 - 05.2004
High School Diploma -
West Charlotte High School