Amanda Bianchi
Middlebury,CT
Summary
Licensed and organized mortgage loan officer with over a year experience in managing a heavy pipeline as a loan officer assistant. I am accurate and detailed-oriented with experience in preparing loan documents and coordinating and monitoring the loan to get it to the closing table in the most accurate and timely manner. Most importantly, I strive to provide the highest level of service to every client and referral partner.
Overview
14
14
years of professional experience
Work History
Payroll Administrator
- Oversight of the payroll function, which included approval of employee hours/overtime, as well as ensuring that all benefit and tax related deductions were properly accounted for
Loan Officer Assistant
Neat Loans LLC
Middlebury, CT
03.2021 - Current
- Serve as the primary contact and liaison between the borrower(s), loan originator, and operations team
- Develop a strong working relationship with the borrower from the point of application through closing, keeping them, as well as their referral partner informed of status every step of the way
- Thoroughly review the borrower application for accuracy, and ensure all supporting documentation is included in the file
- Ensure that qualifying income, DTI, and reserve calculations are met
- Work together with the loan originator to discuss any areas of complexity and determine best path forward
- Prepare rate and cost options spreadsheets to either directly share with the borrower or for the loan originator to share
- Answer any questions that the borrower(s) may have regarding fees, points, and escrows to make them feel confident that they fully understand the monthly payment and cash to close
- Submit Rate Lock Requests
- Issue Pre-Approval Letters
- Run daily pipeline reports, review contingency date, lock expiration date, and loan status to ensure the file is on track and moving swiftly through the process to the clear to close
- Work closely with the order out team to make sure disclosures are sent out and executed timely and in accordance with regulatory requirements
- Ensure Title, Appraisal, Insurance, HOA verification, Condo Survey, and Tax Transcripts have been ordered and are received in a timely manner for review
- After loan has been underwritten and approved, review the approval certification, and immediately communicate with the borrower on what additional documentation is needed
- For refinance transactions I coordinate the closing date and time with the borrower(s) and closing agent
- Focus on building relationships with all parties involved in the transaction, including but not limited to the closing/settlement agent and both real estate professionals
- This is an important piece of my role to help support the loan officer’s growth by asking for referrals from newly formed relationships
- This involves a friendly introduction at the beginning of the transaction, keeping them informed along the way, as well as a call post-closing
- When required, follow up with the borrower or third parties on any post-closing conditions
- Follow up with borrower after the closing to make sure they are satisfied, request a review of our service levels, and make sure I answer any additional questions that they may have related to where to send the first payment and when they can expect their loan to transfer to another servicer
- Continuously update the loan originator’s lead pipeline to make sure that all purchase buyers are armed with pre-approvals, and set reminders with the loan originator to stay on top of new deals in their lead pipeline
- Identify refinance opportunities from the loan originator’s closed loan database
- These opportunities may be a result of a lower rate environment or an opportunity to reduce the remaining term of their existing loan without increasing their monthly payment
- Start each day with a quick discussion with the loan originator to create a plan of attack for both of us, and report back on status of everything at the end of each day.
- Supported loan processing by compiling applicant documentation such as credit reports, employment verifications and financial history paperwork.
Accounting Associate
Dinto Electrical Contractors
Middlebury, CT
02.2018 - 03.2021
- Review contracts and purchase orders to extract necessary information needed to perform my role
- Obtain necessary documentation - Certificates of Insurance, W-9’s, counter signatures of purchase orders and change orders, tax exempt certificates, certified payrolls, lien waivers, and CT Innovation reporting
- CHRO (Commission on Human Rights and Opportunities) Coordinator
- Review/enter/pay invoices ensuring accuracy of price, retainage, material & labor breakdown, tax calculation, job numbers and coding
- Resolve any billing discrepancies
- Maintain a dependable relationship with our vendors, subcontractors, and GC’s
- Compile and maintain all accounts payable records
Accounting/HR Administrator
Town Plot IGA Supermarket
Waterbury, CT
11.2010 - 01.2018
- Help produce and analyze periodic financial statements and other reports
- Initiate process improvements to accelerate the reporting
- Prepare necessary documentation for audit and tax compliance
- Work together with management to review financial results and formulate action plans to improve areas of inefficiency
- Assist with preparation of monthly, quarterly, and annual budgets
- 401K Administrator- assist store employees with enrollment, plan changes, loans/distributions
HR Administrator
Pilot Seasoning Company
Waterbury, CT
11.2010 - 08.2012
- Collect and review new hire packets for accuracy, verify previous employment, prepare employee write-ups/compliance records, complete unemployment and workers compensation forms
- Respond to inquiries and reporting requests from external sources including, but not limited to state/federal agencies, audit/legal firms, and suppliers
- Prepare, retain, and train employees on company policies and procedures
- Maintained the general ledger
- Maintained the accounts payable and receivable functions, following all the procedures established by the company
- Monitored all daily sales receipts, including preparation and verification of all bank deposit amounts, change orders, and cash variation reports, etc
- Monitored in a prompt and timely fashion all NSF checks with appropriate postings or notifications to the designated personnel
- Performed and balanced bank reconciliations, daily sales receipts, deposits, change orders, etc., according to established company policies and procedures
- Observed and maintained strict confidentiality of all company records and financial information, and safeguards against unauthorized access to such information at all times
Customer Service Associate
Peoples Untied Bank
Waterbury, CT
07.2009 - 11.2010
- Delivered high quality customer service through efficient and accurate handling of over-the-counter transactions in compliance with all bank policies
- Recognized referral opportunities by enhancing my product knowledge
- Delivered accurate, timely and efficient customer service
- Handled routine inquiries from customers and referred high level inquiries to the management team
- Assisted in the preparation of weekly and monthly inventory counts and other operational reports
- Utilized branch technology and systems effectively
- Performed daily reconciliations of my station, which included the preparation of required forms
- Always worked within bank procedures, policies, and regulations
Education
2020
NVCC- Associates - Accounting
Sacred Heart High School
2004
Skills
- Federal lending regulations
- Conventional and government guidelines
- Closing procedures
- Customer service
- Organization
- Excellent Communication
Additional Information
- Licenses , NMLS License # 2124287 Licensed in CT- LO-2124287 Licensed in CO- 100530497 Licensed in MA- MLO2124287
Timeline
Loan Officer Assistant
Neat Loans LLC
03.2021 - Current
Accounting Associate
Dinto Electrical Contractors
02.2018 - 03.2021
Accounting/HR Administrator
Town Plot IGA Supermarket
11.2010 - 01.2018
HR Administrator
Pilot Seasoning Company
11.2010 - 08.2012
Customer Service Associate
Peoples Untied Bank
07.2009 - 11.2010
Payroll Administrator
NVCC- Associates - Accounting
Sacred Heart High School