Hi, I’m
Amanda J. Gatch
Fitchburg,WI
Summary
Knowledgeable and success-driven financial industry professional with more than 5 years of experience in mortgage loan origination, processing and closing, 2 years of experience processing and closing consumer loans, and five years in deposit operations, eager to participate as a team member in a dynamic work environment whose primary focus is on promoting business growth by providing unrivaled client service.
Overview
8
years of professional experience
1
Certification
Work History
Anchor Bank
Mortgage and Consumer Loan Processor & Closer
09.2014 - 12.2015
Job overview
- Reviewed loan files for completeness, identified missing documentation and generated condition lists for applicants.
- Prepared documents for underwriting by verifying client income, credit reports, VOR/VOM's, taxes, appraisals, etc while ensuring the clients debt ratio, credit rating and the LTV are all satisfactory.
- Processed Mortgage and Consumer loans by maintaining an organized pipeline of 50 to 80 loans on average and striving to achieve timely, accurate and fair proceedings with every customer.
- Worked with customers in person and via telephone to answer questions, process transactions and resolve issues.
- Handled any conditions sent from underwriting departments.
- Coordinated closing process with title companies, realtors, attorneys and government clerks.
- Set up and completed loan submission packages.
- Reviewed financial statements and contacted institutions and customers to clarify details.
- Looked over and approved various types of Consumer loans.
BANKERS’ BANK
Account Representative
02.2014 - 09.2014
Job overview
- Serviced all needs of new and existing Cash Letter customers, built and enhanced account relationships and assisted in the processing of daily transactions
- Answered daily phone calls, providing customer support for proprietary programs such as Fire and Ascendant FX
- Communicated domestic and International wire instructions, Federal Funds and other various account transactions
- Assisted customers with questions regarding ACH processing, check adjustments, ICL returns, Incoming/Outgoing domestic and International wires and service messages, coin and currency ordering, reconciliation and GL balancing
- Completed daily “Customer Care Calls” to customer banks, ensuring processes were running and no issues were outstanding
- Upon call completion, conversation details were documented in CRM
- Performed daily “Cash Management” functions to include keying late incoming wires, coin and currency transactions and Fed Discount Window transactions
- Traveled to new cash letter customer banks for transitions, assisted in new program set-up, helped with training and followed up periodically after “go-live” to maintain strong customer relationships
- Processed daily overdrafts, performed manual borrows to banks as needed and processed incoming returns from Fed
- Completed bank mergers and closures and updated signature cards as needed.
STATE BANK OF CROSS PLAINS
Mortgage Loan Processor
09.2013 - 12.2013
Job overview
- Accurately and expeditiously processed residential conforming, non-conforming, HELOC and new construction loan packages and managed two loan officer’s pipelines, meeting with them on a weekly basis to discuss status of each loanEnsured accuracy of all documents prior to closing including preparation and mailing of closing packages, reviewed Settlement Statements (HUD’s) for accuracy, balanced and disbursed funds for settlements and prepared filed for post-closing
- Ordered condo questionnaires, flood certificates, title commitments, appraisals loan payoffs and updated/current homeowner’s insurance policies
- Obtained earnest money receipts, child support documentation; annuity verification, VOD, VOE, VOM & VOL’s when necessary
- Prepared and distributed revised GFE’s and TIL’s in accordance with SBCP’s RESPA procedures
- Analyzed title reports, purchase contracts, appraisals, flood certificates and all other supporting documents and updated EasyLender Mortgage / IDM accordingly
- Typed and sent renewal packets for in-house loans as directed by the loan officer
- Reviewed underwriting conditions, ensuring all required conditions have been cleared prior to closing
- Prepared packages for Mortgage Insurance, Rural Development, State VA and WHEDA approval
- Reviewed and interpreted AUS findings, credit reports, and analyzed tax returns to verify income calculations for Self Employed and Schedule C borrowers.
SPIRIT OF ALASKA FEDERAL CREDIT UNION
Mortgage Loan Officer
11.2011 - 07.2012
Job overview
- Interviewed and pre-qualified prospective borrowers, analyzed their credit and financial status, as well as evaluated property to determine feasibility of granting the loan
- Provided borrowers with sound mortgage advice based on a full understanding of client needs as well as SOAFCU’s mortgage products and their benefits
- Responsible for the sales and marketing of SOAFCU’s mortgage loan products as well as consistent, effective referrals of mortgage clients for other applicable credit union services for cross-sell opportunities
- Developed relationships with new and current realtors, builders and borrowers to promote continuous business
- Executed effective mortgage marketing plans to meet and exceed agreed upon monthly mortgage production goals
- Maintained a complete and thorough knowledge of SOAFCU’s mortgage strategies, policies and procedures, as well as secondary market investor guidelines
- Adhered to and complied fully with any and all SOAFCU’s policies and procedures related to internal and external rules and regulations, particularly those established by state and federal law.
SPIRIT OF ALASKA FEDERAL CREDIT UNION
Mortgage Loan Processor
10.2009 - 10.2011
Job overview
- Provided support to loan officers throughout the origination, underwriting and closing processes by ensuring the timely, judicious and accurate processing of mortgage loans
- Reviewed and verified borrower’s income, credit reports, employment history, property appraisals and title insurance information to prepare loan applications for submission to underwriting
- Ensured compliance with company policies, underwriting guidelines and lending program requirements
- Advised borrowers of rate lock procedures and ensured lock requests were completed accurately and in a timely fashion
- Informed borrowers and related parties of loan options, market conditions, documents and other requirements needed to close the loan
- Reviewed new loan guidelines, programs, updates and changes
- Responsible for preparing Adverse Action notices for denied, withdrawn and incomplete loan files
- Ensured all files were complete prior to underwriting and coordinated effectively with the title companies to ensure smooth closings
- (@gmail.com
SPIRIT OF ALASKA FEDERAL CREDIT UNION
Operations Specialist
07.2007 - 09.2009
Job overview
- Answered inbound calls through an ACD, researched and resolved member issues on personal checking, savings, CD’s, IRA’s and line of credit accounts
- Strived for one-call resolution of member issues by conveying in a professional, reassuring manner, step by step instructions to resolve issues and/or disputes
- Developed rapport with the customer base by handling difficult issues with professionalism
- Opened and closed new customer accounts, including checking, savings, CD’s, IRA’s & lines of credit
- Responsible for processing wire transfer requests through the Federal Reserve Bank on a daily basis.
Education
UNIVERSITY OF ALASKA
from Principles of Banking
MADISON AREA TECHNICAL COLLEGE
Bachelor of Science from Business Administration
Emphases: Finance & Management
MADISON WEST HIGH SCHOOL
Diploma Received from General Studies
Skills
- MORTGAGE LENDING PROCESSES = Origination, Processing, (some) Underwriting, and Closing
- DEPOSIT OPERATIONS = ACH Origination, returns and adjustments, coin and currency ordering, Pass-Thru, Wire Transfers, GL File Loading, Balancing and Reconciliation
- DEPOSIT ACCOUNT REGULATIONS = Regs D, E, DDA, J, BB, CC, DD and UCC Articles 3, 4 & 4A
- MORTGAGE LAWS & REGULATIONS = TILA, RESPA, ECOA, HMDA, FCRA, FDRA
- SALES = Prospecting and cold-calling, product training & placement, cross-selling and closing
- Detail-oriented "multi-tasker" with keen ability to work very effectively with difficult members (and even staff) thanks to unrivaled communication, negotiating and problem solving skills
- Thrives in fast-paced, ever-changing business environments and strives to achieve and exceed productivity expectations and standards
- Demonstrated track record of maximizing customer service opportunities and consistently exceeding performance goals
- Keen ability to balance competing priorities and meet strict deadlines
- Highly proficient in developing creative solutions and implementing objective decision-making
- Accomplished in a multitude of various proprietary software programs including (but not limited to): MS Office Suites Fedline Advantage Fiserv’s EasyLender Mortgage & FICS (Loan Origination Software Programs) OSI/Fiserv’s DNA Core FTI/FAS Sage’s CRM Ascendant FX Questsoft’s HMDA Relief LaserFiche Document Capture FNMA & FHLMC Desktop Underwriter
Certification
NATIONWIDE MORTGAGE LICENSING SYSTEM
NMLS Certification #586984
Languages
Spanish
Professional Working
Timeline
Mortgage and Consumer Loan Processor & Closer
Anchor Bank
09.2014 - 12.2015
Account Representative
BANKERS’ BANK
02.2014 - 09.2014
Mortgage Loan Processor
STATE BANK OF CROSS PLAINS
09.2013 - 12.2013
Mortgage Loan Officer
SPIRIT OF ALASKA FEDERAL CREDIT UNION
11.2011 - 07.2012
Mortgage Loan Processor
SPIRIT OF ALASKA FEDERAL CREDIT UNION
10.2009 - 10.2011
Operations Specialist
SPIRIT OF ALASKA FEDERAL CREDIT UNION
07.2007 - 09.2009
UNIVERSITY OF ALASKA
from Principles of Banking
MADISON AREA TECHNICAL COLLEGE
Bachelor of Science from Business Administration
Emphases: Finance & Management
MADISON WEST HIGH SCHOOL
Diploma Received from General Studies
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