ANDREA GAINES
Maricopa,AZ
Summary
Full-time- remote position offering competitive pay; performance incentives; and flexibility that supports healthy work-life balance.
Experienced Loan Officer adept at assessing customer needs, providing suitable products and guiding customers through loan process. Handles complex financial transactions using in-depth knowledge of loan products, services and lending regulations. Develops strong customer relationships by providing excellent service.
Overview
24
24
years of professional experience
Work History
Senior Loan Specialist/Personal Banker
Discover Home Loans
Phoenix, AZ
07.2023 - Current
- Successfully originated high-quality loans while adhering to strict regulatory requirements and compliance standards.
- Maintained strict confidentiality of bank records and client information.
- Developed strong relationships with customers through high levels of customer service.
- Assisted customers in understanding loan terms and conditions to make informed decisions.
- Examined customer loan applications for loan approvals and denials.
- Evaluated loan requests and documents to verify accuracy and completeness.
- Monitored pipelines to track and log status of loans.
Mortgage Loan Originator; HUD Counselor
NACA
Phoenix, AZ
01.2023 - Current
- Virtual and In-Person Mortgage Loan Origination; Networking; Lead Generation; Community Referral and Purchase Workshops; Budget and Credit Counseling; Loan Processing.
- NMLS ID # 1859588 (Arizona, California, Ohio, Texas).
- Collaborated with underwriters, processors, and other team members to resolve issues, ensuring smooth transactions for all parties involved.
- Analyzed applicant financial data to determine eligibility for various loan products, tailoring recommendations based on individual needs.
- Maintained up-to-date knowledge of industry regulations, changes, and trends to provide accurate advice to clients.
- Contributed towards achieving branch sales targets through consistent performance in meeting personal goals as well as supporting team members when needed.
- Worked closely with borrowers experiencing financial hardship, helping them explore alternative financing options or refinancing solutions.
- Provided exceptional customer service throughout the entire loan process from initial consultation to closing day.
Mortgage Loan Originator
NEXA Mortgage, LLC
Chandler, AZ
07.2021 - 12.2022
- Mortgage Loan Origination
- Assisted clients in understanding complex mortgage terms, facilitating informed decisions about their financing options.
- Updated borrowers through each step of loan application, approval and closing processes while remaining attentive to customer needs.
- Resolved discrepancies between borrowers, lenders and financial institutions with detail orientation and efficiency.
- Structured loans creatively to address unique borrower situations and maximize approval chances without compromising compliance standards.
- Conducted regular follow-ups with clients post-closing to ensure satisfaction and identify potential referrals.
- Developed strong relationships with real estate agents, increasing referral business and expanding client base.
- Assisted in the development of marketing materials targeting prospective borrowers, helping promote the company''s loan products effectively.
Home Advisor, Mortgage Loan Originator
Nationstar Mortgage; Mr. Cooper
Chandler, AZ
05.2019 - 07.2021
- Inside Sales
- Mortgage Loan Origination
- Sales Focused Customer Retention
- Collaborated with team members to develop strategies for improving overall service quality and customer retention rates.
- Enhanced client relationships by providing tailored advice on suitable contractors for their specific needs.
- Reviewed and executed confidential documents, contracts and disclosures.
Late-Stage Auto Recovery Specialist
Wells Fargo Auto
Chandler, AZ
12.2015 - 05.2019
- Loss Mitigation
- Facilitating Sale, Refinance, Or Repossession
- Negotiated payment arrangements with customers, resulting in increased revenue and reduced delinquencies.
- Managed a high volume of accounts while maintaining a professional demeanor and attention to detail.
- Documented case management activity for accurate, reliable records.
- Provided training and mentorship to new Recovery Specialists, fostering an environment of teamwork and success.
- Achieved consistent monthly goals by prioritizing tasks according to urgency and impact on overall business objectives.
Federal Student Loan Collector
Financial Asset Management Systems
Sharonville, OH
07.2014 - 08.2015
- Enhanced client satisfaction levels by offering guidance on loan rehabilitation programs and alternative repayment solutions tailored to individual needs.
- Assisted borrowers in understanding their financial obligations, explaining complex loan terms, interest rates, and repayment schedules.
- Maximized recoveries by diligently monitoring defaulted student loans and initiating timely follow-ups with borrowers.
- Maintained compliance with federal regulations, ensuring accurate reporting of collection activities and adherence to privacy standards.
- Provided exceptional customer service by addressing borrower concerns promptly and professionally, resolving disputes while maintaining positive relationships.
- Heavy Skip-Tracing
Federal Student Loan Collector
Account Control Technology
Mason, OH
05.2013 - 07.2014
- Enhanced client satisfaction levels by offering guidance on loan rehabilitation programs and alternative repayment solutions tailored to individual needs.
- Assisted borrowers in understanding their financial obligations, explaining complex loan terms, interest rates, and repayment schedules.
- Maximized recoveries by diligently monitoring defaulted student loans and initiating timely follow-ups with borrowers.
- Maintained compliance with federal regulations, ensuring accurate reporting of collection activities and adherence to privacy standards.
- Provided exceptional customer service by addressing borrower concerns promptly and professionally, resolving disputes while maintaining positive relationships.
- Heavy Skip-Tracing
Federal Student Loan Collector
General Revenue Corporation, Sallie Mae
Blue Ash, OH
02.2006 - 07.2009
- Enhanced client satisfaction levels by offering guidance on loan rehabilitation programs and alternative repayment solutions tailored to individual needs.
- Assisted borrowers in understanding their financial obligations, explaining complex loan terms, interest rates, and repayment schedules.
- Maximized recoveries by diligently monitoring defaulted student loans and initiating timely follow-ups with borrowers.
- Maintained compliance with federal regulations, ensuring accurate reporting of collection activities and adherence to privacy standards.
- Provided exceptional customer service by addressing borrower concerns promptly and professionally, resolving disputes while maintaining positive relationships.
- Assisted customers with completing loan applications and other paperwork.
- Heavy Skip-Tracing
Debt Collector
Midland Credit Management
Phoenix, AZ
04.2001 - 08.2005
- Negotiating Resolutions of Charged Off Credit Card Debt
- Inbound and Outbound Calls
- Auto-Dialer
- Heavy Skip-Tracing
Skills
- Skilled in computer systems
- Telephone equipment proficiency
- Enhancing customer interactions
- Understanding of regulatory guidelines
- Regulatory adherence
- Effective deadline management
- Sales pipeline management
- Credit evaluation
- Effective negotiation skills
- Relationship management
- Excellent communicator
Timeline
Senior Loan Specialist/Personal Banker
Discover Home Loans
07.2023 - Current
Mortgage Loan Originator; HUD Counselor
NACA
01.2023 - Current
Mortgage Loan Originator
NEXA Mortgage, LLC
07.2021 - 12.2022
Home Advisor, Mortgage Loan Originator
Nationstar Mortgage; Mr. Cooper
05.2019 - 07.2021
Late-Stage Auto Recovery Specialist
Wells Fargo Auto
12.2015 - 05.2019
Federal Student Loan Collector
Financial Asset Management Systems
07.2014 - 08.2015
Federal Student Loan Collector
Account Control Technology
05.2013 - 07.2014
Federal Student Loan Collector
General Revenue Corporation, Sallie Mae
02.2006 - 07.2009
Debt Collector
Midland Credit Management
04.2001 - 08.2005