Summary
Overview
Work History
Skills
Timeline
Generic

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
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
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
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
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
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
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
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
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
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

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