Angela Coburn
New Hebron,MS
Summary
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
17
17
years of professional experience
Work History
Senior Loan Specialist
Republic Finance
12.2022 - Current
- Deliver results related to individual and branch sales goals as well as customer expectations
- Develop new relationships – and maintain existing relationships - working with customers throughout the loan process and loan life cycle
- Present financial solutions, based on customer needs, that meet their goals
- Present customers with optional insurance products
- Educate customers on the terms and conditions of their loan to ensure a clear understanding
- Partner with local businesses to seek out and develop new customers
- Learn how to utilize credit underwriting techniques and sales tools
- Manage the life cycle of the loan, including collections activities, complying with all laws and regulations
Loan Officer
Quality Lending Group
05.2021 - Current
- Provide ongoing follow-up on clients who may not have been mortgage-ready
- Interview and assist loan applicants with obtaining grant dollars in the home-buying process
- Obtain and evaluate pertinent documents; including reports, bank statements, contracts, and appraisals
- Sound working knowledge of various loan guidelines/requirements including conventional, FHA, VA, and USDA
- Approved mortgage loans by examining the application and supporting documentation, estimating creditworthiness, calculating repayment risk
- Complete the mortgage loan process by monitoring collection, verification, preparation of mortgage loan documentation, scheduling, and completing mortgage loan closing
- Respond to telephone inquiries, providing quality service to customers and associates inquiring about the availability of products or the status of orders
- Access electronic and paper cataloging systems to look up product information and availability
Underwriter
Symmetry Lending
09.2019 - 03.2021
- Review and evaluate loan files and make approval decisions consistent with Symmetry lending policies and all appropriate program guidelines
- Review and evaluate mortgage loan applications and supporting documents to ensure accuracy and completeness
- Validated findings to determine that all information matches and confirm the accuracy of all calculations
- Analyzed credit documents including, but not limited to, mortgage applications, credit history and income documents, tax documents, title documents, appraisals, and all applicable compliance documents that contribute to a loan approval or denial decision
- Completed assigned files within the established time frame
- Responded to telephone inquiries, providing quality service to customers and associates inquiring about the availability of products or the status of orders
- Documented underwriting decisions and provided evidence of compliance with applicable regulations.
- Provided excellent customer service by addressing inquiries promptly and offering comprehensive explanations of underwriting decisions.
- Made approval and denial recommendations by determining accurate risk levels.
Homeownership Program Manager
Atlanta Housing / Action Staffing Agency (Temp)
01.2019 - 09.2019
- Interviewed and assisted loan applicants with obtaining grant dollars in the home-buying process
- Coordinated with Managers, and Sales Managers to help resolve more complex customer product technical concerns
- Monitored all communication channels to ensure proper follow-up is done to resolve inquiries promptly
- Ability to handle multiple tasks and make business decisions with little supervision
- Attended cross-functional meetings as needed to support company initiatives
- Responded to telephone inquiries, providing quality service to customers and associates inquiring about the availability of products or the status of orders
- Managed and supervised administrative and daily program operations, complying with policies and regulations.
- Established strong relationships with key stakeholders, ensuring support for program initiatives.
- Developed strategic plans, setting clear objectives and achievable milestones for the team.
- Managed cross-functional teams for successful project completion within deadlines and budgets.
- Increased customer satisfaction through effective communication of program goals and expectations.
Mortgage Loan Coordinator
Equity Prime Mortgage
07.2017 - 06.2018
- Assisted in preparing stipulation files, confirming requirements were met, and reviewing them with Loan Originator
- Ensured confidential documentation was stored securely, and access was limited to only appropriate staff
- Follow-up on all outstanding orders to third parties and clients within established company deadlines
- Obtained and reviewed all required loan conditions issued on the loan with the loan officer, coordinated with buyers, sellers, title companies, closing agents, and real estate agents to obtain additional needed documentation, complete loan submissions, and ensure a successful closing
- Maintained high client service levels and provided proactive communication with clients at all phases of the loan process
- Access electronic and paper cataloging systems to look up product information and availability
Administrative Assistant
Mississippi Power/ Meridian Personnel
06.2014 - 07.2017
- Responsible for the creation and ongoing updates of procedure manuals
- Answered and screened telephone calls courteously while taking messages with a high degree of accuracy
- Supported departments and organization data information, data verification, and data accuracy of asset information
- Managed department calendars, ordered supplies, composed, and prepared confidential correspondence
- Organized meetings (scheduling, preparing the facility, organizing handouts or binders for attendees)
- Reviewed contracts and assisted with onboarding when needed
- Answered multi-line phone system, routing calls, delivering messages to staff and greeting visitors.
- Maintained confidentiality of sensitive information by adhering to strict privacy policies and implementing secure filing systems.
- Delivered excellent customer service through prompt responses to client inquiries, addressing concerns effectively, and building strong relationships.
- Ensured accurate record-keeping with diligent data entry and database management for vital company information.
Branch Manager / Loan Originator
Advent Financial Corporation
05.2007 - 06.2014
- Directed sales of mortgage products and closed a high percentage of leads
- Provided ongoing follow-up on clients who may not have been mortgage-ready
- Interviewed and assisted loan applicants with obtaining grant dollars in the home-buying process
- Obtained and evaluated pertinent documents, including reports, bank statements, contracts, and appraisals
- Sound working knowledge of various loan guidelines/requirements including conventional, FHA, VA, and USDA
- Approved mortgage loans by examining the application and supporting documentation, estimating creditworthiness, calculating repayment risk
- Completed the mortgage loan process by monitoring collection, verification, preparation of mortgage loan documentation, scheduling, and completing mortgage loan closing
Education
Bachelor of Science Degree - Occupational Safety and Health
Columbia Southern University
Orange Beach, AL09.2018
Associate Degree - Liberal Arts Degree
East Central Community College
Decatur, MS12.2015
Skills
- NMLS Licensed #102635
- Licensed Life Insurance Agent
- Advanced knowledge of Conventional mortgage Products
- Advanced knowledge of FHA mortgage Products
- Advanced knowledge of VA mortgage Products
- Advanced knowledge of USDA mortgage Products
- Advanced knowledge of Jumbo mortgage Products
- Effective written communication skills
- Effective verbal communication skills
- Arive
- Calyx
- Encompass
- FileMaker Pro
- PSM SharePoint
- Mortgage Flex
- Maximo Work Management Systems
- Microsoft Office (Word)
- Microsoft Office (PowerPoint)
- Microsoft Office (Excel)
- Microsoft Office (Access)
Timeline
Senior Loan Specialist
Republic Finance
12.2022 - Current
Loan Officer
Quality Lending Group
05.2021 - Current
Underwriter
Symmetry Lending
09.2019 - 03.2021
Homeownership Program Manager
Atlanta Housing / Action Staffing Agency (Temp)
01.2019 - 09.2019
Mortgage Loan Coordinator
Equity Prime Mortgage
07.2017 - 06.2018
Administrative Assistant
Mississippi Power/ Meridian Personnel
06.2014 - 07.2017
Branch Manager / Loan Originator
Advent Financial Corporation
05.2007 - 06.2014
Associate Degree - Liberal Arts Degree
East Central Community College
Bachelor of Science Degree - Occupational Safety and Health
Columbia Southern University