Angela Moore-Sanders
Williamsburg,VA
Summary
Professional with solid background in financial industry, prepared for this role. Skilled in loan assessment, risk analysis, and customer service, ensuring optimal client satisfaction and compliance. Strong focus on team collaboration and adaptability, enabling effective response to changing business needs. Reliable and results-driven, consistently contributing to organizational success.
Overview
17
17
years of professional experience
1
1
Certification
Work History
Loan Officer
Langley Federal Credit Union
07.2021 - 08.2024
- Assisted clients in selecting appropriate loan products for their needs, resulting in higher customer satisfaction.
- Maintained strict confidentiality of bank records and client information.
- Submitted loan applications to underwriter for verification and recommendations.
- Delivered exceptional customer service by promptly addressing client concerns and resolving issues as they arose during the lending process.
Senior Loan Officer
United States Department of Agriculture, USDA
09.2016 - 12.2020
- Conducted regular reviews of existing portfolio loans for early detection signs of possible delinquency or default risks.
- Improved loan processing efficiency by implementing new underwriting guidelines and procedures.
- Evaluated property appraisals for accuracy, ensuring appropriate collateral value for approved loans.
- Served as a subject matter expert on various types of loans including conventional, FHA, VA, USDA, jumbo mortgages; shared knowledge with colleagues during training sessions.
- Saved the company from potential losses by identifying fraudulent activities during the underwriting process.
- Enhanced customer satisfaction by providing thorough explanations of loan decisions and terms to applicants.
- Mentored junior underwriters, sharing expertise in assessing complex financial situations and loan applications.
- Reduced risk exposure by diligently evaluating borrowers'' creditworthiness and financial stability.
- Ensured compliance with federal and state regulations through strict adherence to lending policies.
- Collaborated with loan officers, processors, and other team members for timely and accurate decision making.
- Supervised loan personnel and motivated to maintain customer service and performance standards.
- Facilitated clear communication between all parties involved in loan transactions, supporting positive outcomes for clients and the company alike.
- Researched and updated industry knowledge on changing legislation and regulations.
- Managed a high-volume pipeline of loans while maintaining exceptional accuracy in decision making.
- Assessed loan portfolios for compliance with underwriting policies.
- Maintained up-to-date knowledge of industry trends and changes in regulations, applying this expertise to daily underwriting decisions.
- Developed and maintained relationships with customers, lenders and other third parties.
Senior Realty Specialist
United States Fish And Wildlife Service
04.2007 - 08.2016
- Conducted property assessments to determine value and marketability.
- Negotiated lease terms, ensuring favorable conditions for clients.
- Improved client satisfaction by providing expert guidance during property transactions.
- Analyzed market trends to identify profitable investment opportunities.
- Facilitated real estate transactions, enhancing client experience.
- Managed client inquiries and provided timely responses to ensure satisfaction.
- Assisted in preparing legal documents for real estate transactions.
- Developed marketing strategies to increase property visibility and attract potential buyers.
- Improved property management processes with efficient organization of tasks.
- Guided clients through property purchase processes, ensuring clear understanding of terms.
- Conducted market research to support pricing strategies and sales efforts.
- Presented properties effectively to highlight key features and benefits.
- Negotiated contracts and agreements to secure optimal outcomes for clients.
- Collaborated with legal teams to ensure compliance with regulations and standards.
- Enhanced client engagement by maintaining regular communication and updates.
- Prepared detailed reports on property valuations and market conditions.
- Improved transaction efficiency by streamlining document management and approval processes.
- Established lasting relationships with satisfied clients who have become repeat customers or provided referrals.
- Handled challenging situations professionally, resolving conflicts between parties involved in transactions diplomatically.
- Demonstrated strong ethics and integrity within all aspects of work while adhering strictly to industry compliance standards.
- Streamlined client communication processes for improved customer satisfaction and loyalty.
- Collaborated with a team of real estate professionals to optimize resources and achieve common goals.
- Facilitated smooth transaction processes by coordinating with various stakeholders, including lenders, inspectors, and attorneys.
Education
Associate of Science - Business Administration And Management
Virginia Peninsula Community College
Hampton, VA05-2027
High School Diploma -
Menchville High School
Newport News, VA06-1983
Skills
- Relationship building and management
- Financial advising
- Credit analysis
- Customer service-focused
- Loan servicing
- Consumer lending
- Loan origination
- Banking
- Team player
- Financial counseling
Certification
- FHA/VA Underwriting Certification – Various Accredited Providers.
- Small Business Lending Certificate – Center for Financial Training.
- Commercial Loan Officer Certification - American Bankers Association.
- Real Estate Lending Professional Certification - American Bankers Association.
- Nationwide Mortgage Licensing System & Registry (NMLS) License - State Banking Authorities.
- Mortgage Servicing Professional Certification Program – Mortgage Bankers Association.
Timeline
Loan Officer
Langley Federal Credit Union
07.2021 - 08.2024
Senior Loan Officer
United States Department of Agriculture, USDA
09.2016 - 12.2020
Senior Realty Specialist
United States Fish And Wildlife Service
04.2007 - 08.2016
- FHA/VA Underwriting Certification – Various Accredited Providers.
- Small Business Lending Certificate – Center for Financial Training.
- Commercial Loan Officer Certification - American Bankers Association.
- Real Estate Lending Professional Certification - American Bankers Association.
- Nationwide Mortgage Licensing System & Registry (NMLS) License - State Banking Authorities.
- Mortgage Servicing Professional Certification Program – Mortgage Bankers Association.
Associate of Science - Business Administration And Management
Virginia Peninsula Community College
High School Diploma -
Menchville High School
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