Angie B. Carter
Irmo,SC
Summary
Detail-oriented team player with strong organizational skills. Ability to handle multiple projects simultaneously with a high degree of accuracy.
Overview
25
25
years of professional experience
Work History
Teacher Assistant
Lexington Richland School District 5
2019.08 - Current
- Oversaw students in classroom and common areas to monitor, enforce rules, and support lead teacher.
- Worked with teachers to design lesson plans and coordinate activities for classes.
- Kept students on-task with proactive behavior modification and positive reinforcement strategies.
- Supported student physical, mental, and social development using classroom games and activities.
- Successful classroom management and proven teaching skills
Construction Loan Specialist
First Citizens Bank
2008.02 - 2019.07
- Work with builders and borrowers to obtain draws and inspections
- Ordered and analyzed residential inspections for work completed.
- Performed contractor management by approving contractors/builders including contract review and license research process for management of judgments and liens for all residential construction and renovation loans
- Maintained standards and parameters for FANNIE MAE for mortgage/consumer lending documents.
- Identified problem areas within loan portfolio, analyzed risks and suggested appropriate solutions.
- Observed regulatory, compliance and security policies and procedures to keep data as safe as possible from breaches.
- Explained very technical financial information to applicants in easy to understand language.
Personal Banker II
First Citizens Bank
2002.04 - 2008.02
- Worked closely with management to strategize sales techniques to increase branch production and customer service.
- Cross-sold bank products and services to meet customer needs and provide options.
- Promoted financial products by maintaining excellent service offering knowledge.
- Assisted customers with setting up or closing accounts, completing loan applications, and signing up for new services.
- Managed deposits, withdrawals and wire transfers to process smooth banking transactions for clients.
- Followed up with customers to gather feedback and provide additional assistance.
- Answered customer questions and explained available services such as deposit accounts, bonds, and securities.
- Processed deposits, withdrawals and ACH transfers accurately.
- Processed customer requests for statements, ordering additional checks, and updating customer personal information in database.
- Utilized customer relationship management software to provide accurate and complete customer service.
- Originated, reviewed, processed, closed, and administered customer loan proposals.
- Exceeded all monthly sales goals.
Mortgage Loan Processor
First Citizens Bank
1998.12 - 2002.04
- Handled any conditions sent from underwriting departments.
- Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
- Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
- Set up and completed loan submission packages.
- Communicated with originator and applicant concerning progress of loan file.
- Coordinated closing process with attorneys, title companies, and government clerks.
- Analyzed borrower credit reports and income statements to verify accuracy.
- Developed comprehensive understanding of loan processing regulations and laws to be fully compliant.
- Calculated debt-to-income ratios to determine maximum loan amounts and avoid overextending applicants.
Education
Bachelor of Arts - Behavioral Sciences
Columbia College
Columbia, SC12.2023
Skills
- Customer Outreach
- Real Estate Lending Processes
- Mortgage Lending
- Loan Processing
- Credit Checks
- Customer Service
- Income Verification
- Gathering Appraisals
- Desktop Underwriter
- Problem-Solving
- Analytical Skills
- Organizational Skills
- Documentation Accuracy
Accomplishments
- Award - Personal Banker Rookie of the Year - 2003
- Award - Best Banker for Branch Sales - 2004
Timeline
Teacher Assistant
Lexington Richland School District 5
2019.08 - Current
Construction Loan Specialist
First Citizens Bank
2008.02 - 2019.07
Personal Banker II
First Citizens Bank
2002.04 - 2008.02
Mortgage Loan Processor
First Citizens Bank
1998.12 - 2002.04
Bachelor of Arts - Behavioral Sciences
Columbia College
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