Barbara David
Rain City Capital
Burien,WA
18
years of professional experience
I am excited for the opportunity to continue growing my career with Rain City Capital. Over my time here, I have developed a strong understanding of our operations and have found a company where I truly feel I belong. I am eager to expand my knowledge, take on new challenges, and continue contributing to the success of our team. My background in customer service and management has strengthened my organizational skills, adaptability, and ability to effectively manage multiple priorities while consistently meeting (fast) deadlines. I take pride in producing high-quality work, maintaining a positive attitude, and supporting my teammates. With a strong work ethic, attention to detail, and commitment to our company's success, I am confident I can make a meaningful contribution in this next role.
Work History
Loan Officer Assistant II
2 Years- File Building & Setup
• Open new loans in the loan origination system; ensure all required fields are populated accurately
• Collect borrower documentation (entity docs, financials, asset statements, property information)
• Request and follow up on signed loan applications
• Order appraisals and any required inspections
• Maintain a clean, organized loan file at all times — every condition documented and traceable - Borrower Communication & Follow-Up
• Serve as the borrower's primary point of contact for documentation requests and status updates
• Respond to borrower inquiries within one business day; flag escalations to the assigned LO promptly
• Manage the conditions list — follow up on outstanding items proactively, not reactively
• Coordinate signing logistics
• Assist with and direct post-close customer service inquiries to the appropriate team to ensure a positive borrower experience. - Loan Processing
• Process loan files ensuring completeness, accuracy, and adherence to guidelines
• Order and track all third-party services (appraisals, title, insurance, flood, VOEs, etc.) and follow up to ensure
timely receipt
• Collect and review insurance policies for required coverage
• Verify borrower documentation (loan application, background, assets, credit, entity docs, OFAC checks, etc.)
against guidelines requirements; identify and clear conditions
• Collect and verify property information such as flood information, taxes, county records, and lease agreements (as
applicable)
• Maintain accurate, up-to-date loan data in the LOS and pipeline reports
• Communicate proactively with the Sales Director, title, escrow, and other internal/external partners to resolve
issues and keep loans moving toward closing
Mortgage Loan Assistant
2 Years 4 Months- Managing a team of 3 Mortgage Loan Originators who average $180,000,000 in sales annually.
- Assemble important paperwork and disclosures for borrowers. Oversee and direct their loan process from start to finish. On average I hold a pipeline of 20-30 active loans at one time.
- Monitor key dates to obtain information by deadlines.
- Cultivate productive relationships with clients, realtors and title/escrow officers to increase profits and expand customer base.
- Assess loan compliance to meet mortgage lending laws and regulations. Maintain compliance with Fair Lending Practices, Home Mortgage Disclosure Act guidelines, Truth in Lending Act requirements and bank policies.
- Manage transfers of files for underwriter approval, mortgage loan handling and closing process, resulting in speedier workflows.
Branch Manager/Assistant Vice President
3 Years 11 Months- Managed a staff of 8 members consisting of tellers and bankers and an additional 5 partner employees.
- Supervised branch operations and made continuous improvements in each area to minimize corporation risk.
- Encouraged employee development and promoted management staff from within.
- Upheld stringent bank standards for loans, money handling and legal considerations.
- Increased customer service survey numbers YOY for the branch as well as maintaining a personal score of over 95%
- Managed my book of business that included over 70 corporate and small business clients
Assistant Branch Manager
9 Months- Trained and developed new and old team members in alignment with branch service standards and objectives.
- Responded to customer concerns, working to significantly raise customer satisfaction ratings.
- Supervised and evaluated staff, enabling them to improve skills, achieve daily objectives and attain advancement.
- Demonstrated knowledge of branch financial products, loans and lines of credit, federal regulations and bank operations. Achieved exceptional ratings on our branch annual audits.
- Built rapport with account holders by reaching out with product recommendations and account updates.
Personal Banker
1 Year 1 Month- Worked with clients to maintain and create bank accounts, investments, loans, credit cards, and on-line banking accounts
- Utilized partners to build strong relationships with customers and expand their financial portfolios within US Bank
- Complied with regulatory requirements, including the Bank Secrecy Act, Anti Money Laundering, Fair Lending, USA Patriot Act, and Community Reinvestment Act
- Maintained our branch SSP to complete employee scheduling
- Originated, reviewed, processed, closed and administered customer loan proposals
Personal Cruise Consultant
9 Months- My responsibilities included calling out to a database of over 10,000 clients who had either cruised with Holland America in the past were interested in cruising
- Formed bookings, took payments, arranged flights/travel and hotels
- Answered a variety of questions regarding our products and services
- Utilized multiple programs including the CRM, Siebel
- Achieved all of my monthly sale targets as well as daily call targets
- Formed bonds quickly with a large client base by providing excellent customer service.
Tour Coordinator/Office Manager
3 Years- I coordinated motorcycle tours around the world from start to finish. This included but was not limited to, processing registration forms, invoicing clients using QuickBooks, processing payments, coordinating flights & hotels, answering questions regarding specific tours and working with partner companies to finalize the logistics of over 50 tours
- Managed all in house travel including arranging domestic and international flights and lodging for staff and guests
- Negotiated numerous legal binding contracts with multiple partner companies over seas
- Relocated from our Alaska branch to our California location to oversee the day-to-day operations of a fast pace and busy office with multiple employees
- Spoke with customers in person, on the phone, and via e-mail to explain our organization and assist with any questions they may have had
- Investigated and resolved customer inquiries and complaints in an empathetic manner
- Documented all customer inquiries and comments thoroughly and quickly into our on-line data base
- Built relationships with customers to increase likelihood of repeat business.
Speech Pathologist Assistant
3 Years 11 Months- Ran small group speech lessons for articulation, language development and social skills
- Assisted Preschool age children daily with hearing devices such as hearing aids and cochlear implants
- Took lead on the technology front helping to program all speech devices as well as decide which device would assist each child personally
- Promoted good behavior by using the positive reinforcement method
- Promoted language development skills through reading and storytelling
- Taught basic education principles while complying with IEP goals
- Supported several classroom teachers in implementing a developmentally appropriate curriculum for a group of hard of hearing and life skill children ages 3 to 11
- Maintained daily records of children's individual activities and behaviors
- Sparked imagination by helping children discover new things each day
- Worked with interdisciplinary team members to evaluate children's progress and recommend appropriate learning plans
- Fostered reasoning and problem solving through active exploration games and activities
- Established daily routines that were easy for the children to follow.
Education
High School Diploma
Skills
Strong Management Skills
Advanced Customer Communication and Service
Broad Knowledge of Multiple Software Systems
Accounts Payable and Accounts Receivable
Professional Correspondence Both Verbal and Written
Time Management
Excellent Multi-Tasker
Timeline
Loan Officer Assistant II
Rain City Capital
08.2024 - CurrentRead More
Mortgage Loan Assistant
U.S. Bank
01.2021 - 05.2023Read More
Branch Manager/Assistant Vice President
U.S. Bank
02.2017 - 01.2021Read More
Assistant Branch Manager
U.S. Bank
05.2016 - 02.2017Read More
Personal Banker
US Bank
04.2015 - 05.2016Read More
Personal Cruise Consultant
Holland America Line
04.2014 - 01.2015Read More
Tour Coordinator/Office Manager
MotoQuest
05.2011 - 05.2014Read More
Speech Pathologist Assistant
Anchorage School District
09.2008 - 08.2012Read More
South Anchorage High School
High School Diploma
Read More