Summary
Overview
Work History
Education
Skills
References
Timeline
Generic

Betty Brickhouse

Grandy,NC

Summary

Customer-oriented sales professional with 30+ Years of experience building relationships, cultivating partnerships and growing profit channels. Strategic-thinking leader with expertise in expanding network connections, persuasively introducing products, territory development and revealing customer needs to deliver solutions. Highly-motivated employee with desire to take on new challenges. Strong work ethic, adaptability, and exceptional interpersonal skills. Adept at working effectively unsupervised and quickly mastering new skills. Hardworking employee with customer service, multitasking, and time management abilities. Devoted to giving every customer a positive and memorable experience.

Overview

10
10
years of professional experience

Work History

Mortgage Banking Sales Assistant

First National Bank
Kitty Hawk, NC
06.2023 - Current
  • Coordinated closings with attorneys, title companies and escrow agents.
  • Gathered client debt, credit and income information to determine loan eligibility.
  • Attended regular sales meetings to discuss market trends and changes in loan products or services available.
  • Met with applicants to obtain information for loan applications and answer questions about loan process.
  • Helped clients fill out loan applications and find ideal loan options.
  • Developed loan contracts and explained contract terms to clients.
  • Negotiated terms of loans with customers based on their financial capabilities.
  • Reviewed loan agreements to verify completeness and accuracy according to applicable policies.
  • Listened carefully to customer complaints and swiftly resolved issues by taking appropriate action.
  • Developed relationships with realtors, builders and other referral sources to generate new business opportunities.
  • Submitted applications to credit analysts.
  • Managed a portfolio of loans by monitoring progress and ensuring timely completion of all paperwork.
  • Complied applications and paperwork and double-checked for accuracy.
  • Informed customers of loan application requirements and deadlines.
  • Advised borrowers on various types of mortgages such as fixed rate, adjustable rate or FHA and VA loans.
  • Reviewed client documentation and contracts for discrepancies and mistakes.
  • Verified customer information by ordering credit reports, appraisals, title searches and other documents as necessary.
  • Resolved customer issues in a timely manner while providing exceptional customer service throughout the transaction lifecycle.
  • Provided guidance on all aspects of the loan process including eligibility requirements, documentation needed and closing procedures.
  • Reviewed loan applications for accuracy and completeness, ensuring compliance with bank policies.

Mortgage Loan Officer Assistant

Citizens Bank
Kitty Hawk, NC
10.2018 - 05.2023
  • Analyzed financial statements to ensure compliance with bank policies and procedures.
  • Prepared and delivered loan documents to title and escrow teams.
  • Answered questions and advised customers regarding loans and transactions.
  • Coordinated with closing agents to ensure a smooth closing process for customers' loans.
  • Advised clients on various mortgage products available based upon their individual needs.
  • Answered questions from both internal staff members as well as external customers regarding the status of their loans.
  • Reviewed and corrected errors on interest, principal and closing costs.
  • Assisted in preparing marketing materials to promote new loan products or services.
  • Contacted credit bureaus, employers and other sources to check applicants' credit and personal references.
  • Reviewed credit reports, appraisals, title policies, insurance documents and other relevant paperwork for accuracy and completeness.
  • Ordered, prepared and verified documents necessary for loan to close in compliance, on time and without last-minute surprises.
  • Set and confirmed appointments with clients, realtors and business partners and initiated marketing contact with new leads and realtors.
  • Generated estimates clients requested, sent pre-approval letters to agents and confirmed receipt of verification of employment documentation.
  • Checked applicant credit, personal references and employment histories.
  • Assisted Mortgage Loan Officers with loan pre-qualifications by gathering and verifying customer financial information.

Loan Officer Assistant

On Q Financial
Kitty Hawk, NC
10.2013 - 09.2018
  • Maintained up-to-date knowledge and compliance with internal policies and procedures and verified adherence to state and federal laws, rules and regulations affecting loan institutions.
  • Prepared and delivered loan documents to title and escrow teams.
  • Contacted credit bureaus, employers and other sources to check applicants' credit and personal references.
  • Provided support services to Loan Officers during client meetings as needed.
  • Monitored purchase loans for due diligence, financed contingency and closing date expiration and tracked pipeline for refinances.
  • Assembled and compiled documents for loan closings.
  • Prepared complete packages to be sent to underwriting with a thorough understanding of each investor's stacking order and shipping.
  • Checked applicant credit, personal references and employment histories.
  • Developed relationships with local real estate agents in order to generate referrals.
  • Performed administrative tasks such as creating status reports on loans in progress, photocopying loan documents, printing daily mortgage rate sheets and answering phones.
  • Tracked regulatory changes that might affect lending practices or policies.
  • Reviewed contracts for purchase transactions to ensure compliance with lender requirements.
  • Analyzed loan files and reviewed client income, assets and credit to verify compliance to specific underwriting criteria and input new loans into designated software.
  • Attended training sessions as needed in order to stay abreast of industry regulations and standards.
  • Reviewed appraisals received from appraisers prior to submission for underwriting consideration.
  • Maintained customer files in an organized manner to ensure accurate tracking of loans.
  • Set and confirmed appointments with clients, realtors and business partners and initiated marketing contact with new leads and realtors.
  • Prepared and typed loan applications, closing documents or legal documents using computers.
  • Met with borrowers, took applications, distributed disclosures, ordered and reviewed title commitments and executed detailed follow-up through closing to verify completed requirements.
  • Examined and verified information in loan application and closing documents.

Education

Associate of Arts -

College of The Albemarle
Elizabeth City, NC
05-1990

High School Diploma -

Perquimans County High School
Hertford, NC
06-1988

Skills

  • Complex Problem-Solving
  • Customer Needs Assessment
  • Goal-Oriented
  • Product Knowledge
  • Customer Assistance
  • Organization
  • Honest and Dependable
  • Team Cooperation
  • Building Customer Loyalty
  • Attention to Detail
  • Goal-Driven
  • Meeting Sales Goals

References

References available upon request.

Timeline

Mortgage Banking Sales Assistant

First National Bank
06.2023 - Current

Mortgage Loan Officer Assistant

Citizens Bank
10.2018 - 05.2023

Loan Officer Assistant

On Q Financial
10.2013 - 09.2018

Associate of Arts -

College of The Albemarle

High School Diploma -

Perquimans County High School

Similar Profiles

CREATE PROFILE
Betty Brickhouse