Summary
Overview
Work History
Education
Skills
Affiliations
Accomplishments
Certification
Timeline
Generic

Cari Anderson

Seattle,WA

Summary

Attentive Loan Specialist with background in assessing credit history data and finding appropriate solutions perfect for customer needs. Ready for new position where loan evaluation background can be best utilized. Results-oriented [Job Title] knowledgeable about wide range of loan products. Professionally works with different customers to meet individual needs and maximize bank revenue. Analytical problem-solver tenacious in pursuing sales opportunities. Dependable Loan Officer possessing in-depth knowledge of direct and indirect lending products, finance concepts and [Software]. Offering [Number] years of experience evaluating, recommending and authorizing approval of [Type] loans. Trustworthy professional with expertise in prospecting, closing and maintaining client relationships. Self-motivated professional highly proficient in developing creative solutions and implementing objective decision making. Maintains positive attitude and works hard to build team relationships. Respectful Loan Officer with [Number] years of hands-on experience evaluating and authorizing various loans. Dependable professional polished in assembling loan packages, initiating loan applications and analyzing loan programs to match borrower's profile. Communicative team player with in-depth knowledge of banking products and associated services. Self-generating Senior Mortgage Loan Officer exhibiting professionalism and pride in dealing with clients. Highly sales-minded with top-notch negotiation skills. Explains loan types and service terms in easily understood language. Thorough and detail-oriented Loan Officer brings proven expertise in evaluating packages with balanced approach encompassing both risk mitigation and profit goals. Excels at marketing products and developing referral networks to sustain customer base. Specializes in [Type] products. Enthusiastic Loan Officer provides excellent customer service throughout loan origination process. Well-versed in all types of loans and application processes. Consistently exceeds sales expectations. Hardworking employee with customer service, multitasking, and time management abilities. Devoted to giving every customer a positive and memorable experience. Committed job seeker with a history of meeting company needs with consistent and organized practices. Skilled in working under pressure and adapting to new situations and challenges to best enhance the organizational brand. Hardworking and reliable [Job Title] with strong ability in [Task]. Offering [Skill] and [Skill]. Highly organized, proactive and punctual with team-oriented mentality. Motivated professional offering [Degree] in [Area of study]. Adds value to any organization in need of great collaboration, interpersonal and multitasking abilities. Meets tight deadlines. 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. Organized and motivated employee eager to apply time management and organizational skills in various environments. Seeking entry-level opportunities to expand skills while facilitating company growth.

Overview

16
16
years of professional experience
1
1
Certification

Work History

Sr. Loan Officer

1st Security Bank of Washington
Seattle, WA
03.2023 - Current
  • Presented complex financial concepts in an easy-to-understand manner for customers who have limited understanding of banking terminology.
  • Created alliances and built relationships with over [Number] financial institutions and real estate-related professionals in B2B and B2C.
  • Reviewed loan agreements to verify completeness and accuracy according to applicable policies.
  • Helped customers make decisions about loans and lines of credit based on availability, terms and benefits.
  • Educated customers on variety of loan products and available credit options to promote valuable decision-making.
  • Resolved concerns and answered questions for parties involved with each transaction to promote successful outcomes.
  • Verified client financial information to determine creditworthiness and loan eligibility.
  • Identified valuable solutions for customers with credit problems.
  • Monitored changes in borrower's credit profiles over the life of the loan in order to identify any potential areas of concern or delinquency.
  • Researched investor guidelines and kept up to date on program changes that affected loan processing or origination.
  • Stayed abreast of lending regulations, industry trends and market rates.
  • Ensured accuracy of all data entered into the bank's database system related to loan origination activities.
  • Located and suggested loan packages that met client needs and priorities.
  • Reviewed client documentation and contracts for discrepancies and mistakes.
  • Performed ongoing analysis of customer needs in order to develop tailored solutions that meet their objectives.
  • Maintained strong knowledge base of lending regulations, best practices and industry trends.
  • Provided guidance to customers regarding loan products, eligibility requirements, application processes, documentation requirements.
  • Processed challenging loan applications for first-time borrowers, self-employed applicants and borrowers with problematic credit histories.
  • Collaborated with internal teams such as underwriting, legal, operations and marketing in order to ensure timely completion of loan transactions according to established standards and procedures.
  • Evaluated all relevant documents associated with each loan application prior to submission for approval.
  • Performed daily maintenance of loan applicant database.
  • Built referral business by meeting with local financial planning, home builders and real estate professionals.
  • Informed customers of loan application requirements and deadlines.
  • Collaborated with company teams to expedite loan approval processes.
  • Tracked and managed new leads and followed up on referral business.
  • Developed loan contracts and explained contract terms to clients.
  • Reviewed loan applications and credit histories to determine the degree of risk involved in extending credit.
  • Maintained updated knowledge through continuing education and advanced training.
  • Completed day-to-day duties accurately and efficiently.
  • Understood and followed oral and written directions.
  • Displayed strong telephone etiquette, effectively handling difficult calls.
  • Recognized by management for providing exceptional customer service.
  • Assisted with customer requests and answered questions to improve satisfaction.
  • Promoted high customer satisfaction by resolving problems with knowledgeable and friendly service.
  • Executed loan origination process and ordered credit reports, appraisals and preliminary title reports.
  • Attended networking events and conferences in order to build relationships within the industry.
  • Adhered to federal and state compliance guidelines relative to retail mortgage lending.
  • Answered customer inquiries involving rates, products and loan application status to facilitate quality customer service.
  • Assessed feasibility of loan approval by reviewing financial histories, available credit and current employment.
  • Resolved file problems, bottlenecks and qualified issues throughout underwriting process.
  • Identified cross-sell opportunities with existing customers as well as prospects during client meetings.
  • Approved or denied loan applications and explained reasoning behind decisions.
  • Met with applicants to obtain information for loan applications and answer questions about process.
  • Managed pipeline for originated loans through closing and complete required management reports.
  • Improved loan applications and documentation by informing applicant of additional requirements.
  • Approved loan within specified limits or referred to appropriate approval level.
  • Delivered high levels of customer service to facilitate smooth processes.
  • Outperformed company average in achieving loan processing turnaround time of [Number] days or less.
  • Conducted periodic reviews of existing loans to ensure compliance with established policies and procedures.
  • Developed and maintained knowledge of available loan products, processing procedures and underwriting and general departmental guidelines.

Sr. Loan Officer

Umpqua Bank
Seattle, WA
08.2007 - 02.2023
  • Executed loan origination process and ordered credit reports, appraisals and preliminary title reports.
  • Attended networking events and conferences in order to build relationships within the industry.
  • Identified cross-sell opportunities with existing customers as well as prospects during client meetings.
  • Approved or denied loan applications and explained reasoning behind decisions.
  • Met with applicants to obtain information for loan applications and answer questions about process.
  • Outperformed company average in achieving loan processing turnaround time of [Number] days or less.
  • Created alliances and built relationships with over [Number] financial institutions and real estate-related professionals in B2B and B2C.
  • Managed continuous pipeline of over [Number] loans, totaling average of $[Amount] in financing.

Education

Bachelor of Arts - Sociology

University of Washington
Seattle, WA
06-1994

Skills

  • Application Preparation
  • Information Verification
  • Customer Service-Focused
  • Database Management
  • Financial Planning Expert
  • Friendly
  • MS Office Guru
  • Business Development
  • Document Analysis
  • Sales Expertise
  • Reliable
  • Financial Advising
  • Excellent Communicator
  • Client Relations
  • Relationship Building and Management
  • Regulatory Compliance
  • Typing [Number] WPM
  • Excellent Time Management
  • Financial Services
  • Team Player

Affiliations

  • walking Alki
  • snow skiing with family & friends
  • book club
  • peleton

Accomplishments

  • Chairman's club
  • Circle of Excellence Member

Certification

  • First Time Homebuyer
  • down payment assistance certified
  • construction loan certified
  • FHA/VA loans

Timeline

Sr. Loan Officer

1st Security Bank of Washington
03.2023 - Current

Sr. Loan Officer

Umpqua Bank
08.2007 - 02.2023

Bachelor of Arts - Sociology

University of Washington
  • First Time Homebuyer
  • down payment assistance certified
  • construction loan certified
  • FHA/VA loans
Cari Anderson