Carissa Bland
Orlando,FL
Summary
Versatile loan processing professional specializing in customer service and bank standards. Excellent communicator and decision maker with a strong eye for detail and a proactive nature.
Overview
16
16
years of professional experience
Work History
Specialist Advisor Wealth Representative
Charles Schwab
Maitland, FL
01.2023 - Current
- Answer incoming calls and emails from advisors promptly and professionally.
- Effectively handle and evaluate risk when reviewing client account, money movement requests including domestic and international currency wires.
- Assist advisors in navigating through money movement solutions and services available at Schwab Advisor Center.
- Assess and resolve advisor issues that relate to estate cases, retirement issues and account management related issues.
- Research incoming wires, check deposits and account cases that have not cleared.
- Create cases related to opening new accounts, transfer of accounts, money movement and account maintenance.
- Research industry trends and news related to investments for advisors' use in making recommendations to clients.
- Respond quickly to inquiries from existing or potential clients regarding services offered by the firm.
- Organize clients information into filing systems for easy access by advisors.
- Implement changes in clients accounts based on industry guidelines.
MORTGAGE LOAN PROCESSOR
SunTrust Bank/ Truist Bank
Orlando, FL
10.2016 - 11.2023
- Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process
- Prepared file for final clear-to-close by our Underwriting Team
- Set up and completed loan submission packages
- Handled any conditions sent from Underwriting Departments
- Interviewed clients regarding loan needs and financial histories and conveyed information regarding application processes
- Communicated with our Loan Officers and applicant concerning progress of loan file
- Reviewed financial statements and contacted institutions and clients to clarify details
- Checked daily reports each morning to identify priorities or issues for escalation to supervisor
- Collected and compiled paperwork such as title abstracts, insurance paperwork, loan files and tax histories
- Received on-going, comprehensive training on home loan products and mortgage process
- Verified credit histories, personal references and employment backgrounds for each applicant
- Maintained compliance with privacy and security requirements, as well as federal statutes covering all Refinance and Purchase loans
- Coordinated closing process with attorneys, title companies and potential clients.
MORTGAGE LOAN COLLECTOR
SunTrust Mortgage
Orlando, FL
12.2008 - 10.2016
- Delivered exceptional customer service on collection calls and maintained calm and professional demeanor
- Achieved performance goals on consistent basis
- Maintained high volume of calls and met demands of busy and productive group
- Worked in call center environment handling manual and automatically dialed outbound calls
- Monitored accounts for compliance with established payment plans and flagged non-compliances
- Used scripted conversation prompts to convey current account information and obtain payments
- Used skip tracing and other techniques to locate debtors
- Set up drafts and processed immediate payments after conducting thorough research and analysis of account
- Entered client details and notes into system for interdepartmental access and review
- Processed debtor payments and updated accounts to reflect new balance
- Worked with customer to create debt repayment plan based on current financial condition
- Listened to clients and negotiated solutions that met creditor and debtor needs
- Trained new team members on scripts, company services and collection strategies.
Education
Associate of Arts - General Literature
Florida Community College of Jacksonville
High School Diploma -
William M. Raines High School
Skills
- Code of Business Conduct
- Fraud Awareness Act
- Introduction to Mortgage Lending
- Understanding Tax Law
- Planning for Retirement
- Cash Handling
- Investment Consulting and Planning
- Asset Allocation
- Financial Arrangement
- Negotiation
- Flood Disaster Protection Act
- Real Estate Settlement Act
- Equal Opportunity Credit Act
- Commercial Real Estate
- Customer Communication
- Truist Fraud Awareness
- Fair Labor Standards Act
- Fair Debt Collectors Practice Act
Community Service
While at SunTrust now Truist, I was part of the Community Action Leaders (C.A.L.). We raised funds over $50,000.00, collected toys, personal hygiene products for the Ronald McDonald House, Harbor House, Boys & Girls Club and Coalition for the Homeless and United Way.
Timeline
Specialist Advisor Wealth Representative
Charles Schwab
01.2023 - Current
MORTGAGE LOAN PROCESSOR
SunTrust Bank/ Truist Bank
10.2016 - 11.2023
MORTGAGE LOAN COLLECTOR
SunTrust Mortgage
12.2008 - 10.2016
Associate of Arts - General Literature
Florida Community College of Jacksonville
High School Diploma -
William M. Raines High School
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