Carol Rutherford

Loan Assistant

F&M Bank/Prosperity Bank

05.1998 - 07.2022

Streamlined communication between departments, resulting in improved collaboration throughout the loan process.
Verified credit histories, personal references and employment backgrounds for each applicant.
Assisted with timely loan closing and funding activities with efficient management of task checklists.
Maintained organized records, facilitating efficient retrieval of information for audits and regulatory examinations.
Coordinated with realtors and title companies to identify discrepancies and update different teams on processing progress.
Supported loan processing by compiling applicant documentation such as credit reports, employment verifications, and financial history paperwork.
Communicated with customers daily to request information and complete paperwork.
Set up, stored and updated customer files, department records and regulatory paperwork.
Maintained confidentiality of sensitive client information, adhering strictly to company policies as well as federal privacy laws regulating financial institutions.
Stayed up to date on loan regulation changes, processing loan applications in compliance with current laws.
Answered inquiries and provided superior customer service to clients.
Monitored key dates to obtain information by deadlines.
Managed multiple priorities simultaneously while consistently meeting deadlines for loan closings and disbursements.
Managed transfer of files for underwriter approval, mortgage loan handling, and closing process, resulting in speedier workflows.
Processed Commercial, Personal and Mortgage loans.
Set up files using loan officer checklist and submitted on-time for processing.
Prepared loan documents and explained terms to clarify loan conditions and requirements with applicants.
Collaborated with Loan Officers to ensure accurate documentation and compliance with lending regulations.
Assembled important paperwork and disclosures for borrower.
Documented borrower's information in loan processing system and resolved any discrepancies.
Maintained compliance with Fair Lending Practices, Home Mortgage Disclosure Act guidelines, Truth in Lending Act requirements and bank policies.
Coordinated with third-party vendors for appraisals, title searches, and other necessary reports required for loan approval.
Liaised with clients to guide through loan closing process and skillfully handle any concerns.
Collected and compiled paperwork such as title abstracts, insurance paperwork, loan files and tax histories.
Readied Truth-in-Lending Disclosures for loan applicants, delivering important information about loan APR and repayment terms.
Worked closely with borrowers to gather required documentation, ensuring timely submission and approval of loans.
Consulted with outside vendors to identify and resolve loan closing issues.
Worked with Loan Officer to create application profile in system and review key information at various stages within process.
Communicated acceptance or rejection to applicants via mail, email, telephone or personal consultations.
Reduced errors in loan applications through diligent review, data entry, and verification processes.
Reviewed and validated details of loan applications and closing documentation.
Ordered information such as credit reports, environmental assessments, and property appraisals.
Provided excellent customer service during the loan process, from initial inquiry to closing, ensuring a seamless experience for clients.
Provided administrative support to Loan Officers, including calendar management, travel coordination, and meeting preparation for increased efficiency and productivity.
Assisted in maintaining a high level of customer satisfaction by addressing concerns and providing timely responses to inquiries.
Applied effective time management techniques to meet tight deadlines.
Strengthened communication skills through regular interactions with others.
Demonstrated respect, friendliness and willingness to help wherever needed.
Completed paperwork, recognizing discrepancies and promptly addressing for resolution.
Excellent communication skills, both verbal and written.
Managed time efficiently in order to complete all tasks within deadlines.
Worked well in a team setting, providing support and guidance.
Worked effectively in fast-paced environments.
Paid attention to detail while completing assignments.
Cultivated interpersonal skills by building positive relationships with others.

Summary

Overview

Work History

Loan Assistant

Education

High School Diploma -

Skills

Timeline

Loan Assistant

High School Diploma -

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