Summary
Overview
Work History
Education
Skills
Timeline
Generic

Carol V. Bjork

Millersburg,OH

Summary

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.

Overview

6
6
years of professional experience

Work History

Loan Originator and Loan Processor

The Commercial and Savings Bank
Millersburg , OH
2017.02 - 2023.07
  • Gathered information such as borrower credit reports and other information to pre-qualify clients and offer pricing information.
  • Guided clients through loan application initiation and filing.
  • Assessed assets, income and debts to determine client financial standing and liability risk.
  • Negotiated loan terms and conditions with customers.
  • Collaborated with external contacts such as realtors and internal teammates to progress and close transactions.
  • Monitored loan status and communicated updates with customers.
  • Met with borrowers to discuss needs and promoted financial products and services.
  • Developed and maintained knowledge of available loan products, processing procedures and underwriting and general departmental guidelines.
  • Educated customers on variety of loan products and available credit options to promote valuable decision-making.
  • Tracked and managed new leads and followed up on referral business.
  • Managed pipeline for originated loans through closing and complete required management reports.
  • Delivered high levels of customer service to facilitate smooth processes.
  • Analyzed applicants' financial status, credit and property evaluations to determine feasibility of granting loans.
  • Executed loan origination process and ordered credit reports, appraisals and preliminary title reports.
  • Submitted loan applications to underwriter for verification and recommendations.
  • Built referral business by meeting with local financial planning, home builders and real estate professionals.
  • Answered customer inquiries involving rates, products and loan application status to facilitate quality customer service.
  • Resolved file problems, bottlenecks and qualified issues throughout underwriting process.
  • Analyzed applicants' financial status and credit and property evaluation to determine feasibility of granting loan.
  • Improved loan applications and documentation by informing applicant of additional requirements.
  • Met with applicants to obtain information for loan applications and answer questions about process.
  • Recommended loan approvals and denials based on customer loan application reviews.
  • Reviewed loan agreements to confirm completeness and accuracy.
  • Adhered to federal and state compliance guidelines relative to retail mortgage lending.
  • Collected past due loans, keeping credit and collateral exceptions within policy ranges.

Education

Course for Mortgage Loan Originators -

Praedo Real Estate School
01.2013

Bachelor of Science -

Saint Joseph’s College
01.1993

Skills

  • Customer Service
  • Microsoft Office
  • Analytical and Critical Thinking
  • Planning and Coordination
  • Organizational Skills
  • Friendly, Positive Attitude
  • Collaboration
  • Leadership
  • Loans
  • Loan application evaluation
  • Loan application expertise
  • Loan origination understanding
  • Loan terms interpretation

Timeline

Loan Originator and Loan Processor

The Commercial and Savings Bank
2017.02 - 2023.07

Course for Mortgage Loan Originators -

Praedo Real Estate School

Bachelor of Science -

Saint Joseph’s College
Carol V. Bjork