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
02.2017 - 07.2023
- 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
02.2017 - 07.2023
Course for Mortgage Loan Originators -
Praedo Real Estate School
Bachelor of Science -
Saint Joseph’s College
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