Carrie J. Stiff
Otisville
Summary
I am a detail‐oriented person with over 10 years’ experience working remote. I’m Adept at planning and working with clients for long periods of time on issues that arise during the process. I am committed to accuracy and problem solving and very goal oriented. I have a long background in assessing credit history data, finding appropriate solutions that are perfect for clients’ needs as well as file retention. I have a fully equipped home office and am looking for an hourly/salaried full-time position where I can best use my skills while still working remotely. The position I'd shine in would be any that involves problem solving, client relations/service, data entry, record keeping, and using any software programs as I'm a fast learner and dependable. I'm experienced in running a team.
Overview
25
25
years of professional experience
Work History
Senior Loan Orginator
One Stop Financial Group Inc
09.2023 - Current
- Updated borrowers through each step of loan application, approval and closing processes while remaining attentive to customer needs.
- Resolved discrepancies between borrowers, lenders and financial institutions with detail orientation and efficiency.
- Interviewed applicants to assess loan requirements before suggesting offers.
- Collected information from banks, institutions and employers to assess applicant eligibility.
- Improved loan approval rates by ensuring thorough and accurate documentation for all loan applications.
- Worked 100% remote while balancing my own pipeline and advertising.
- Maintained up-to-date knowledge of industry trends and regulatory changes, applying this expertise to optimize lending strategies for clients.
- Coordinated with appraisers, title companies, and other third-party vendors to ensure timely completion of all necessary tasks throughout the lending process.
- Fostered a client-focused work environment by prioritizing customer needs, leading to increased referrals and repeat business.
- Negotiated favorable loan terms on behalf of clients, leading to more affordable mortgage options.
- Developed strong relationships with borrowers, providing personalized guidance throughout the mortgage process.
Team Lead- Loan Specialist
Small Business Administration
01.2023 - Current
- Trained new team members by relaying information on company procedures and safety requirements.
- Promoted a positive work environment by fostering teamwork, open communication, and employee recognition initiatives.
- Served as a role model for the team by demonstrating commitment to excellence, professionalism, and adherence to company values at all times.
- Coached team members in techniques necessary to complete job tasks.
- Collaborated with other department leads to streamline workflows, improve interdepartmental coordination, and achieve business goals collectively.
- Increased customer satisfaction by ensuring timely completion of projects and adherence to high-quality standards.
- Established clear performance metrics for the team which helped in tracking progress towards set targets effectively.
- Managed risks and mitigated potential issues through proactive planning, monitoring, and timely decisionmaking.
- Consistently met or exceeded monthly sales targets, contributing significantly to the department''s success.
- Maintained compliance with industry regulations and company policies during the entire loan process.
Senior Mortgage Loan Originator
Star Mortgage of America, Inc
10.2007 - 09.2023
- Company Overview: NMLS 134696 Licensed since 2010
- NMLS 134696 Licensed since 2010
Mortgage Loan Officer
Direct Mortgage Funding, LLC
10.2002 - 08.2007
Mortgage Loan Officer
America's Premiere Mortgage
04.2002 - 10.2002
Mortgage Loan Officer
Freedom Financial LLC
09.2001 - 03.2002
Teller
Elga Credit Union
04.2000 - 10.2001
Education
Some College - Veterinary Medicine (Pre‐Veterinarian)
University of Michigan Flint
Flint, MIHigh School Diploma -
LakeVille High School
Otisville06-1998
Skills
- Application Review
- Credit File Updating
- Attention to Detail
- Problem‐Solving
- Credit History Review
- Automated Underwriting System (AUS)
- Desktop Underwriter Expert
- Bankruptcy Processes
- Complaint Handling
- Loan File Review
- Typing skills- 60 wpm touch typing, numeric keypad touch typing
- Loan Processing Coordination
- Creditworthiness Determination
- Experience with Excel
- Microsoft Office
- Loan origination expertise
- Exceptional customer service
- Telephone and email etiquette
- Strong work ethic
- Pipeline management
- NMLS registration
- Loan servicing
- Schedule management
- Credit analysis
- Document review
- Fluent in CAFS/LIRA systems
Accomplishments
- Supervised team of 3 staff members while helping other Team Leads in areas they were lacking.
- Completed Special review projects given to me by the Lead Loan Specialist or the Supervisory Lead Loan Specialist including Congressional reviews and rushes that needed special attention.
- Also working in IQAR (internal qualify assurance review) to help update unclear policies and streamline them to better serve the customer and to achieve the goal of servicing the EIDL loans as best as possible.
I climbed from being a loan specialist to a Team Lead Loan Specialist in the 24 months I've been with the SBA.
last 2 years with the SBA performance reviews were 4.75 for 2023 and 5 for 2024 out of 5 total score
I was one of 12 people in a staff of over 400 that received the perfect score of a 5 for job performance in 2024. I can provide both reviews from my supervisor upon request which will outline my duties and what I was graded on.
Timeline
Senior Loan Orginator
One Stop Financial Group Inc
09.2023 - Current
Team Lead- Loan Specialist
Small Business Administration
01.2023 - Current
Senior Mortgage Loan Originator
Star Mortgage of America, Inc
10.2007 - 09.2023
Mortgage Loan Officer
Direct Mortgage Funding, LLC
10.2002 - 08.2007
Mortgage Loan Officer
America's Premiere Mortgage
04.2002 - 10.2002
Mortgage Loan Officer
Freedom Financial LLC
09.2001 - 03.2002
Teller
Elga Credit Union
04.2000 - 10.2001
Some College - Veterinary Medicine (Pre‐Veterinarian)
University of Michigan Flint
High School Diploma -
LakeVille High School
Similar Profiles
DELETHA CUSTARDDELETHA CUSTARD
Tax Preparer at One Stop Financial ServicesTax Preparer at One Stop Financial Services
Leroy MckinnisLeroy Mckinnis
Business Development Manager at LandAmerica Commonwealth Financial Group, LandAmerica Financial GroupBusiness Development Manager at LandAmerica Commonwealth Financial Group, LandAmerica Financial Group
June MagallanesJune Magallanes
Executive Marketing Director at Transamerica Financial Advisors, Inc and World Financial GroupExecutive Marketing Director at Transamerica Financial Advisors, Inc and World Financial Group
Matthew RobertsMatthew Roberts
Commercial General Superintendent at Case ConstructionCommercial General Superintendent at Case Construction
Chase BurleyChase Burley
Sales Team Manager at EcoShield Pest ControlSales Team Manager at EcoShield Pest Control