Charlotte M. Motola
Manchester,CT
Summary
Experienced lending professional with strong focus on team collaboration and achieving results. Demonstrated ability in risk assessment, client relationship management, and financial analysis. Known for reliability and adaptability in dynamic environments. Possess strong communication, leadership, and problem-solving skills, ensuring impactful decision-making and strategic growth. Self- motivated, detail oriented with core competencies including delivering projects under a deadline, and working in a fast paced environment.
Overview
11
11
years of professional experience
1
1
Certification
Work History
Lending Supervisor
Finex Credit Union
05.2022 - 06.2024
- Responsible for driving the growth of the lending pipelines for a $150 million credit union through outbound sales, loan generation, community outreach, and employee coaching and development
- Provided loan decisions for all consumer and residential loan applications
- Managed the credit union CRM system to ensure daily contact with leads and the deployment of an effective marketing strategy
- Developed policies and procedures for lending processes and created training modules
- Monitored market trends to recommend pricing changes
- Investigated and resolved issues related to member accounts
- Oversaw the development of new lending products, ensuring compliance with regulatory requirements while meeting customers'' needs.
- Oversaw entire loan process to provide each client received exceptional service.
- Approved and underwrote consumer loans for lines of credit and home equity.
- Collaborated with sales teams to drive revenue growth through targeted marketing efforts focused on high-potential segments.
Loan Processing Manager
Mortgage Markets CUSO
11.2021 - 05.2022
- Responsible for managing the onboarding, processing, and closing teams for the CUSO
- Expedited loan turn times in the pipeline from 5 months to 24 days
- Corrected compliance deficiencies to ensure all loans adhered to Fannie Mae/Freddie Mac guidelines
- Collaborated with partner credit unions to address changes in circumstances for portfolio loans and provided feedback for approval/denial decisions
- Held weekly pipeline meetings to keep all departments on target for monthly sales goals
- Projected monthly sales of investor loans
- Managed vendors, working with partner credit unions, appraisal management companies, attorneys/paralegals, CEOs, and staff daily to ensure smooth delivery of loans
- Conducted weekly coaching and training sessions for direct reports
- Led a team of loan processors to achieve high performance levels while maintaining strict adherence to regulatory requirements.
- Optimized inter-departmental collaboration by establishing clear channels of communication between the sales team and underwriting staff.
Residential Lending Specialist
Achieve Financial Credit Union
06.2018 - 11.2021
- Responsible for the growth of the real estate loan portfolio for the $163 million credit union through loan generation, cross-selling, developing partner relationships, and mining referrals from team members
- Solely responsible for all first and second mortgage origination
- Managed compliance for the real estate department of the credit union
- Solely responsible for annual HMDA data collection and reporting for the credit union
- Conducted first-time home buyer seminars to educate borrowers
- Provided credit counseling and debt restructuring to help members qualify for mortgages
- Processed all loans in the pipeline: sending disclosures, collecting documents, and preparing files for final underwriting and clear to close
- Generated over $100,000 in direct revenue for the credit union through the sale of the first mortgage program
- Educated clients on various lending products available, helping them make informed decisions that best suited their financial goals.
Assistant Loan Manager
Cencap Federal Credit Union
10.2015 - 06.2018
- Responsible for the growth of the loan portfolio for a $50 million credit union through loan origination, community outreach, and employee sales development
- Provided full support and accountability to the loan department in all aspects of productivity and efficiency
- Provided booking, underwriting, and loan decisions for six loan processors across a five-branch network
- Solely responsible for annual HMDA data collection and reporting for the credit union, maintaining monthly regulatory compliance with adverse loan decisions
- Acted as the residential lending specialist, the only employee among 32 able to process residential mortgages
- Conducted monthly community outreach by visiting five branch locations to offer credit counseling and improve member knowledge of credit and loan products
- Facilitated home buying seminars to educate borrowers on the home buying process and generate first mortgage loan applications
- Increased loan approval rates by implementing effective risk assessment strategies.
- Proactively identified potential issues within the loan portfolio, recommending appropriate actions to mitigate risks.
- Created customized repayment plans for qualified borrowers experiencing financial hardship, reducing default rates.
Branch Manager
American Eagle Federal Credit Union
02.2013 - 10.2014
- Responsible for leading a $175 million branch office, providing leadership for employees, promoting employee development, and fostering a team environment
- Managed and influenced branch profitability with a focus on developing relationships through sales outreach
- Facilitated monthly branch staff meetings and conducted weekly employee development sessions for a team of 10
- Collaborated with the marketing department to raise awareness of the AEFCU brand in the community on a bi-monthly basis
- Developed the annual budget and capital equipment expenditure forecast for expense items
- Provided direction, training, and coaching for staff on a weekly basis, completing performance management for all employees
- Participated in community outreach by engaging in volunteer activities
- Continuously monitored branch performance against key performance indicators, taking corrective actions as needed to ensure objectives were met or exceeded.
Education
Leadership 101 Certification -
Town Of Manchester CT
Manchester CT11.2020
A.S. - Liberal Arts and Sciences
Manchester Community College
Manchester, CT09.2020
Skills
- Strategic Planning & Execution
- Business Development
- Market Analysis & Forecasting
- Cross-Functional Leadership
- Change Management
- Financial Analysis & Budgeting
- Relationship Management
- Compliance & Regulatory Adherence
References
Available upon request.
Professional Development
- Executive Management Training Graduate, Connecticut Credit Union League
- Leadership 101 Certification, Town of Manchester CT
Certification
Mortgage Certification, NMLS #766698
Series 6/63 Licensed
Timeline
Lending Supervisor
Finex Credit Union
05.2022 - 06.2024
Loan Processing Manager
Mortgage Markets CUSO
11.2021 - 05.2022
Residential Lending Specialist
Achieve Financial Credit Union
06.2018 - 11.2021
Assistant Loan Manager
Cencap Federal Credit Union
10.2015 - 06.2018
Branch Manager
American Eagle Federal Credit Union
02.2013 - 10.2014
Mortgage Certification, NMLS #766698
Series 6/63 Licensed
Leadership 101 Certification -
Town Of Manchester CT
A.S. - Liberal Arts and Sciences
Manchester Community College
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