Summary
Overview
Work History
Education
Skills
Timeline
Hi, I’m

Christina Bruner

Powell,TN
Christina Bruner

Summary

Driven Loan Officer with track record in mortgage and home lending product sales. Demonstrating strong interpersonal skills and exceptional service throughout sales process. Highly skilled Loan Specialist with expertise in data accuracy and security. Hardworking professional with over Number years of assisting clients, scheduling payments and reviewing credit histories. Knowledgeable in all credit procedures. Talented Job Title with proven track record of providing financial services to clients while managing complex loan transactions. Possesses deep understanding of credit analysis, loan origination and closing. Offers great time management and task prioritization skills. Experienced Loan Officer adept at assessing customer needs, providing suitable products and guiding customers through loan process. Handles complex financial transactions using in-depth knowledge of loan products, services and lending regulations. Develops strong customer relationships by providing excellent service. Detail-oriented team player with strong organizational skills. Ability to handle multiple projects simultaneously with a high degree of accuracy. Hardworking and passionate job seeker with strong organizational skills eager to secure entry-level Job Title position. Ready to help team achieve company goals. To seek and maintain full-time position that offers professional challenges utilizing interpersonal skills, excellent time management and problem-solving skills. Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals.

Overview

5
years of professional experience

Work History

Ornl Fcu

Loan Officer
06.2009 - 06.2014

Job overview

  • Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
  • Maintained strict confidentiality of bank records and client information.
  • Monitored performance of existing loan portfolios to identify and address any issues.
  • Developed systems to efficiently track loan documents and enhance accuracy.
  • Developed strong relationships with customers through high levels of customer service.
  • Analyzed potential risks and evaluated loan products to identify suitable options for customers.
  • Explained very technical financial information to applicants in easy to understand language.
  • Advised clients on mortgage, education and personal loans.
  • Proactively identified solutions for customers experiencing credit issues.
  • Negotiated loan terms to provide favorable outcomes for both customers and lenders.
  • Originated, reviewed, processed, closed, and administered customer loan proposals.
  • Negotiated loan terms and conditions with customers to secure best deal.
  • Assisted clients with improving financial health by counseling on issues such as excessive spending and borrowing.
  • Evaluated loan requests and documents to verify accuracy and completeness.
  • Developed and maintained relationships with customers, lenders and other third parties.
  • Established plans and payoffs for customers' loans, prioritizing control of overall costs.
  • Supervised loan personnel and motivated to maintain customer service and performance standards.
  • Assisted customers in understanding loan terms and conditions to make informed decisions.
  • Created strategies to develop and expand existing customer sales, resulting in increase in annual sales.
  • Helped college students obtain financial aid through loan programs.
  • Identified opportunities to cross-sell and upsell loan products to customers.
  • Reviewed and edited loan agreements to enhance clarity and monitor compliance with requirements.
  • Processed loan applications and monitored progress from start to finish.
  • Utilized risk management strategies to attain high loan approval rates.
  • Compiled database of loan applicants' credit histories, financial statements and other financial information.
  • Developed and implemented marketing campaigns to attract new customers.
  • Approved loan applications based on customer creditworthiness and provided detailed financial advice.
  • Assessed loan portfolios for compliance with underwriting policies.
  • Submitted loan applications to underwriter for verification and recommendations.
  • Compiled closing packages for drafting and presentation accuracy.
  • Collaborated with other departments to promptly process loan applications.
  • Examined customer loan applications for loan approvals and denials.
  • Monitored pipelines to track and log status of loans.
  • Recommended loan approvals and denials based on customer loan application reviews.
  • Researched and updated industry knowledge on changing legislation and regulations.
  • Assisted customers with completing loan applications and other paperwork.

Education

Roane State Community College
Harriman, TN

Unfinished from Nursing
06.2011

University Overview

Clinton High School
Clinton, TN

High School Diploma
05.2009

University Overview

Skills

  • Financial Analysis Aptitude
  • Sales Expertise
  • Financial Transactions Expertise
  • Commercial Real Estate
  • Organizational Strengths
  • Mutual Funds Knowledge
  • Cash Handling
  • Loan Application Management
  • Economics Understanding
  • Team Player
  • Underwriting Support
  • Database Management
  • Document Analysis
  • Excellent Time Management
  • Risk Management Assessments
  • Regulatory Compliance
  • Loan Product Promotion
  • Client Interviews
  • Experian Credinomics
  • Applicant Counseling
  • ATM Stocking and Operation
  • Balance Sheet Expertise
  • Financial Industry Computer Systems Loan Accountant
  • Issuance of CDs
  • Client Relations
  • Currency and Coin Counter Operation
  • Financial Services
  • Fraud Prevention and Detection
  • Deep Knowledge of Bankruptcy Processes
  • Proficiency in Accounting Systems and Software
  • Financial History Reviews
  • Bank Security Issues
  • Equifax Application Engine
  • Experian Strategy Management Software
  • Financial Advising
  • Loan Portfolio Growth
  • Credit Application Review
  • Financial Accounting
  • Payroll Operations
  • Manage Complaints
  • Knowledge of Acting
  • Serve Customer Needs
  • Regulatory Disclosure Preparation
  • Verify Agreements
  • Networking and Partnership Development
  • Change Orders
  • Creative Solutions
  • NMLS Registration
  • Customer Relationship Management
  • Payoff Planning
  • Analytical and Critical Thinking
  • Complete Loan Applications
  • Collections Proficiency
  • New Client Acquisition
  • FHA Loan Processes
  • Lender Collaboration
  • Wire Transfer
  • Federal Statutes
  • Payment Schedules
  • Performance Assessment and Improvement
  • Oral and Written Comprehension
  • Active Listening and Learning
  • Bank Product Marketing
  • Strategy Planning
  • Solution Planning
  • Project Requirements
  • Loans
  • Banking

Timeline

Loan Officer
Ornl Fcu
06.2009 - 06.2014
Roane State Community College
Unfinished from Nursing
Clinton High School
High School Diploma
Christina Bruner