Summary
Overview
Work History
Education
Skills
Certification
Timeline
Generic

CHRISTINE HORNE

Detroit,MI

Summary

Skilled Loan Specialist, Relationships Banker, and Loan Processor with extensive experience in providing financial advice to clients, ensuring the completion of loan packages, meeting loan goal/pipeline percentages, analyzing loan risk, and distributing financial reports. Substantial experience in analyzing complex financial information, reviewing credit history/assets, communicating processes to clients, and following compliance regulations. Continually exceeds expectations by building strong relationships and works well with people at all levels of the organization including stakeholders, staff, and clients.

Overview

9
9
years of professional experience
1
1
Certification

Work History

Servicing Communication Specialist

Rocket Mortgage
07.2023 - Current
  • Effectively communicate with all parties using written and verbal communication methods
  • Give every client the best client service in the industry
  • Answer general loan servicing inquiries
  • Expertly handle fee collection and recovery when applicable within the servicing lifecycle
  • Provide technology navigation support
  • Understand how the different teams in servicing impact the client experience and can change communication tactics based on the information received
  • Find solutions using available resources
  • Identify patterns and trends that impact the client experience and communicate findings
  • Consistently met minimum quality and production metrics

Consumer Loan Specialist

OneMain Financial
06.2022 - 07.2023
  • Successfully completing underwriting activities for personal and auto loans as well as reviewing delinquent accounts
  • Developing, implementing, and meeting loan/delinquency goals and providing high quality customer service to clients
  • Discussing loan terms with borrowers and helping them choose loan terms that fit their specific needs/requirements
  • Explaining loan terms to consumers, answering questions about application procedures, and conducting credit checks
  • Continuously reviewing applications for accuracy and ensuring that all required documentation has been submitted
  • Providing information about available loan programs, rates, repayment terms, and other details about loans from lenders
  • Reviewing assigned applications to determine whether they meet the company's lending guidelines and requirements

Mortgage Loan Processor

Huntington National Bank
09.2019 - 06.2022
  • Company Overview: Remote
  • Ordered and received applicable loan documents and reviewed documents to ensure accuracy before submission
  • Analyzed applications and documents before submitting to underwriting to ensure completion of loan packages
  • Forwarded loans to closing department when closing status was active to ensure successful and timely loan completion
  • Continuously updated internal documentation as needed and monitored risk levels to ensure compliance was maintained
  • Prepared ad hoc reporting to provide all insights to sales and marketing teams to better engage with potential clients
  • Conducted/streamlined processes as well as interviewed clients for requirements or needs according to specifications
  • Prepared loan files, submitted files to lenders for approval, and corresponded with clients on loan status/approval
  • Remote

Mortgage Loan Processor

TCF National Bank
03.2017 - 09.2019
  • Company Overview: (NKA Huntington National Bank)
  • Analyzed credit information, calculated income, and evaluated assets/liabilities according to the investor guidelines
  • Created quarterly transactions reports/weekly recording status reports and analyzed loan data with accuracy and detail
  • Monitored personal pipeline and worked with relationship managers, underwriting, and all pertinent internal partners
  • Participated in initiatives to improve the client experience and assisted with improving overall loan processing strategies
  • Developed procedures to increase the efficiency of various areas including loan specification reviews and reporting
  • Reviewed/analyzed underwriting documents and gathered work history records, tax returns, and financial statements
  • Strategically contacted clients to gather information and presented loan recommendations to proper departments
  • (NKA Huntington National Bank)

Relationship Banker

Huntington National Bank
11.2015 - 02.2017
  • Successfully boosted branch production and revenue by over 75% through consistently meeting established sales goals
  • Increased daily sales by 60% by upselling checking accounts and credit card banking products/services to customers
  • Engaged in active listening with customers, confirmed/clarified information and diffused angry customers as needed
  • Ensured financial transactions were completed accurately and efficiently while complying with all policies/procedures
  • Supported customers with banking needs and complex service transactions, putting needs at the center of transactions
  • Consistently demonstrated awareness of company policies and procedures while applying strategic, sound judgement
  • Proactively made recommendations regarding ways to improve the institution/provide the best customer experience

Education

Associate of Applied Science - General Education

Wayne County Community College
06.2014

High School Diploma -

Southfield Lathrup High School
07.2009

Skills

  • Ordering & Reviewing Loan documentation
  • Analyzing Loan Risk & Specifying Loan Conditions
  • Communicating Processes to Clients
  • Meeting Loan Goal & Pipeline Percentages
  • Extracting Information from Records & Files
  • Reviewing Credit History & Assets
  • Ensuring Completion of Loan Packages
  • Analyzing Complex Financial Information
  • Following Documentation & Compliance Regulations
  • Preparing & Distributing Financial Reports
  • Providing Financial Advice to Clients
  • Excellent Verbal & Written Communication
  • Encompass
  • Netox
  • Microsoft Office Suite

Certification

Limited Lines Insurance License, Michigan

Timeline

Servicing Communication Specialist

Rocket Mortgage
07.2023 - Current

Consumer Loan Specialist

OneMain Financial
06.2022 - 07.2023

Mortgage Loan Processor

Huntington National Bank
09.2019 - 06.2022

Mortgage Loan Processor

TCF National Bank
03.2017 - 09.2019

Relationship Banker

Huntington National Bank
11.2015 - 02.2017

Associate of Applied Science - General Education

Wayne County Community College

High School Diploma -

Southfield Lathrup High School
CHRISTINE HORNE