Christopher Mugler
Auburn,MA
Summary
Highly skilled Loan Specialist with expertise in data accuracy and security. Hardworking professional with over 10 years of assisting clients, scheduling payments and reviewing credit histories. Knowledgeable in all credit procedures. Detail-oriented team player with strong organizational skills. Ability to handle multiple projects simultaneously with a high degree of accuracy.
Overview
8
8
years of professional experience
Work History
Loan Service Specialist
Legacy Group Capital
10.2021 - 03.2023
- Established plans and payoffs for customers' loans, prioritizing control of overall costs.
- Analyzed potential risks and evaluated loan products to identify suitable options for customers.
- Assisted clients with improving financial health by counseling on issues such as excessive spending and borrowing.
- Assisted customers with completing loan applications and other paperwork.
- Assessed loan portfolios for compliance with underwriting policies.
- Identified opportunities to cross-sell and upsell loan products to customers.
- Developed and maintained relationships with customers, lenders and other third parties.
- Negotiated loan terms and conditions with customers to secure best deal.
- Monitored pipelines to track and log status of loans.
- Approved loan applications based on customer creditworthiness and provided detailed financial advice.
- Created strategies to develop and expand existing customer sales, resulting in increase in annual sales.
- Supervised loan personnel and motivated to maintain customer service and performance standards.
- Evaluated loan requests and documents to verify accuracy and completeness.
- Proactively identified solutions for customers experiencing credit issues.
- Proved successful working within tight deadlines and a fast-paced environment.
Loan Servicing Representative
Movement Mortgage
03.2021 - 09.2021
- Collected and compiled paperwork such as title abstracts, insurance paperwork, loan files and tax histories.
- Proved successful working within tight deadlines and fast-paced environment.
- Set up, stored and updated customer files, department records and regulatory paperwork.
- Readied Truth-in-Lending Disclosures for loan applicants, delivering important information about loan APR and repayment terms.
- Analyzed credit reports to assess risk and determine applicants' ability to repay loans.
- Corroborated on-time payments and meeting of loan terms by assessing customer accounts.
- Calculated debt-to-income ratios to determine maximum loan amounts and avoid overextending applicants.
- Verified credit histories, personal references and employment backgrounds for each applicant.
- Reviewed and validated details of loan applications and closing documentation.
- Confirmed applicants met lender requirements to repay loans by reviewing applications to determine eligibility.
- Contacted customers via mail, telephone and email to relay acceptance or rejection of applications.
- Affirmed loan document accuracy to protect lenders from potential fraud.
- Stayed up to date on loan regulation changes, processing loan applications in compliance with current laws.
- Communicated acceptance or rejection to applicants via mail, email, telephone or personal consultations.
- Consulted with outside vendors to identify and resolve loan closing issues.
- Interviewed loan applicants to obtain personal and financial data to assist in completing applications.
- Tracked loan status and updated applicant information to inform lenders of changes to applicants' financial situation.
Loan Customer Service Representative
Kelly Services
08.2019 - 03.2021
- Tracked loan status and updated applicant information to inform lenders of changes to applicants' financial situation.
- Readied Truth-in-Lending Disclosures for loan applicants, delivering important information about loan APR and repayment terms.
- Communicated acceptance or rejection to applicants via mail, email, telephone or personal consultations.
- Calculated, reviewed and corrected errors on interest, principal and closing costs.
- Verified credit histories, personal references and employment backgrounds for each applicant.
- Affirmed loan document accuracy to protect lenders from potential fraud.
- Analyzed credit reports to assess risk and determine applicants' ability to repay loans.
- Interviewed loan applicants to obtain personal and financial data to assist in completing applications.
Loan Specialist
BECU
04.2017 - 08.2019
- Examined customer loan applications for loan approvals and denials.
- Developed systems to efficiently track loan documents and enhance accuracy.
- Observed regulatory, compliance and security policies and procedures to keep data as safe as possible from breaches.
- Identified problem areas within loan portfolio, analyzed risks and suggested appropriate solutions.
- Submitted loan applications to underwriter for verification and recommendations.
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
- Recommended loan approvals and denials based on customer loan application reviews.
- Utilized risk management strategies to attain high loan approval rates.
- Developed strong relationships with customers through high levels of customer service.
- Monitored performance of existing loan portfolios to identify and address any issues.
- Collaborated with other departments to promptly process loan applications.
- Negotiated loan terms to provide favorable outcomes for both customers and lenders.
Loan Specialist
Home Street Bank
12.2014 - 11.2016
- Examined customer loan applications for loan approvals and denials.
- Developed systems to efficiently track loan documents and enhance accuracy.
- Observed regulatory, compliance and security policies and procedures to keep data as safe as possible from breaches.
- Identified problem areas within loan portfolio, analyzed risks and suggested appropriate solutions.
- Submitted loan applications to underwriter for verification and recommendations.
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
- Recommended loan approvals and denials based on customer loan application reviews.
- Utilized risk management strategies to attain high loan approval rates.
- Developed strong relationships with customers through high levels of customer service.
- Monitored performance of existing loan portfolios to identify and address any issues.
- Collaborated with other departments to promptly process loan applications.
- Negotiated loan terms to provide favorable outcomes for both customers and lenders.
Education
Bachelor of Science - Network Communications
03.2020
- Dean's List [Semester and Year]
- Professional Development: [Subject]
Skills
- Financial Accounting
- Loan and Transactions Advisory
- Payoff Planning
- Resolve Paperwork Errors
- Customer Accounts Management
- Microsoft Office
- Appraisal Reports
- Client Interviews
- Property Appraisals
- Loan Portfolio Monitoring
- Customer Inquiries
Accomplishments
- Used Microsoft Excel to develop inventory tracking spreadsheets.
- Supervised team of 25 staff members.
- Microsoft Certified Professional: September 2013
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Timeline
Loan Service Specialist - Legacy Group Capital
10.2021 - 03.2023
Loan Servicing Representative - Movement Mortgage
03.2021 - 09.2021
Loan Customer Service Representative - Kelly Services
08.2019 - 03.2021
Loan Specialist - BECU
04.2017 - 08.2019
Loan Specialist - Home Street Bank
12.2014 - 11.2016
Highline College - Bachelor of Science, Network Communications
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