Christy South
Batavia,OH
Summary
Dynamic Loan Processor III with extensive experience at U.S. Bank, recognized for enhancing loan processing efficiency and achieving high client satisfaction. Proficient in credit analysis and regulatory compliance, I excel in fostering teamwork and streamlining documentation, resulting in timely loan approvals and improved customer relations.
Overview
16
16
years of professional experience
Work History
Loan Processor III
U.S. Bank
09.2014 - 04.2025
- Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
- Ensured accuracy of client information, verifying data collected during the application process and updating records as needed.
- Assisted clients in understanding complex financial documents required for completing their loan applications successfully.
- Reviewed loan files for completeness, identified missing documentation, and generated condition lists for applicants.
- Set up and completed loan submission packages.
- Assisted loan officers with origination and closing processes to fastrack procedures and promote teamwork.
- Prepared documents for underwriting by verifying client income, credit reports, and other information.
- Promoted a positive work environment through effective communication skills and teamwork initiatives.
- Increased customer satisfaction with timely responses to inquiries and providing thorough explanations of loan processes.
- Managed multiple loans simultaneously ensuring timely completion of each task assigned without compromising on compliance or quality standards.
- Collaborated with other departments including sales, underwriting, legal teams for seamless coordination during the entire loan cycle process.
- Improved loan processing efficiency by streamlining documentation and communication procedures.
- Provided quick turnaround times to maintain fast-past schedule.
- Developed and maintained relationships with customers and loan officers to establish smooth loan process.
- Strengthened relationships with clients through consistent follow-up calls and personalized attention to their needs.
- Maintained compliance with federal, state, and company regulations through regular review of updated guidelines.
- Provided exceptional customer service by addressing borrower concerns and resolving issues in a timely manner.
- Analyzed credit reports to determine eligibility of applicants and capacity for loan products.
- Conducted credit analyses on applicants to assess risk levels prior to approval decisions.
- Handled any conditions sent from underwriting departments.
- Utilized loan origination software to process and track loan applications.
- Facilitated communication with loan applicants, underwriters and loan officers to optimize process and maintain updated information.
- Processed loans within various departments to achieve timely, accurate, and fair proceedings.
- Facilitated successful loan closings by coordinating with underwriters, title companies, and attorneys throughout the process.
- Prepared comprehensive reports to management detailing key performance indicators related to loans processed, approved, denied, or withdrawn.
- Enhanced team collaboration by sharing best practices and providing constructive feedback on colleagues'' work.
- Streamlined workflow processes for increased productivity within the team while maintaining high quality output.
- Coordinated closing process with attorneys, title companies, and government clerks.
- Reduced processing time for loan applications by implementing an organized filing system.
- Contributed to departmental goals by meeting or exceeding monthly quotas for loan approvals and fundings.
- Negotiated terms with underwriters, achieving favorable loan conditions for clients.
- Enhanced loan approval rates by meticulously reviewing and verifying applicants' financial information.
- Achieved high client satisfaction scores by resolving queries and concerns promptly.
- Improved customer satisfaction by providing timely updates and clear communication throughout loan application process.
- Developed and maintained strong relationships with clients, resulting in increased repeat business.
- Managed portfolio of loan applications, ensuring compliance with regulatory standards and minimizing financial discrepancies.
- Coordinated with real estate agents and attorneys to ensure accurate and timely closing of loans.
- Processed loan applications and monitored progress from start to finish.
- Evaluated loan requests and documents to verify accuracy and completeness.
- Monitored pipelines to track and log status of loans.
- Developed and maintained relationships with customers, lenders and other third parties.
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
Loan Processor III
Residential Finance Corporation
02.2014 - 08.2014
- Advised loan officers to comply with loan guidelines and apply best practices.
- Facilitated training sessions for new staff on loan processing procedures, improving team efficiency and accuracy.
- Streamlined loan processing system, significantly reducing processing times by implementing efficient documentation practices.
- Enhanced loan application experience for customers by integrating user-friendly online application features.
Loan Processor III
Charter One Bank
02.2011 - 02.2014
Loan Originator
Fifth Third Bank
02.2009 - 02.2011
- Conducted thorough borrower assessments to determine appropriate loan products based on individual needs and qualifications.
- Collaborated with internal teams to ensure seamless coordination during the entire loan origination process.
- Reviewed credit reports and financial statements to accurately assess risk factors before submitting loans for approval.
- Negotiated favorable terms and conditions for clients, ensuring the best possible mortgage options.
- Participated in ongoing training sessions to stay current on industry trends, lending guidelines, and product offerings.
- Worked closely with processors and underwriters to expedite the approval of loans while maintaining high-quality standards.
- Attended networking events to cultivate relationships with real estate professionals, resulting in increased referral business.
- Enhanced customer satisfaction through prompt communication and timely resolution of inquiries and concerns.
- Provided exceptional customer service throughout the entire loan process, resulting in repeat business and positive client reviews.
- Leveraged CRM tools to manage leads, track communications, and optimize follow-up strategies for better conversion rates.
- Reduced processing time by proactively addressing potential issues in loan applications, ensuring accurate documentation.
- Interviewed applicants to assess loan requirements before suggesting offers.
- Streamlined the loan origination process for improved efficiency and faster closing times.
- Maintained up-to-date knowledge of lending regulations, ensuring compliance in all transactions.
- Increased loan application approvals by developing and maintaining strong relationships with borrowers and underwriters.
- Resolved discrepancies between borrowers, lenders and financial institutions with detail orientation and efficiency.
Education
High School
Milford High School
Milford, OH05.1996
Skills
- Data entry
- Teamwork and collaboration
- Information verification
- Regulatory compliance
- File management
- Loan disclosures
- Document review
- Loan servicing
- Deadline management
- Attention to detail
- Employment verification
- Dedicated work ethic
- Credit analysis
- Documentation
- Document management
- Processing procedures
- Title research
- Customer service
- Application process management
- Sound judgment
- Financial document review
- Credit reports
- Application review
- Appraisals
- Policy adherence
- Proficient in software
- Attorney communication
- Mortgage loan software
- Loan closing
- Financial data analysis
- Loan submissions
- Generating reports
- Client data gathering
- Risk management
- Contract finalization
- Legal compliance
- Property inspection requirements
- Application status reviews
- Verifying information
- Reviewing financial paperwork
- Applicant communication
- Gathering appraisals
- Finalizing contracts
- Processing documents
- Financial assessment
- Mortgage banking and analysis
- Mortgage facilitation
- Microsoft office
- Loan file maintenance
- Loan processing coordination
- Customer relations
- Customer service-focused
- 10-key data entry
- Document analysis
- Income evaluation
- Credit history review
- Application coordination
- Proficient in 10-key
- Oral and written comprehension
- Complaint handling
- Active listening and learning
- Decision-making
- Analytical and critical thinking
- Remote video conferencing
- Basic mathematics
- Database management
- Credit file updating
Timeline
Loan Processor III
U.S. Bank
09.2014 - 04.2025
Loan Processor III
Residential Finance Corporation
02.2014 - 08.2014
Loan Processor III
Charter One Bank
02.2011 - 02.2014
Loan Originator
Fifth Third Bank
02.2009 - 02.2011
High School
Milford High School
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