Christy R Miller
Tucson,AZ
Summary
Dependable Loan Officer Assistant with solid foundation in supporting Loan Officers through all stages of the loan process. Adept at managing active loans, ensuring compliance with regulations, and facilitating clear communication with clients. Demonstrated ability to utilize organizational skills and attention to detail to enhance team productivity and client satisfaction. Familiar with Encompass Loan Origination System as well as MeridianLink Mortgage Loan Origination System.
Licensed financial professional skilled in client interactions, ready to bring expertise to your dynamic team. Known for efficiently managing loan documentation, and providing exceptional support to loan officers. Proven ability to collaborate effectively with team members and adapt to changing situations while maintaining strong focus on achieving results. Recognized for proficiency in customer service and problem-solving, with keen attention to detail and commitment to continuous improvement.
Overview
17
17
years of professional experience
Work History
Licensed Loan Officer Assistant & Loan Officer
Altitude Home Loans
09.2024 - Current
- Set up files using loan officer checklist and submitted on-time for processing.
- Supported loan processing by compiling applicant documentation such as credit reports, employment verifications, and financial history paperwork.
- I work with multiple Loan Officers as well as producing my own loans.
- Communicated with customers daily to request information and complete paperwork.
- Assessed loan compliance to meet mortgage lending laws and regulations.
- Liaised with clients to guide through loan closing process and skillfully handle any concerns.
- Monitored key dates to obtain information by deadlines.
- Built rapport with clients through active listening, empathetic understanding, and clear communication regarding their specific needs throughout the entire loan process.
- Leveraged expertise in mortgage lending guidelines to provide informed guidance for borrowers navigating complex application processes successfully.
- Streamlined client communication channels by creating templates for emails, letters, and other correspondence to maintain professionalism across all interactions.
- Conducted thorough evaluations of borrower financial profiles to determine eligibility for various mortgage products offered by the company.
- Increased client referral rates through exceptional customer service and prompt resolution of any concerns or issues that arose during the loan process.
- Maintained a high level of confidentiality while managing sensitive financial information for clients during the loan application process.
- Employed strong organizational skills to manage multiple tasks simultaneously, prioritizing workload to meet strict deadlines effectively.
- Managed a pipeline of loans from origination through closing, maintaining open lines of communication with all involved parties to ensure smooth transactions and positive outcomes for clients.
- Calculated debt-to-income ratios to determine maximum loan amounts and avoid overextending applicants.
- Stayed up to date on loan regulation changes, processing loan applications in compliance with current laws.
- Contacted customers via mail, telephone and email to relay acceptance or rejection of applications.
- Analyzed credit reports to assess risk and determine applicants' ability to repay loans.
- Maintained strict confidentiality of bank records and client information.
- Developed strong relationships with customers through high levels of customer service.
- Educated potential clients on various loan options, guiding them towards informed decisions that fit their financial goals.
- Originated, reviewed, processed, closed, and administered customer loan proposals.
- Meticulously reviewed applicant documentation, ensuring accuracy and completeness prior to submission for underwriting approval.
- Advised clients on mortgage, education and personal loans.
- Maximized customer satisfaction by promptly addressing inquiries, resolving issues, and providing updates throughout the loan process.
- Affirmed loan document accuracy to protect lenders from potential fraud.
- Interviewed loan applicants to obtain personal and financial data to assist in completing applications.
- Delivered exceptional customer service by promptly addressing client concerns and resolving issues as they arose during the lending process.
- Assisted customers in understanding loan terms and conditions to make informed decisions.
- Collaborated with underwriters to expedite loan approvals and close deals in a timely manner.
Board Secretary
Tucson Central Church of the Nazarene
04.2023 - Current
- Collaborate with the Pastor of the church on a regular basis to determine the needs that the Church Board may need to address.
- Created and maintenance up-to-date board planning calendar to outline matters on board's agenda.
- Maintained full contact list of board members, board member appointment dates, term of appointments and board member biographies.
- Signed official documents and board minutes.
- Notified [Number] board members of meetings and kept detailed record of board attendance.
Women's Ministry Leader
Tucson Central Church of the Nazarene
01.2020 - Current
- Prepared, coordinated and distributed information about yearly schedule of activities and classes.
- Analyzed revenue and program cost data to determine budget priorities.
- Identified and recruited potential volunteer workers.
- Sourced, modified and prepared class curricula and targeted lesson plans based on subject matter requirements.
- Self-motivated, with a strong sense of personal responsibility.
- Skilled at working independently and collaboratively in a team environment.
- Excellent communication skills, both verbal and written.
- Worked well in a team setting, providing support and guidance.
- Demonstrated respect, friendliness and willingness to help wherever needed.
- Passionate about learning and committed to continual improvement.
- Worked flexible hours across night, weekend, and holiday shifts.
- Managed time efficiently in order to complete all tasks within deadlines.
- Strengthened communication skills through regular interactions with others.
- Developed and maintained courteous and effective working relationships.
- Demonstrated strong organizational and time management skills while managing multiple projects.
- Organize quarterly women's events for women of our church.
- Addressed personal issues with the women of our church in a caring and grace filled way.
Licensed Loan Officer Assistant & Loan Officer
APM Mortgage Dba Sunstreet Lending
07.2022 - 08.2024
- Set up files using loan officer checklist and submitted on-time for processing.
- Supported loan processing by compiling applicant documentation such as credit reports, employment verifications, and financial history paperwork.
- This job description is the same description as what is noted for my current position at Altitude Home Loans.
- During my employment here I worked for multiple Loan Officers/Teams at the same time.
Licensed Loan Officer Assistant & Loan Officer
Sunstreet Mortgage, LLC
03.2017 - 07.2022
- Set up files using loan officer checklist and submitted on-time for processing.
- Supported loan processing by compiling applicant documentation such as credit reports, employment verifications, and financial history paperwork.
- This job description is the same description as what is noted for my current position at Altitude Home Loans
- During my employment here I worked for multiple Loan Officers including working directly with the Owner/President of Sunstreet Mortgage, LLC who was a Producing Loan Officer I worked as his Personal Licensed Loan Officer Assistant.
Licensed Loan Officer Assistant & Loan Officer
VIP Mortgage (Previously Fairway Independent)
02.2013 - 03.2017
- Set up files using loan officer checklist and submitted on-time for processing.
- Supported loan processing by compiling applicant documentation such as credit reports, employment verifications, and financial history paperwork.
- This job description is the same description as what is noted for my current position at Altitude Home Loans.
- During my employment here I worked for multiple Loan Officers/Teams at the same time.
Licensed Loan Officer Assistant & Loan Officer
Fairway Independent Mortgage
01.2010 - 02.2013
- Set up files using loan officer checklist and submitted on-time for processing.
- Supported loan processing by compiling applicant documentation such as credit reports, employment verifications, and financial history paperwork.
- This job description is the same description as what is noted for my current position at Altitude Home Loans.
- During my employment here I worked for multiple Loan Officers/Teams at the same time.
Licensed Loan Officer Assistant & Loan Officer
American Home Mortgage
03.2008 - 01.2010
- Set up files using loan officer checklist and submitted on-time for processing.
- Supported loan processing by compiling applicant documentation such as credit reports, employment verifications, and financial history paperwork.
- This job description is the same description as what is noted for my current position at Altitude Home Loans.
- During my employment here I worked for multiple Loan Officers/Teams at the same time.
Education
No Degree - General Studies
Golden West College
Huntington Beach, CASkills
- Loan funding coordination
- Underwriting support
- Loan file review
- Credit analysis
- Encompass Loan Operating System
- MeridianLink Mortgage Loan Operating System
- Risk management assessments
- Multitasking Abilities
- Reliability
- Critical Thinking
- Organization
- Professionalism
- Loan Origination
- Problem-solving aptitude
- Loan closing documentation
- Confidentiality
Timeline
Licensed Loan Officer Assistant & Loan Officer
Altitude Home Loans
09.2024 - Current
Board Secretary
Tucson Central Church of the Nazarene
04.2023 - Current
Licensed Loan Officer Assistant & Loan Officer
APM Mortgage Dba Sunstreet Lending
07.2022 - 08.2024
Women's Ministry Leader
Tucson Central Church of the Nazarene
01.2020 - Current
Licensed Loan Officer Assistant & Loan Officer
Sunstreet Mortgage, LLC
03.2017 - 07.2022
Licensed Loan Officer Assistant & Loan Officer
VIP Mortgage (Previously Fairway Independent)
02.2013 - 03.2017
Licensed Loan Officer Assistant & Loan Officer
Fairway Independent Mortgage
01.2010 - 02.2013
Licensed Loan Officer Assistant & Loan Officer
American Home Mortgage
03.2008 - 01.2010
No Degree - General Studies
Golden West College
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