Cindy Timothy
Arkport,NY
Summary
Accomplished Loan Officer dependable in building client base and providing each client with a positive experience through the mortgage process . Well-versed in loan products and customer engagement strategies. Pursues opportunities to build connections, increase bank revenue and cement loyalty. NMLS licensed in New York.
Organized Mortgage Loan Officer with four years direct lending experience and a total of 24 years in the mortgage industry. Possess deep understanding of credit analysis, loan origination and the loan closing process, which I enjoy sharing with the clients and educating them on to create a confidence in me and the product.
Overview
24
24
years of professional experience
Work History
Loan Originator
Maple City Savings Bank
07.2020 - Current
- Proactively solicited new residential mortgage business and closed over $8 million in mortgage loans to meet established goals and bring in 48% of the bank's mortgage loan volume in 2023.
- Enhanced client retention by providing outstanding service throughout the mortgage process, from pre-approval to closing.
- Analyzed clients' financial situations to determine eligibility, appropriate mortgage product(s) and loan structure.
- Delivered timely updates on loan status, communicating proactively with all parties involved internally and externally.
- Promoted cross-selling and up-selling opportunities by identifying additional products that would benefit clients beyond their mortgage needs.
- Established, developed and maintained referral relationships with potential and existing clients, realtors, contractors, manufacturers, and other referral partners to establish and retain business.
- Maintain strict confidentiality
Retail & Loan Specialist
Steuben Trust Company
08.2000 - 07.2020
- Developed and maintain Lending Policies and Procedures.
- Monitored compliance with industry regulations and company policies for lending.
- New product development and regulatory compliance.
- Assisted in the development of training materials for new Loan Specialists, contributing to overall team success.
- Supported marketing initiatives through targeted promotions, increasing loan product awareness among employees, clients and potential clients.
- Continuously updated knowledge on industry trends and regulations through professional development activities.
- Create, gather, analyze and assemble data from various sources to compose, prepare and/or process reports and other various documents for management and board of directors.
- Effectively managed time and resources to maintain a high level of productivity while ensuring attention to regulatory compliance in every aspect of the loan process.
- Develop, maintain and implement business contingency and disaster recovery strategies and solutions.
Education
Associate Of Applied Science - Marketing And Business Administration
SUNY College of Technology At Alfred
Alfred, NY05.1990
Skills
- Customer Service-Focused
- Attention to Detail
- Excellent Communication
- Organizational Skills
- Analytical and Critical Thinking
- Relationship Selling
- Problem-Solving
- Multitasking
- Professionalism
- Interpersonal Communication
- Maintain Strict Confidentiality
- Residential Mortgage Lending Regulations
- Proficient in Loan Origination Systems, including Encompass
Timeline
Loan Originator
Maple City Savings Bank
07.2020 - Current
Retail & Loan Specialist
Steuben Trust Company
08.2000 - 07.2020
Associate Of Applied Science - Marketing And Business Administration
SUNY College of Technology At Alfred
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