Summary
Overview
Work History
Education
Skills
Timeline
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Clara Garner

Anaheim,CA

Summary

Accomplished AVP Closing Supervisor II at Luther Burbank Savings, leveraged strategic planning and team leadership to enhance operational efficiency and foster a culture of continuous improvement. Experienced in process improvements and mentorship significantly boosted team productivity and customer satisfaction, as a pivotal asset in achieving organizational goals. Multi-talented Senior Executive knowledgeable about sales, operations, and personnel management. Successful at stepping into diverse positions and making immediate positive contributions. Focused on optimizing operations and motivating employees while establishing market dominance.

Overview

14
14
years of professional experience

Work History

AVP Closing Supervisor II

Luther Burbank Savings
07.2016 - 04.2024
  • Established policies and procedures that improved operational efficiency within the organization.
  • Analyzed data to identify areas of improvement, implementing changes that resulted in greater operational efficiency.
  • Managed projects efficiently, ensuring timely delivery and high-quality results.
  • Improved customer satisfaction by streamlining processes and implementing new strategies.
  • Promoted and led performance enhancement culture by actively coaching and mentoring direct reports.
  • Streamlined communication channels between departments, facilitating better collaboration on projects across the organization.
  • Maintained compliance with industry regulations by implementing risk mitigation measures and maintaining accurate documentation.
  • Enhanced team productivity by providing training and mentorship to junior staff members.
  • Observed each employee's individual strengths and initiated mentoring program to improve areas of weakness.
  • Trained and guided team members to maintain high productivity and performance metrics.
  • Assisted in recruiting, hiring and training of team members.
  • Handled problematic customers and clients to assist lower-level employees and maintain excellent customer service.
  • Tracked employee attendance and punctuality, addressing repeat problems quickly to prevent long-term habits.
  • Developed high-performing teams by recruiting top talent and fostering an environment conducive to professional development and personal growth.
  • Worked effectively in fast-paced environments.
  • Self-motivated, with a strong sense of personal responsibility.
  • Worked well in a team setting, providing support and guidance.
  • Assisted with day-to-day operations, working efficiently and productively with all team members.
  • Managed time efficiently in order to complete all tasks within deadlines.

Sr. Loan Administrator / Sr. Closer

Opus Bank
10.2013 - 07.2016
  • Collaborated with underwriters to expedite loan approvals, resulting in increased customer satisfaction.
  • Managed borrower expectations throughout entire application process by keeping them informed about their progress at every stage of transaction lifecycle.
  • Managed diverse portfolio of loans, prioritizing tasks to meet deadlines while maintaining accuracy and attention to detail.
  • Enhanced loan processing efficiency by streamlining document management and ensuring timely completion of tasks.
  • Supported loan officers in obtaining necessary documentation for successful loan applications.
  • Contributed to team success by proactively identifying areas for improvement in processes and procedures.
  • Ensured compliance with regulatory requirements by performing due diligence on all submitted documentation.
  • Monitored status of loans in underwriting, addressing any outstanding items promptly to avoid delays in approval.
  • Served as subject matter expert on lending policies and industry best practices, training new hires when needed.
  • Coordinated closings between borrowers, title companies, and other relevant parties.
  • Assisted customers in understanding loan terms and conditions, providing clear explanations when necessary.
  • Developed strong relationships with clients, resulting in repeat business and referrals for the bank.
  • Resolved complex issues related to loans, working closely with various departments to find effective solutions.
  • Participated in ongoing professional development to stay up-to-date on industry trends and changes in lending regulations.
  • Processed loan applications and monitored progress from start to finish.
  • Approved loan applications based on customer creditworthiness and provided detailed financial advice.
  • Monitored pipelines to track and log status of loans.
  • Compiled closing packages for drafting and presentation accuracy.
  • Reduced loan approval times by maintaining thorough knowledge of lending guidelines and regulations.
  • Self-motivated, with a strong sense of personal responsibility.
  • Worked effectively in fast-paced environments.
  • Skilled at working independently and collaboratively in a team environment.
  • Demonstrated respect, friendliness and willingness to help wherever needed.
  • Assisted with day-to-day operations, working efficiently and productively with all team members.
  • Used critical thinking to break down problems, evaluate solutions and make decisions.
  • Adaptable and proficient in learning new concepts quickly and efficiently.
  • Learned and adapted quickly to new technology and software applications.
  • Proved successful working within tight deadlines and a fast-paced environment.
  • Prepared preliminary settlement statements and loan closing instructions for review by title companies and closing agents.
  • Reviewed titles, insurance and flood zone certifications to meet closing standards for each property.
  • Managed a high volume of transactions, consistently meeting or exceeding established productivity goals.
  • Expedited the closing process by effectively coordinating with loan officers, underwriters, and title companies.
  • Contributed to team success through effective collaboration and sharing best practices among colleagues.
  • Maintained a high level of customer satisfaction with personalized service and prompt communication throughout the entire closing process.

Client Specialist / Commercial Loan Processor

JP Morgan Chase
08.2011 - 10.2013
  • Provided comprehensive support to sales representatives, assisting in closing deals and increasing overall sales performance.
  • Supported loan process by gathering loan documentation and assisting with loan processing and general loan analysis.
  • Interacted with team members across departments to research and resolve customer issues.
  • Cross-trained and provided backup support for organizational leadership.
  • Followed-through on all critical inter-departmental escalations to increase customer retention rates.
  • Self-motivated, with a strong sense of personal responsibility.
  • Worked effectively in fast-paced environments.
  • Skilled at working independently and collaboratively in a team environment.
  • Demonstrated respect, friendliness and willingness to help wherever needed.
  • Worked well in a team setting, providing support and guidance.
  • Assisted with day-to-day operations, working efficiently and productively with all team members.
  • Managed time efficiently in order to complete all tasks within deadlines.
  • Adaptable and proficient in learning new concepts quickly and efficiently.
  • Learned and adapted quickly to new technology and software applications.
  • Maintained a high level of accuracy when reviewing financial documents, including income statements, credit reports, and collateral evaluations.
  • Maintained up-to-date knowledge of market trends and regulatory changes, applying this expertise in the development of competitive loan products and services.
  • Ensured compliance with industry regulations through thorough due diligence and attention to detail in loan applications.
  • Supported relationship managers in acquiring new clients by preparing well-researched and competitive loan proposals.
  • Collaborated with underwriters to expedite the approval process for commercial loans.
  • Coordinated effectively with cross-functional teams, including credit analysts and legal professionals, to ensure smooth loan processing from initial application to closing.
  • Reviewed loan files for completeness, identified missing documentation, and generated condition lists for applicants.
  • Assisted loan officers with origination and closing processes to fastrack procedures and promote teamwork.
  • 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.
  • Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
  • Managed multiple loans simultaneously ensuring timely completion of each task assigned without compromising on compliance or quality standards.
  • Reviewed and validated details of loan applications and closing documentation.
  • Stayed up to date on loan regulation changes, processing loan applications in compliance with current laws.
  • Collected and compiled paperwork such as title abstracts, insurance paperwork, loan files and tax histories.
  • Provided exceptional support to senior management during audits and regulator reviews, demonstrating expertise in relevant policies, procedures, and regulations.
  • Improved customer satisfaction by providing timely updates and clear communication throughout loan application process.
  • Facilitated successful loan closings by coordinating with underwriters, title companies, and attorneys throughout the process.

Loan Officer

Navy Federal Credit Union
05.2010 - 08.2011
  • Examined customer loan applications for loan approvals and denials.
  • Assisted clients in selecting appropriate loan products for their needs, resulting in higher customer satisfaction.
  • Collaborated with underwriters to expedite loan approvals and close deals in timely manner.
  • Ensured compliance with all federal and state regulations throughout loan origination process.
  • Delivered exceptional customer service by promptly addressing client concerns and resolving issues as they arose during lending process.
  • Maintained strict confidentiality of bank records and client information.
  • Submitted loan applications to underwriter for verification and recommendations.
  • Conducted thorough credit analysis to minimize risk exposure for the financial institution.
  • Educated potential clients on various loan options, guiding them towards informed decisions that fit their financial goals.
  • Collaborated with other departments to promptly process loan applications.
  • Meticulously reviewed applicant documentation, ensuring accuracy and completeness prior to submission for underwriting approval.
  • Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
  • Provided detailed loan options to clients, enabling informed decisions that matched their financial goals.
  • Maintained compliance with all regulatory requirements, preventing any legal or financial penalties for institution.
  • Monitored pipelines to track and log status of loans.
  • 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.
  • Used critical thinking to break down problems, evaluate solutions and make decisions.
  • Proved successful working within tight deadlines and a fast-paced environment.
  • Originated, reviewed, processed, closed, and administered customer loan proposals.
  • Collaborated with underwriters to expedite loan approvals and close deals in a timely manner.

Education

High School Diploma -

Henry Ford Ii High School
Sterling Heights, MI

Skills

  • Operations Management
  • Operations Oversight
  • Procedure Implementation
  • Scheduling
  • Growth planning
  • Operational Management and Leadership
  • Office Administration
  • Performance Evaluation, Monitoring, Goal Setting, and Annual Performance Reviews
  • Delegation
  • Team Leadership
  • Process Improvements

Timeline

AVP Closing Supervisor II

Luther Burbank Savings
07.2016 - 04.2024

Sr. Loan Administrator / Sr. Closer

Opus Bank
10.2013 - 07.2016

Client Specialist / Commercial Loan Processor

JP Morgan Chase
08.2011 - 10.2013

Loan Officer

Navy Federal Credit Union
05.2010 - 08.2011

High School Diploma -

Henry Ford Ii High School

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Clara Garner