Crystal Spence
Brick,New Jersey
Summary
Dependable trustworthy professional possessing a profound understanding of direct and indirect lending products, business banking, and finance concepts. Proficiently navigates through Sales Force, Encompass and Byte software's. Offering extensive insight and experience evaluating, recommending and authorizing approval of Conventional, FHA, VA, USDA, NON QM, Commercial, and Bridge loans. Polished expertise in prospecting, closing and maintaining client relationships. Respectful communicative team player with in-depth knowledge of credit evaluation, banking products, and associated services.
Overview
12
12
Years of polished experience
Work History
Small Business Banker
Bank of America
Brick, New Jersey
01.2023 - Current
- Consulted with small business customers to determine needs and means and propose personalized banking solutions.
- Enhanced relationships by providing excellent service to small business customers.
- Advised customers on bank products, services and financial planning options.
- Leveraged customer service and sales abilities to consistently meet performance goals.
- Offered every customer exceptional service levels by remaining friendly and professional during every transaction.
- Acted as pivotal point of contact between bank branches regarding guidelines and practices.
- Performed special services for customers, ordering bank cards and checks.
- Resolved problems or discrepancies concerning customers' accounts.
- Liaised between bank branches regarding best practices and operations.
Loan Officer
Absolute Home Mortgage Corp.
RED BANK, New Jersey
01.2022 - 01.2023
- Analyzed applicants' financial status, credit and property evaluations to determine feasibility of granting loans.
- Executed loan origination process and ordered credit reports, appraisals and preliminary title reports.
- Educated customers on variety of loan products and available credit options to promote valuable decision-making.
- Adhered to federal and state compliance guidelines relative to retail mortgage lending.
- Performed daily maintenance of loan applicant database.
- Train and manage new incoming Loan Officers.
- Built referral business by meeting with local financial planning, home builders and real estate professionals.
- Created a personal lead generation base by making 50 plus calls a day.
- Met with applicants to obtain information for loan applications and answer questions about process.
- Delivered high levels of customer service to facilitate smooth processes.
- Recommended loan approvals and denials based on customer loan application reviews.
- Improved loan applications and documentation by informing applicant of additional requirements.
- Tracked and managed new leads and followed up on referral business.
- Resolved file problems, bottlenecks and qualified issues throughout underwriting process.
- Developed and maintained knowledge of available loan products, processing procedures and underwriting and general departmental guidelines.
- Reviewed loan agreements to confirm completeness and accuracy.
- Maximized company profitability with appropriate pricing of new loan originations, fee income and selling of products and services.
- Submitted loan applications to underwriter for verification and recommendations.
- Answered customer inquiries involving rates, products and loan application status to facilitate quality customer service.
- Managed pipeline for originated loans through closing and complete required management reports.
- Researched investor guidelines and kept up to date on program changes that affected loan processing or origination.
- Obtained and compiled copies of loan applicants' credit histories, corporate financial statements and other financial information to update credit and loan files.
- Approved loan within specified limits or referred to appropriate approval level.
- Consulted with small business customers to determine needs and means and propose personalized banking solutions.
- Enhanced relationships by providing excellent service to small business customers.
- Advised customers on bank products, services and financial planning options.
- Leveraged customer service and sales abilities to consistently meet performance goals.
- Acted as pivotal point of contact between bank branches regarding guidelines and practices.
- Resolved problems or discrepancies concerning customers' accounts.
- Offered every customer exceptional service levels by remaining friendly and professional during every transaction.
- Performed special services for customers, ordering bank cards and checks.
Loan Officer
Advisors Mortgage Group
Ocean View, NJ
10.2019 - 01.2021
- Approved loans that met specifications.
- Developed and maintained relationships with local real estate agents.
- Submitted applications to credit analysts.
- Complied applications and paperwork and double-checked for accuracy.
- Helped clients fill out loan applications and find ideal loan options.
- Gathered client debt, credit and income information to determine loan eligibility.
- Verified applicant information by consulting with outside agencies, credit bureaus and businesses.
- Informed customers of application deadlines, approvals and denials.
- Analyzed new markets and developed referral networks to locate new loan prospects.
- Identified lending risks and implemented strategies to reduce loan defaults.
- Kept detailed records regarding approved, denied and received loan applications.
- Educated customers regarding actions and strategies for debt repayment.
- Assessed financial means and desires of each client in order to set up appropriate mortgage packages.
- Originated loans and assisted senior-level credit officers with complex loan applications.
Executive Personal Marketing Director
Kevin L. Peters, LUTCF Partner, Equinox Financial
Long Island City, NY
09.2011 - 09.2019
- Worked closely with customers to determine appropriate marketing offerings and strategies for business needs.
- Evaluated marketing personnel and offered constructive feedback on ways to improve.
- Developed marketing strategies based on corporate objectives and market trends.
- Supervised creation of marketing materials and collateral.
- Marketed products and services at trade shows and promotional events.
- Cultivated business partnerships to build lasting relationships with internal and external parties.
- Planned and facilitated meetings to share marketing plans and explain future business goals.
- Delivered marketing strategy updates to upper-level management.
- Launched integrated marketing campaign models to enhance prospect engagement.
- Planned and produced highly effective experiential marketing events.
- Trained successful business development personnel to optimize marketing performance and learn industry.
Education
Bachelor of Science - Marketing And Business Management
10.2018
Skills
- Customer Relations
- Income Evaluation
- Loan File Maintenance
- Financial History Analysis
- Attention to Detail
- Sales Expertise
- Customer Service-Focused
- Debt and Credit Management
- Creditworthiness Determination
- Loan Feasibility Assessment
- Referral Network Development
- Corporate Financial Statements
- Excellent Time Management
- Problem Solving
- Excellent Communicator
- Loan File Review
- Knowledge of VA Loan Process
- Automated Underwriting System (AUS)
- Credit History Review
- Credit File Updating
- Safe Act of 2008 Certification
- Relationship Building
- Marketing Strategy Development
- Market Research Analysis
- Marketing Campaign Management
- Internet and E-Mail Marketing
- Customer Relationship Management (CRM)
- Strategic Marketing
- Complex Problem Solving
- Pricing Strategies
- Budget Forecasting
- Research and Development
- Partnership Marketing
- Training and Onboarding
- Contract Negotiation
- Trade Show Coordination
- Product and Service Sales
- Data Security and Validation
- Verbal and Written Communication
- Complex Information Interpretation
- Regulatory Compliance
- New Account Setup
- Analytical Thinking
- Pleasant and Personable
- Business Development
Affiliations / Memberships
- MBA Mortgage Bankers Association
- Women's MBA
- MORR Monmouth Ocean Regional Realtors
- Ocean County Brick Chambers
- Women's Turn Key Alliance for Monmouth County
- MBA Young Professionals Group
Timeline
Small Business Banker - Bank of America
01.2023 - Current
Loan Officer - Absolute Home Mortgage Corp.
01.2022 - 01.2023
Loan Officer - Advisors Mortgage Group
10.2019 - 01.2021
Executive Personal Marketing Director - Kevin L. Peters, LUTCF Partner, Equinox Financial
09.2011 - 09.2019
Western Governors University - Bachelor of Science, Marketing And Business Management
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