Summary
Overview
Work History
Education
Skills
Accomplishments
Affiliations
Timeline
Generic
Darla Mosher

Darla Mosher

Summary

Trustworthy professional with expertise in prospecting, closing and maintaining client relationships. Self-motivated professional highly proficient in developing creative solutions and implementing objective decision making. Maintains positive attitude and works hard to build team relationships. Enthusiastic client service representative provides excellent customer service throughout loan origination process.

Consistently exceeds sales expectations. Successfully manages high volumes of account documentation in fast-paced environments with demanding productivity, funding and customer satisfaction targets. Familiar with verifying tax, credit, employment, loan, personal and residential histories. Comfortable working alone or with team members to accomplish tasks and enhance processes. Experienced administrative professional offering solid background in finance processing. Coordinates documents, corrects errors and liaises with external parties to complete paperwork and facilitate smooth closings. Knowledgeable about underwriting operations, best practices and regulatory requirements. Organized and motivated employee eager to apply time management and organizational skills in various environments. Seeking entry-opportunities to expand skills while facilitating company growth. Accomplished associate banker dependable in building customer base and exceeding business goals. Well-versed in account products and customer engagement strategies. Pursues opportunities to build connections, increase bank revenue and cement loyalty. Organized Sr. Client service representative with 43 years of experience in customer relations. Extensive real estate knowledge and success in client education. Adept at mathematical accuracy and following financial regulations. Talented client relationship servicer with proven track record of providing financial services to clients while managing complex loan transactions. Possesses deep understanding of credit analysis, loan origination and closing. Offers great time management and task prioritization skills. Successful at excelling in fast-paced, competitive banking environments. Good sales and customer service abilities paired with in-depth knowledge of bank products and services. Proficient in updating accounts, processing transactions and coordinating records. Skilled at helping customers and business accounts to meet financial needs by developing customized product and service solutions. Well-versed in solving routine and complex financial problems. Good communication, multitasking and conflict resolution skills. Experienced banking professional with superior attention to detail and highly ethical nature. Dedicated to maintaining optimal security and customer satisfaction while meeting ambitious sales targets. Well-versed in industry regulations and asset protection strategies.

Overview

46
46
years of professional experience

Work History

Associate Banker ME

JP Morgan Chase
07.2022 - 12.2024

Senior Mortgage Consultant

Absolute Mortgage - Issaquah
04.2004 - 02.2019
  • Worked successfully with diverse group of coworkers to accomplish goals and address issues related to our products and services.
  • Processed challenging loan applications for first-time borrowers, self-employed applicants and borrowers with problematic credit histories.
  • Analyzed applicants' financial status, credit and property evaluations to determine feasibility of granting loans.
  • Resolved concerns and answered questions for parties involved with each transaction to promote successful outcomes.2
  • Managed continuous pipeline of over 25 loans, totaling average of $870,000 in financing.
  • Created alliances and built relationships with over 20 financial institutions and real estate-related professionals in B2B and B2C.
  • Outperformed company average in achieving loan processing turnaround time of 20 days or less.
  • Complied applications and paperwork and double-checked for accuracy.
  • Submitted applications to credit analysts.
  • Developed and maintained relationships with local real estate agents.
  • Assessed financial means and desires of each client in order to set up appropriate mortgage packages.
  • Consistently produced one of lowest delinquency ratios while maintaining high property sales recovery percentage.
  • Reviewed loan agreements to verify completeness and accuracy according to applicable policies.
  • Met with applicants to obtain information for loan applications and answer questions about processes.
  • Listened carefully to customer complaints and swiftly resolved issues by taking appropriate action.
  • Spent ample time with each applicant to break down complex information into terms that easy to understand.
  • Identified valuable solutions for customers with credit problems.
  • Reviewed credit histories from applicants and determined feasibility of granting requested loans.
  • Helped customers make decisions about loans and lines of credit based on availability, terms and benefits.
  • Met with applicants to obtain information to streamline loan application process, fielding questions regarding steps.
  • Cultivated partnerships with individuals and firms to better promote products meeting customers' needs.
  • Analyzed applicant financial and credit status, evaluating assets and risk to determine loan feasibility.
  • Assessed feasibility of loan approval by reviewing financial histories, available credit and current employment.

Financial Services Officer

Golden West Financial/World Savings
06.1979 - 03.2004
  • Interviewed clients to determine income, expenses, financial objectives and risk tolerance in order to develop successful financial plans.
  • Gathered required information from customers for settlement reviews to help negotiate down debt with creditors.
  • Delivered presentations to key decision makers and offered financial recommendations.
  • Researched banking guidelines and statutory requirements to stay updated on new laws and applications.
  • Delivered informational sales presentations to potential investors to build symbiotic client relationships.
  • Prospected and partnered with interested parties to develop investment plans and served as financial management advisor.
  • Executed financial due diligence and created valuation model to establish enterprise value and purchase price.
  • Communicated effectively and confidently with clients regarding financial activities.
  • Identified solutions for clients based on financial goals and needs.
  • Provided value-added approach to meet customer personal financial needs by analyzing and profiling customers and cross-selling financial products.
  • Drove branch growth and profitability, building credibility, developing relationships and increasing visibility within community and industry.
  • Evaluated member's creditworthiness for new services.
  • Determined whether members were eligible for new services.
  • Processed general ledger tickets for expenses and fee income.
  • Supplied executive-level administrative support to upper management by reviewing employee performance, implementing policies within various departments and developing budgets.
  • Maintained confidentiality of bank records and client information, directed specific questions to appropriate branch personnel and exceeded customer service satisfaction ratings.
  • Maintained confidentiality of banking records and client information to avoid possible data breaches.
  • Delivered software solutions consistent with product roadmap and meeting release plan milestones.
  • Mitigated risk and exposure of security breaches through development of robust contingency plans exceeding federal mandates.
  • Adhered to bank and legal guidelines for reporting, loan approvals and money handling.
  • Opened new checking, savings and lines of credit for customer accounts.
  • Attended local gatherings and networking events as bank representative to establish community relations and generate potential customer leads
  • Developed culture of success rewarding performance, productivity and sales results.
  • Supervised preparation of documents, financial models and presentations.
  • Reduced bank losses by setting successful risk management policies.
  • Made continuous business adjustments to improve branch operations.
  • Collected company information and developed PowerPoint presentations for use in decision-making.
  • Improved decision-making by using current data on market conditions and individual financial situations.
  • Researched beneficial investment opportunities and made recommendations to senior management.
  • Promoted managers from employee ranks to encourage performance and maintain continuity of leadership.
  • Facilitated mergers and acquisitions by generating necessary capital.
  • Oversaw work of 200 investment banking personnel.
  • Established standards and oversaw implementation of 5 department.

Education

Associate of Arts - Business Administration And Management

Cabrillo College
Aptos, CA
05.1981

High School Diploma -

San Lorenzo High School
San Lorenzo, CA
06.1979

Skills

  • Key Account Generation
  • Relationship Selling
  • Negotiation Tactics
  • Sales Forecasting
  • Market Research and Analysis
  • Sales Development
  • Problem-Solving
  • Account File Maintenance
  • Problem Solving
  • Application Review
  • Complaint Handling
  • Credit History Review
  • Product Education
  • Loan Feasibility Assessment
  • Financial History Analysis
  • Loan Processing Coordination
  • Creditworthiness Determination
  • Credit File Updating
  • Customer Relations
  • Attention to Detail
  • Income Evaluation
  • Payment Schedule Computation
  • Credit Check Knowledge
  • Client Account Management
  • Banking
  • Active Listening and Learning
  • Cash Handling

Accomplishments

  • Consistently maintained high customer satisfaction ratings.
  • Created highly effective new program that significantly impacted efficiency and improved operations.
  • Recognized as Employee of the 20 years for outstanding performance and team contributions.

Affiliations

  • Not applicable

Timeline

Associate Banker ME

JP Morgan Chase
07.2022 - 12.2024

Senior Mortgage Consultant

Absolute Mortgage - Issaquah
04.2004 - 02.2019

Financial Services Officer

Golden West Financial/World Savings
06.1979 - 03.2004

Associate of Arts - Business Administration And Management

Cabrillo College

High School Diploma -

San Lorenzo High School
Darla Mosher