Dawn Stowe
Concord,NC
Summary
Excellent communication and negotiation skills. Offering 20 year history of successful loan and mortgage processing, as well as Customer service. Knowledgeable and efficient professional with extensive experience in financial industry. Prepares detailed client financial information to meet strict government and state regulations. Possesses comprehensive knowledge of conventional and government loan programs to fulfill customer needs.
Overview
42
42
years of professional experience
Work History
Personal Banker
Wells Fargo
11.2023 - Current
- Utilized strong interpersonal communication skills during client interactions, resulting in increased trust and fostering long-lasting relationships.
- Assisted customers with setting up or closing accounts, completing loan applications, and signing up for new services.
- Maintained compliance with bank policies and regulations while executing various financial transactions for customers.
- Generated new business by conducting thorough financial needs assessments and offering tailored products to clients.
Subject Matter Expert
Cardinal Financial Corporation, LLC
10.2015 - 08.2023
- Supported teams in continuous delivery of quality products and services, enhancing usage and introducing new features.
- Analyzed business problems, identifying root causes and developing robust solutions.
- Collaborated with management to identify and prioritize new development concepts.
- Monitored and tracked user progress to identify improvement opportunities.
- Delivered exceptional customer service to every customer by leveraging extensive knowledge of products and services and creating welcoming, positive experiences.
- Investigated and resolved customer inquiries and complaints quickly.
- Trained staff on operating procedures and company services.
- Process Mortgage loan application for all types of Mortgage products, including FHA, VA,USDA, Jumbo, Conventional Freddie Mac/Fannie Mae.
Home Equity Specialist
Wells Fargo Home Equity
01.2013 - 10.2015
- NMLS #438229
- Responsible for performing a variety of loan documentation duties on complex loan packages to ensure compliance with Company policies and procedures for loan products
- Functions include: processing, closing and compliance for loan products; interpreting policies while analyzing applicant, property and documentation; ordering all required verifications, documentation and subsequent follow-ups; may provide guidance and training to other loan documentation team members
- May manage an assigned pipeline of loans and/or assign new loans to other loan team members.
3 Step Post Closing CSR
Aerotek/Wells Fargo
06.2012 - 01.2013
- Responsible for performing a variety of loan documentation duties on complex loan packages to ensure compliance with Company policies and procedures for loan products
- Functions included walking borrowers through their closing documents and explaining the content, where they needed to be notarized and the procedure for returning the required documentation to fund.
Automotive Sales Representative
Honda of Concord
06.2011 - 06.2012
- Determine each customer's vehicle needs and wants by asking questions and listening
- Demonstrate vehicles (includes test drives)
- Report to the Sales Manager regarding objectives,planned activities, reviews and analysis
- Maintain a prospect development system
- Maintain an owner follow-up system that encourages repeat and referral business
- Know and understand equity and values, and be able to explain depreciation to the customer
- Know and understand the federal, state and local laws which govern retail auto sales.
Loan Officer II
Empower Federal Credit Union
08.2002 - 05.2011
- Approve loans within specified limits, and refer loan applications outside those limits to management for approval
- Meet with applicants to obtain information for loan applications and to answer questions about the process
- Analyze applicants' financial status, credit, and property evaluations to determine feasibility of granting loans
- Explain to customers the different types of loans and credit options that are available, as well as the terms of those services
- Obtain and compile copies of loan applicants' credit histories, corporate financial statements, and other financial information
- Review and update credit and loan files.
Inside Sales Representative
Dielectric Laboratories
11.1982 - 01.2002
- Contacting existing clients, reaching out to new clients, explaining how a product works, attending sales meetings, testing products and negotiating prices.
Education
Rex Johnson School of Lending
2005
High School Diploma -
Cazenovia High School
06.1982
BOCES -
Cazenovia Central School
1982
Skills
- Application Processing
- Policy Compliance
- Client Relationships
- Government Standards
- Mortgage Lending
- Regulatory Requirements
- FHA Loan Processes
- Loan Approval
- Complete Loan Applications
- Knowledge of VA Loan Process
Timeline
Personal Banker
Wells Fargo
11.2023 - Current
Subject Matter Expert
Cardinal Financial Corporation, LLC
10.2015 - 08.2023
Home Equity Specialist
Wells Fargo Home Equity
01.2013 - 10.2015
3 Step Post Closing CSR
Aerotek/Wells Fargo
06.2012 - 01.2013
Automotive Sales Representative
Honda of Concord
06.2011 - 06.2012
Loan Officer II
Empower Federal Credit Union
08.2002 - 05.2011
Inside Sales Representative
Dielectric Laboratories
11.1982 - 01.2002
Rex Johnson School of Lending
High School Diploma -
Cazenovia High School
BOCES -
Cazenovia Central School