Efrica Sedeyia Bellamy
Charlotte,NC
Summary
Experienced Loan Officer adept at assessing customer needs, providing suitable products and guiding customers through loan process. Handles complex financial transactions using in-depth knowledge of loan products, services and lending regulations. Develops strong customer relationships by providing excellent service.
Overview
15
15
years of professional experience
Work History
Business Solutions Officer
Carolina Small Business Development Fund (Remote)
01.2023 - 01.2024
- Provide lending and business assistance services to established and startup businesses through advising, application assistance, and professional referrals
- Provide $1.2 Million in lending to startup and existing businesses within assigned 13 counties.
- Performing initial financial analysis to determine the borrower’s readiness to apply. This includes analyzing balance sheets, profit, and loss as well as cash flow statements
- Responsible for sustaining and growing the organization’s lending portfolio
- Facilitate community outreach efforts and build referral networks
- Prepare credit memos, and presenting loan applications for approval to credit committee.
Loan Officer
South Carolina Community Loan Fund (Remote)
06.2019 - 12.2022
- Provide $1 Million in lending to startup and existing businesses within assigned counties.
- Responsible for working with clients to evaluate their overall financial health, determine financing needs, verify credit-readiness, and assess project feasibility
- Facilitate community outreach efforts and build referral networks.
- Underwrite loan requests, prepare credit memos, and present loan requests to credit committee for approval
- Worked with team and leadership to create and enhance credit products and policies
- Co Chair of Diversity Equity and Inclusion Committee. Assisted leadership in prioritizing an inclusive working environment, identify systemic inequities and strived to improve the organization's workplace culture.
Remote Housing Counselor
Neighborhood Assistance Corporation of America (NACA)
03.2017 - 06.2019
- Provide comprehensive counseling to quality homebuyers for the NACA mortgage
- Work with homebuyers to determine eligibility and readiness for homeownership
- Determining a maximum mortgage payment and maximum purchase price through debt-to-income calculations, and savings patterns
- Access the creditworthiness of homebuyers by analyzing credit history, and employment stability
- Processing and packaging and underwriting files to obtain final qualification approval
- Completed 20-hour S.A.F.E Act Pre-licensing course
- Completed HUD Certification for Housing Counseling.
Settlement Modification Approver/Home Preservation Closer
Talent Bridge (Contract)
03.2016 - 12.2016
- Managed a pipeline of FHA loans to prepare for modification within Home Preservations
- Followed up daily on files to ensure loans were submitted within a timely manner
- Reviewed files against system information to ensure accuracy
- Handled escalated files to meet compliance guidelines
- Consistently met daily and weekly submission goals as well as achieving 100% quality in file submissions.
Customer Care Representative
Windstream
10.2013 - 01.2016
- Handled an average of 40-50 inbound calls per day
- Maintained and exceeded monthly quality and sales goals
- Resolve customer inquiries regarding billing, new installations, and technical support
- Provide consulting regarding products and services for new and existing clients.
Document Specialist/Processor
Citi Mortgage
09.2012 - 09.2013
- Served as liaison between Homeowner Support Specialist and underwriter
- Maintained 100% in quality goals and submission goals on a month-to-month basis
- Reviewed customer documents such as tax returns, income documents, appraisals, title reports, and credit reports
- Ensured that all documents are valid and meet investor guidelines including FHA, VA, AND USD
- Made sure customers had a complete package to submit to underwriting.
Account Manager
Citi Auto/Santander
10.2008 - 05.2012
- Managed a portfolio of accounts totaling approximately $3 Million in balances
- Provided loss mitigation solutions to customers to resolve delinquency
- Remained updated on regulatory compliance training
- Maintained individual and team delinquency and quality goals each month.
Education
Master of Business Administration -
Webster University
Myrtle Beach, SC01.2005
Bachelor of Science in Computer Science -
South Carolina State University
Orangeburg, SC01.2001
Skills
- Relationship building and management
- Documentation Review
- Credit analysis
- Attention to Detail
- Microsoft Office
- Application Review
- Customer Service
- Business Development
- Commercial Lending
- Mortgage lending
- Consumer Lending
- Financial analysis aptitude
Summaryofqualificationsandskills
Self-motivated professional with a combined 12+ years of experience in lending across both consumer and commercial lending industries. Adept at analyzing borrower profiles, structuring loan products, and developing strong relationships with clients. Dedicated to providing excellent customer service and tailored loan solutions.
Timeline
Business Solutions Officer
Carolina Small Business Development Fund (Remote)
01.2023 - 01.2024
Loan Officer
South Carolina Community Loan Fund (Remote)
06.2019 - 12.2022
Remote Housing Counselor
Neighborhood Assistance Corporation of America (NACA)
03.2017 - 06.2019
Settlement Modification Approver/Home Preservation Closer
Talent Bridge (Contract)
03.2016 - 12.2016
Customer Care Representative
Windstream
10.2013 - 01.2016
Document Specialist/Processor
Citi Mortgage
09.2012 - 09.2013
Account Manager
Citi Auto/Santander
10.2008 - 05.2012
Master of Business Administration -
Webster University
Bachelor of Science in Computer Science -
South Carolina State University
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