Elaine Schreader
Granite Bay,CA
Summary
I am a motivated, professional, self starter, flexible and adaptable professional who excels in fast paced environments, with attention to detail and exceeding customer expectations. My goal is to work within a team setting where there is mutual trust, cooperation and accountability, which supports my personal goals for shared values and commitment.
Overview
8
8
years of professional experience
Work History
Loan Officer
Mutual Of Omaha Mortgage
Granite Bay (Remote), CA
01.2022 - 08.2022
- Educated senior citizens on FHA guidelines, Interest rates and terms of the loan, qualifications and how the reverse mortgage works to benefit their financial welfare.
- Originated, reviewed, processed, ordered credit reports and uploaded complete package to Mgr for initial review
- Weekly followup with each applicant to inform of status and ask for any additional documents needed to complete loan process
- Met and exceeded all of Company's required goals for closed loans and metrics.
Caregiver
Self
Granite Bay , CA
02.2021 - 11.2021
- Managed for my elderly mother's care, performing ongoing duties and support during her last chapter of her life until she passed away on November 27th, 2021.
Loan Specialist
US Small Business Administration
Citrus Heights (Remote), CA
04.2020 - 01.2021
- Inbound calls from business owners within a fast paced call center environment, working with multiple computer screens and programs.
- Assisted Small Businesses during Corona Virus Pandemic to assure victims of receiving financial assistance within a very timely manner.
- Compiled database of loan applicants credit histories, corporate financial statements and other information.
- Originated, reviewed, processed. closed and administered customer loan proposals.
- Recommended loan approvals and denials based on customer loan application review.
- Maintained strict confidentiality of all personal information gathered from applicants.
Loan Processor/FHA and CAL HFA Counselor
NeighborWorks Of Sacramento
Sacramento, CA
06.2019 - 04.2020
- Partnered with Wells Fargo Bank in a down payment assistance program for low to moderate income households, collecting documents, verifying identity, credit report reviews, acquiring title and escrow fees, sent initial loan disclosures and final loan disclosures.
- CAL HFA Counseling for Applicants as part of the conditions to qualify for this loan program.
- Acquired HECM Counseling Certificate while launching a new program to counsel applicants for their required certificate in order to purchase their homes.
- Compliant with all applicable government regulations and cooperated with internal quality control and compliance programs.
Lon Specialist
US Small Business Administration
Citrus Heights, CA
10.2017 - 05.2019
- Provided hurricane disaster assistance to homeowners and renters seeking financial relief for home repairs and replacement of damaged homes and personal properties.
- Processed home and personal loans, made eligibility determinations, verification of property ownership and insurance policy status.
- Evaluated credit history to determine credit worthiness of applicants.
- Ensured all case files contained all documentation of facts, completed written analysis, conclusions and recommendations.
- Utilized Disaster Credit Management System to provide terms and conditions of the loans.
Loan Officer
Liberty Home Equity Solutions
Sacramento, CA
08.2014 - 09.2017
- Educated the senior market with reverse mortgage guidelines, terms and interest rates and provided facts on how the program works.
- Created complete loan applications over the phone and in person. Requested all documents needed in order to submit complete package to processing for review.
- Analyzed credit reports, tax returns and financial statements prior to submission to assure loan approval in a timely manner.
- Extensive follow up with borrowers .Requesting any additional documents needed to close loan.
- Reviewed final loan docs with borrowers, scheduled closing with Notary.
- Met and exceeded company required closings per month. Top 5% of sales within first 6 months.
Education
No Degree - Business
College of San Mateo
San Mateo, CASkills
Customer Service Representative
Sales
Mortgage Loan Origination
Multiple computer screens and applications
Call Center/Phones
Product Education
Consulting and Counseling
Timeline
Loan Officer
Mutual Of Omaha Mortgage
01.2022 - 08.2022
Caregiver
Self
02.2021 - 11.2021
Loan Specialist
US Small Business Administration
04.2020 - 01.2021
Loan Processor/FHA and CAL HFA Counselor
NeighborWorks Of Sacramento
06.2019 - 04.2020
Lon Specialist
US Small Business Administration
10.2017 - 05.2019
Loan Officer
Liberty Home Equity Solutions
08.2014 - 09.2017
No Degree - Business
College of San Mateo
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