ELINA LAMOURT

• Cultivated strong relationships with customers to enhance understanding of their needs.
• Analyzed market trends to identify opportunities for promoting Wells Fargo retail banking deposit and credit products.
• - Analyze business challenges related to full-service banking for affluent and high-value customers
• - Present recommendations for resolving inquiries and service requests regarding customer accounts
• - Open and service accounts within authorized limits and create follow-up plans with customers
• - Provide information to enhance customer experience through internal and external sources
• - Leverage partners and connect customers with appropriate relationship managers
• Partnered with financial advisors to assess and fulfill customer investment and retirement requirements.

- Provide self-service digital banking options to customers

• Advised clients on investment strategies, credit options, and wealth management services to optimize financial growth.
• Analyzed client portfolios regularly to identify opportunities for increased profitability and risk mitigation.
• Developed comprehensive financial plans for clients, ensuring alignment with their short- and long-term goals.

• - Process Loan Applications and ensure client’s commitments and closing dates are met.
• - This includes but is not limited to entering application information in origination systems, running appraisal reports, UCC searches, Verification of Employment, Social Security Administration Verification, Title Orders, Homeowner’s Insurance updates, CPA and Business Verification.
• - Recognize and describe trends and identify recurring and non-recurring sources of cash flow and borrowers' ability to debt service
• - Ensure that all documentation required for the file is obtained and file is complete
• - Help further loan approval by serving as a liaison between applicants, real estate agents, loan officers, and mortgage lending underwriters
• - Assist with borrower communication, from loan origination to close
• Process mortgage applications ensuring compliance with regulations and company policies.
• Analyze loan documentation for accuracy, completeness, and adherence to underwriting guidelines.
• Coordinate with loan officers to gather necessary information and resolve issues during processing.
• Review credit reports and financial statements to assess borrower eligibility for loans.
• Maintain detailed records of loan files and communications throughout processing stages.
• Train junior processors on best practices and procedures to enhance team efficiency.
• Implement process improvements that streamline workflows and reduce turnaround times for loans.
• Lead quality control initiatives to ensure high standards in document preparation and submission accuracy.
• Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
• Managed a high volume of loan applications, consistently meeting or exceeding established processing timeframes for both new loans and refinancing.
• Handled any conditions sent from underwriting departments.
• Prepared file for final clear-to-close by branch management.
• Contributed to the success of the mortgage team by providing essential support in the areas of loan documentation review, data entry, and client communication.
• Coordinated closing process with attorneys, title companies, and government clerks.
• Received on-going, comprehensive training on home loan products and mortgage process.
• Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.

• - Responsible for providing support to the assigned Mortgage Loan Officers. Primary focus is to manage clerical/ administrative and loan processing duties of the Sales Office.
• - At times, initial point of contact for a customer and effectively communicate to the customer, including receiving information from a customer.
• - Tasks include managing the loan process and including collecting additions documents as required by underwriting in order to insure timely closing of loans.
• - Correct and update borrower’s information in Ifullfill.

• - Ensuring client relationship data integrity; accuracy, completeness, and timeliness of key data elements, including pipeline and systems of record.
• - Coordination and execution of Client Management Process.
• - Proactive client calls to gauge client’s satisfaction, providing loan processing updates, requesting underwriter required documents, and increasing client’s delight.
• - Serve as a liaison for the loan center and customer.
• - Operational Excellence- ensures execution document disposal and fraud management.
• - Manage appraisal/ values, title forms, certification, and other mortgage documents.
• - Distribute marketing material, including a weekly newsletter and/ or quarterly newsletter.

• - Responsible for assisting with the administrative duties related to client relationships and identifying client’s service and sales needs.
• - Assisted with the coordination and follow-up with specialists and experts to ensure superior client service.
• - Assisted with sales operations and NPI audits.
• - Performed daily review of loan applications and worked as a liaison between fulfillment and loan officer.
• - Assisted with weekly, monthly, and quarterly marketing material and distribution.