Summary
Overview
Work History
Education
Skills
Timeline
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ELIZABETH STOTZ

MONTPELIER,OH

Summary

Motivated banking and lending professional passionate about providing excellent customer service and exceeding expectations. Talented well-versed in service marketing credit offerings and banking operations. Inspires staff loyalty through strong leadership and communication skills.

Overview

24
24
years of professional experience

Work History

Loan Partner

United Wholesale Mortgage/The Town Group
05.2023 - Current
  • Supporting Loan Officer's remotely by reviewing applications, income calculations, analyzing credit, checking guidelines, meeting with clients, managing disclosures and restructuring of loans as needed.
  • · Provided client support by managing escalations, investigations, responding to questions on loan transactions, providing timely resolutions and gathering required documentation to continue with the loan process.
  • Proficiency of Conventional, FHA, Jumbo, and VA, Non QM guidelines
  • Managed complex loan issues using expertise and judgement to interpret loan policies, client documents, guidelines, and processes.
  • NMLS licensed in Florida and New Jersey
  • Collaborated with team members to resolve complex loan issues and restructuring of loans as needed.
  • Participated in weekly team meetings to support the implementation of process improvements, new assigned projects, review policy changes, industry standards and audit concerns.
  • Maintained a high level of customer satisfaction by providing prompt and accurate loan status updates.
  • Collaborate with title, realtors and investors to schedule loan closings.
  • Improved loan processing efficiency by streamlining documentation and communication procedures.
  • Reduced client wait times for loan approvals through diligent follow-up with underwriters and prompt submission of required documents.

Loan Partner

Success Mortgage Partners, LLC
06.2020 - 03.2023
  • Supported top producing loan originator by reviewing applications, income calculations, running credit, checking guidelines, meeting with clients, managing disclosures and restructuring of loans as needed.
  • Maintained open line of communication with borrowers, loan originator, underwriters and realtor throughout entire process assisting each as needed.
  • Proficiency of Conventional, FHA and VA guidelines
  • Coordinated mortgage settlements with borrowers, legal and title.
  • Provide written and weekly updates to Loan Originator.
  • Completed processing checklist to maintain quality audit standards on each loan.
  • NMLS licensed in Florida and New Jersey
  • Reviewing client documentation to submit to underwriting
  • Prepare all loans for closing by collecting/obtaining all documentation required to clear any underwriting approval conditions.

Personal Financial Advisor & Loan Officer

Eastern Utah Community Credit Union
08.2015 - 07.2020
  • Promoted and cross sold various products to members.
  • Knowledge in all areas of daily branch operations.
  • Enhanced branch operations through effective management of daily bank teller activities and workflow prioritization.
  • Improved member satisfaction by efficiently managing teller transactions and addressing member inquiries.
  • Successfully developed new relationships with members after period of high employee attrition.
  • Recognized as subject matter expert in resolution of balancing errors.
  • Filled in for Branch Manager in their absence when it came to managing daily operations of the branch.
  • Processed daily client transaction, including deposits, withdrawals, money transfers, loan payments and selling cashier’s checks.
  • Responsible for daily balancing of branch vault cash machines and personal teller drawer.
  • Experience in ordering branch currency to maintain sufficient branch operation.
  • Assisted clients with budgeting and cash flow management.
  • Prospected and developed internal and external centers of influence to build and cultivate pipeline of new client opportunities.
  • Prepare loan packages in accordance with internal and external compliance and regulatory processes and requirements.
  • Exceeded yearly loan goals for FY2016, FY2017, FY2018 and FY2019 in addition to cross-selling goals for debt protection.
  • Processed and closed FHA, Conventional, VA and HELOC mortgage loans.
  • Worked closely with Collections Department to resolve, mitigate and monitor delinquent loans.

Closing Officer / Escrow Agent

Merestone Title Agency, Ltd
05.2011 - 08.2015
  • Supervised Office Assistat and Title Examiner.
  • Led entire real estate closing process, including compliance with real estate contracts, lender instructions, title requirements, and company requirements.
  • Understood escrow process to determine what steps needed to be taken to transfer title of property pursuant to conditions called for in real estate contract and lender instructions.
  • Responsible for daily operations of the office, staff, and real estate closings.
  • Collaborated with title department to resolve title issues such as legal descriptions, easements, lot splits, vesting, tax liens, abstracts of judgments, bankruptcies, boundary disputes, encroachments, and list pendants.
  • Prepared all closing documents necessary to ensure title insurance was issued at closing.
  • Improved documentation workflow from order reception, title search, commitment, pre-closing, closing, and post-closing activities to increase efficiency.
  • Established close relationships with select lenders and realtors.
  • Reviewed funding packages by calculating fees and arranging for disbursement of loan funds
  • Prepared deeds and leases, closing statements and purchase agreements.
  • Created strategies to develop and expand existing client relationships.
  • Supervised personnel and motivated to maintain client service and performance standards.

Customer Service Representative / Mortgage

Farm Credit Services of Mid-America, FLCA
03.2000 - 01.2011
  • Supported loan originators by preparing loan packages for underwriting, analyzed figures, prepared loan documents, closed loan, and disbursed funds.
  • Cross-sold additional products that included life insurance, crop insurance, and other loans suited for customers.
  • Reviewed monthly delinquency reports and borrowers’ financial situation and contacted customers to discuss course of action regarding modifications and possible liquidation options.
  • Recognized as Top 10 Seller of life insurance and doubled branch’s loan volume over five-year period.
  • Exceeded monthly loan conversion goals for converting customer loans to lower interest rate.
  • Fund new loans and manage loan draws throughout the construction and repayment process.

Education

Bachelor of Arts - Business Management & Administration

American InterContinental University
Schaumburg, IL
12.2009

Skills

  • Supervising others
  • Teller Operations
  • Teller Auditing
  • Staff Training
  • Relationship Selling
  • Banking Operations
  • Collections and Deliquencies
  • Cash Management
  • Real Estate Loans
  • Credit report analyzing
  • Mortgage Loan Origination
  • Loan Restructuring
  • Lending Software Systems
  • Complex Problem-Solving

Timeline

Loan Partner

United Wholesale Mortgage/The Town Group
05.2023 - Current

Loan Partner

Success Mortgage Partners, LLC
06.2020 - 03.2023

Personal Financial Advisor & Loan Officer

Eastern Utah Community Credit Union
08.2015 - 07.2020

Closing Officer / Escrow Agent

Merestone Title Agency, Ltd
05.2011 - 08.2015

Customer Service Representative / Mortgage

Farm Credit Services of Mid-America, FLCA
03.2000 - 01.2011

Bachelor of Arts - Business Management & Administration

American InterContinental University

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ELIZABETH STOTZ