Erica Belford
New Smyrna Beach,FL
Summary
Results-driven Mortgage Funder with specialized skills in loan documentation review, risk assessment, and regulatory compliance. Excel at completing funding tasks efficiently and with high productivity, ensuring smooth closing processes. Strong in communication, problem-solving, and time management, capable of excelling in fast-paced environments.
Overview
19
19
years of professional experience
Work History
Mortgage Funder
Teachers Federal Credit Union
Hauppauge, NY
01.2022 - Current
- Reviews files from processing to ensure the title is clear and all conditions have been met
- Funds all 1st Mortgages to include updating Collateral, Taxes, Insurance
- Disburses money according to the terms of the loan
- Enters information into the computer system as general ledger transactions to transfer money or to generate checks to the member, attorney, title company and others as directed
- Builds Relationships with Attorneys, Title Agents
- Prepares closing documents for Home Equity Loans and Lines of Credit
- Working with various loan products, conforming to underwriters conditions, closing instructions
- Sends loan documents to quality control for review
- Facilitates the closing process by verifying member employment 10 days before the closing
Financial Services Representative
Teachers Federal Credit Union
Hauppauge, NY
01.2021 - 01.2022
- Educates members to bank more efficiently using the web, mobile, and ATM
- Reviews loan applications and related documentation to ensure they are accurate and complete, notarizes documents
- Reviews suspicious account activity and investigates potential fraud by reviewing account transactions, examining checks, matching signatures
- Work closely with new and existing members to understand their financial needs and deepen relationships
- Provides recommendations and assist members with a wide array of financial solutions to satisfy their spending, savings, borrowing, and investing needs
Peoples United Bank
West Babylon, NY
01.2017 - 01.2021
Personal Banker
BNB Bank
Woodbury, NY
01.2014 - 01.2017
- Responsible for supervising the teller staff
- Open both business and consumer accounts
- Full knowledge of all banking products
- Assist with all branch audits
- Service existing accounts
- Notary Republic
Senior Platform Representative
TD Bank
Plainview, NY
01.2006 - 01.2014
- Consumer loan and mortgage certified with NMLS #
- Able to enter loans, follow up on missing documentation & finalize the loan
- In depth knowledge of the proper documentation for both consumer and business accounts
- Responsible for supervising the teller and customer service staff
Sales & Service Manager (Market Reserve)
Mortgage Funder
Centereach, NY
- Responsible for supervising the staff of 5 branches & working closely with Market Manager
- Leads and takes ownership of sound operational activities including managing cash levels, supplies, inventory, balancing ATMs and the vault in compliance with the Bank's policies and procedures
- Recognizes customer issues and converts customer issues into relationship building opportunities
- Assist in branch audits, cash counts
- Coaches bankers to develop their awareness of and adherence to sound operating procedures and effective risk management
- Actively seeking opportunities for additional products and services, consistently makes partner referrals
- Able to enter loans, follow up on missing documentation & finalize the loan
Education
High School Diploma -
Cardozo HS
Bayside, NY06-1999
Skills
- Administrative Support
- Documentation and reporting
- Customer service
- Problem solving
- Data entry
- Attention to detail
- Multitasking and prioritization
- Training and development
- Friendly, positive attitude
- Time management
- Problem-solving capacity
- Regulatory compliance awareness
- Closing procedures mastery
- Collaboration and teamwork
- Loan origination systems
- Fraud detection techniques
- Document review
- Strong communication skills
- Loan processing expertise
- Closing coordination
- Pre-approval process
- Loan origination
- Regulatory compliance
- Document analysis
- Refinancing options
- Application tracking
- Goal oriented
Timeline
Mortgage Funder
Teachers Federal Credit Union
01.2022 - Current
Financial Services Representative
Teachers Federal Credit Union
01.2021 - 01.2022
Peoples United Bank
01.2017 - 01.2021
Personal Banker
BNB Bank
01.2014 - 01.2017
Senior Platform Representative
TD Bank
01.2006 - 01.2014
Sales & Service Manager (Market Reserve)
Mortgage Funder
High School Diploma -
Cardozo HS