Erica Renslow
Bozeman,MT
Summary
Skilled Branch Manager with demonstrated success in coordinating team and financial activities. Friendly and adaptable professional with remarkable leadership and program management skills. Expertise in customer service relations and sales management.
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.
Driven Loan Officer with track record in mortgage and home lending product sales. Demonstrating strong interpersonal skills and exceptional service throughout sales process.
Manages high-volume loan paperwork in dynamic environments with high production, approval and customer relations targets. Expertise includes reviewing and validating personal, employment and financial histories for each applicant. Self-motivated and reliable with excellent teamwork, problem-solving and organizational skills.
Overview
15
15
years of professional experience
Work History
Branch Manager/Mortage Loan Originator
Cherry Creek Mortgage A Division Of Guild
2020.01 - Current
- Maintained friendly and professional customer interactions.
- Assessed employee performance and developed improvement plans.
- Engaged employees in business processes with positive motivational techniques.
- Complied with regulatory guidelines and requirements.
- Enhanced branch production rates by handling staff conflicts, evaluations, hiring, and termination processes and coaching employees on company protocol and payroll operations.
- Interviewed applicants to assess loan requirements before suggesting offers.
- Prepared documents for customers, submitting and overseeing through each step of closing process.
- Updated borrowers through each step of loan application, approval and closing processes while remaining attentive to customer needs.
- Collaborated with sales agents, financial planners and accountants to attract clients and enhance beneficial partnerships.
- Resolved discrepancies between borrowers, lenders and financial institutions with detail orientation and efficiency.
- Collected information from banks, institutions and employers to assess applicant eligibility.
- Developed strong relationships with customers through high levels of customer service.
- Assisted customers in understanding loan terms and conditions to make informed decisions.
- Maintained strict confidentiality of bank records and client information.
- Submitted loan applications to underwriter for verification and recommendations.
- Originated, reviewed, processed, closed, and administered customer loan proposals.
- Negotiated loan terms to provide favorable outcomes for both customers and lenders.
- Examined customer loan applications for loan approvals and denials.
- Recommended loan approvals and denials based on customer loan application reviews.
- Advised clients on mortgage, education and personal loans.
- Developed and implemented marketing campaigns to attract new customers.
- Stayed up to date on loan regulation changes, processing loan applications in compliance with current laws.
- Prepared loan documents and explained terms to clarify loan conditions and requirements with applicants.
- Affirmed loan document accuracy to protect lenders from potential fraud.
- Verified credit histories, personal references and employment backgrounds for each applicant.
- Calculated debt-to-income ratios to determine maximum loan amounts and avoid overextending applicants.
- Tracked loan status and updated applicant information to inform lenders of changes to applicants' financial situation.
- Contacted customers via mail, telephone and email to relay acceptance or rejection of applications.
- Confirmed applicants met lender requirements to repay loans by reviewing applications to determine eligibility.
- Analyzed credit reports to assess risk and determine applicants' ability to repay loans.
- Provided professional advice on loan applications by interviewing applicants, reviewing applications and verifying information gathered.
- Communicated acceptance or rejection to applicants via mail, email, telephone or personal consultations.
Mortgage Loan Officer
First Interstate Bank
2010.09 - 2020.01
- Worked with underwriters to fix application problems and resolve issues.
- Communicated with clients, processing teams and other third parties to achieve prompt loan closings.
- Maintained high level of customer satisfaction by providing prompt and accurate loan status updates.
- Analyzed loan applications and credit reports to determine loan eligibility and risk level.
- Followed up with clients on missing loan documents, providing guidance on best way to complete application process.
- Checked loan documents for accuracy prior to closing.
- Participated in industry events and conferences to build relationships and gain market intelligence.
- Monitored portfolio performance and provided clients with periodic updates on loan progress.
- Monitored pipelines to track and log status of loans.
- Developed and maintained relationships with customers, lenders and other third parties.
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
- Negotiated loan terms and conditions with customers to secure best deal.
- Researched and updated industry knowledge on changing legislation and regulations.
Commercial Credit Analyst
First Interstate Bank
2008.09 - 2010.09
- Reviewed credit reports to comprehensively view borrowers' credit history and identify potential red flags.
- Analyzed credit scores to determine borrowers' creditworthiness.
- Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
- Monitored credit accounts routinely to identify and mitigate issues and prevent losses.
- Assessed credit risk and analyzed financial statements.
- Conducted financial review of customer lines of credit by assessing company financials and initiating credit application reviews.
- Analyzed creditworthiness of loan applicants and determined credit risk of loan requests.
Education
Bachelor of Science - Business Management
Montana State University
Bozeman, MT12.1999
Skills
- Complex Problem-Solving
- Financial Transactions Expertise
- Financial Analysis Aptitude
- Retail Mortgage Loan Origination
- Originating Home Loans
- Strategic Financial Planning
- Reading Comprehension
- Client Interviews
- Document Analysis
- Loan Application Management
- Client Relations
- Applicant Counseling
Timeline
Branch Manager/Mortage Loan Originator
Cherry Creek Mortgage A Division Of Guild
2020.01 - Current
Mortgage Loan Officer
First Interstate Bank
2010.09 - 2020.01
Commercial Credit Analyst
First Interstate Bank
2008.09 - 2010.09
Bachelor of Science - Business Management
Montana State University
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