Gilda S. Bates
Richmond,VA
Overview
43
43
years of professional experience
1
1
Certification
1
1
AHIP CERTIFIED
1
1
FFM Certified
1
1
SBE Certified in Virginia
Work History
REGISTERED AGENT/BROKER
Self Employed
01.2010 - Current
- Self Employed
- Licensed to Conduct Business in Maryland, North Carolina and Virginia
- Conducted Health, & Life Insurance open house events for various businesses and universities
- Conduct Personal Financial Services Events for individuals, organizations, businesses, and churches
- Conduct Seminars for high school students on college planning
- Servicing individual retirement portfolios
PREMIER HOME SERVICE SPECIALIST III
Bank of America
01.2002 - 01.2010
- Administer underwriting, processing, closing and funding of first mortgage loans. Manage loan pipeline of 55 -80 loans, typically on one-unit properties
- Efficiently verify customer income/asset documentation including analyzing complex tax returns, resolve more complex title, appraisal and subordination issues
- Execute closing actions to ensure a timely and effective closing process
- Develop and maintain high-end customer service by being proactive in communication with customers, banking center associates, and realtors
- Approve exceptions within broad delegated exception authority and lending authority
- Utilize all available tools for processing, including the Consumer Real Estate Policy & Procedure Guide and Knowledge Share updates
OFFICE MANAGER
RCI Systems Corporations
01.2000 - 01.2002
- Developed office procedures and policies for filing, data entry, record maintenance, and logistics operations. Created and maintained productivity database for specific company projects
- Maintained inventory for logistic center
- Oversaw shipping of all project materials
- Prepared and organized various reports for Senior Management
Senior Account Manager
Wachovia
01.1983 - 01.2000
- Back office Lender, responsible for underwriting various types of loans for Small Businesses.
- Lending authority 1 million secured and $100,000 unsecured.
- Loan types included, credit cards, installment loans, commercial loans and lines of credit, second mortgages and equity lines of credit.
- Maintained 20 to 25 file pipeline
Education
Consumer Credit Diploma - undefined
AMERICAN INSTITUTE OF BANKING
01.1994
Banking and Finance - undefined
UNIVERSITY OF RICHMOND
01.1994
Banking and Finance - undefined
J. SARGENT REYNOLDS COMMUNITY COLLEGE
01.1985
Business and Information Systems - undefined
VIRGINIA STATE UNIVERSITY
01.1982
Certification
- Health, Life and Annuities License: Virginia, Maryland, North Carolina
- American College Funding Certification 2013
- AHIP Certified
- FFM Certified
- SBE Certified in Virginia
Skills
Licensed insurance agent
Training
SPECIALIZED TRAININGS: Allianz University training, Mutual Trust Life and Health training, National Agents Alliance University Life and Health training, Real Estate and Appraisals, Reviewing Appraisals to USPAP Standards, Analyzing Financial Statements, Consumer Lending, Law and Banking I & II, Analyzing Personal Cash Flow, Accounting for Bankers I & II, Money and Banking, Principles of Banking
Timeline
REGISTERED AGENT/BROKER
Self Employed
01.2010 - Current
PREMIER HOME SERVICE SPECIALIST III
Bank of America
01.2002 - 01.2010
OFFICE MANAGER
RCI Systems Corporations
01.2000 - 01.2002
Senior Account Manager
Wachovia
01.1983 - 01.2000
Consumer Credit Diploma - undefined
AMERICAN INSTITUTE OF BANKING
Banking and Finance - undefined
UNIVERSITY OF RICHMOND
Banking and Finance - undefined
J. SARGENT REYNOLDS COMMUNITY COLLEGE
Business and Information Systems - undefined
VIRGINIA STATE UNIVERSITY