Ilona Fountain
Portal,GA
Summary
Organized Mortgage Loan Officer with 12 years of experience in Mortgages. Extensive real estate knowledge and success in client education. Adept at mathematical accuracy and following financial regulations. Analytical Mortgage Loan Officer with 10 years of experience. Deadline-oriented and mathematically adept with commitment to financial success and helping clients. Dedicated to maintaining professionalism and integrity. Experienced Mortgage Officer/ Branch Manager with over 4 years of experience in Banking. Excellent reputation for resolving problems and improving customer satisfaction. Mortgage Officer position to help launch career while achieving company goals.
Offering excellent communication and good judgment. Dedicated professional with history of meeting company goals utilizing consistent and organized practices. Skilled in working under pressure and adapting to new situations and challenges to best enhance the organizational brand. To seek and maintain a full-time position that offers professional challenges utilizing interpersonal skills, excellent time management and problem-solving skills. Mortgage Loan Officer with extensive knowledge of modern mortgaging. Committed to accurate and thorough work to financially benefit all parties. Successful at finding efficient plans and money allocation. Dedicated professional with history of meeting company goals utilizing consistent and organized practices. Skilled in working under pressure and adapting to new situations and challenges to best enhance the organizational brand. Enthusiastic and eager to contribute to team success through hard work, attention to detail and excellent organizational skills. Accomplished Loan Officer dependable in building customer base and exceeding business goals. Well-versed in loan products and customer engagement strategies. Pursues opportunities to build connections, increase bank revenue and cement loyalty. Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals. Detail-oriented team player with strong organizational skills. Ability to handle multiple projects simultaneously with a high degree of accuracy.
Overview
13
13
years of professional experience
Work History
Mortage Loan Supervisior
CORE Credit Union
Statesboro, GA
09.2022 - Current
- Updated borrowers through each step of loan application, approval and closing processes while remaining attentive to customer needs.
- Explained different types of loans pertaining to client situations.
- Worked with underwriters to fix application problems and resolve issues.
- Prepared documents for customers, submitting and overseeing through each step of closing process.
- Interviewed applicants to assess loan requirements before suggesting offers.
- Collected information from banks, institutions and employers to assess applicant eligibility.
- Resolved discrepancies between borrowers, lenders and financial institutions with detail orientation and efficiency.
- Assisted clients in selecting correct loan product and terms to meet needs and financial goals.
- Analyzed loan applications and credit reports to determine loan eligibility and risk level.
- Maintained high level of customer satisfaction by providing prompt and accurate loan status updates.
- Communicated with clients, processing teams and other third parties to achieve prompt loan closings.
- Negotiated loan terms and conditions with clients to maximize profitability.
- Checked loan documents for accuracy prior to closing.
- Followed up with clients on missing loan documents, providing guidance on best way to complete application process.
- Monitored portfolio performance and provided clients with periodic updates on loan progress.
- Reviewed loan files and updated to match current standards.
- Fielded customer complaints and provided solutions.
- Collaborated with sales agents, financial planners and accountants to attract clients and enhance beneficial partnerships.
- Developed extensive network of referral partners to source new mortgage loan opportunities.
- Participated in industry events and conferences to build relationships and gain market intelligence.
Senior Mortgage Loan Officer
CORE Credit Union
Statesboro, GA
06.2010 - 09.2022
- Worked with underwriters to fix application problems and resolve issues.
- Reviewed loan files and updated to match current standards.
- Explained different types of loans pertaining to client situations.
- Planned and dealt with payment schedules.
- Created strategies to develop and expand existing customer sales, resulting in increase in annual sales.
- Used critical thinking to break down problems, evaluate solutions and make decisions.
- Identified issues, analyzed information and provided solutions to problems.
- Quickly learned new skills and applied them to daily tasks, improving efficiency and productivity.
- Conducted research, gathered information from multiple sources and presented results.
- Worked with customers to understand needs and provide excellent service.
- Resolved conflicts and negotiated mutually beneficial agreements between parties.
- Worked flexible hours; night, weekend, and holiday shifts.
- Participated in continuous improvement by generating suggestions, engaging in problem-solving activities to support teamwork.
- Delivered to customer locations within specific timeframes.
- Reviewed over financial statements.
- 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.
- 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.
- Assisted clients in selecting correct loan product and terms to meet needs and financial goals.
- Negotiated loan terms and conditions with clients to maximize profitability.
- Monitored portfolio performance and provided clients with periodic updates on loan progress.
- Analyzed potential risks and evaluated loan products to identify suitable options for customers.
- Evaluated loan requests and documents to verify accuracy and completeness.
- Explained very technical financial information to applicants in easy to understand language.
- Negotiated loan terms and conditions with customers to secure best deal.
- Processed loan applications and monitored progress from start to finish.
- Researched and updated industry knowledge on changing legislation and regulations.
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
- Monitored pipelines to track and log status of loans.
- Identified opportunities to cross-sell and upsell loan products to customers.
- Proactively identified solutions for customers experiencing credit issues.
- Established plans and payoffs for customers' loans, prioritizing control of overall costs.
- Approved loan applications based on customer creditworthiness and provided detailed financial advice.
- Assisted customers with completing loan applications and other paperwork.
- Assessed loan portfolios for compliance with underwriting policies.
- Compiled closing packages for drafting and presentation accuracy.
- Participated in industry events and conferences to build relationships and gain market intelligence.
Branch Manager
CORE Credit Union
09.2012 - 10.2016
- Boosted branch sales by developing and deepening customer loyalty through incentive programs.
- Assessed expansion plans and presented costs to forecast trends and recommend changes.
- Maintained friendly and professional customer interactions.
- Generated dramatic improvements across entire sales cycle, including prospecting, conversion and contract negotiation.
- Enhanced branch production rates by handling staff conflicts, evaluations, hiring and termination processes and coaching employees on company protocol and payroll operations.
- Recommended loan approvals and denials based on customer loan application reviews.
- Complied with regulatory requirements including Bank Secrecy Act, Anti Money Laundering, OFAC, USA Patriot Act, Privacy Act and Community Reinvestment Act.
- Gathered and reviewed customer feedback to improve operations.
- Increased monthly staff retention rate after implementing new training programs.
- Reviewed and edited loan agreements to promote efficiency and accuracy.
- Uncovered and resolved strategic and tactical issues impacting sales management and business operations.
- Developed prospects for new loans though weekly cold calling.
- Engaged employees in business processes with positive motivational techniques.
- Assessed employee performance and developed improvement plans.
- Identified and capitalized on community business opportunities with effective networking.
- Created strategies to develop and expand existing customer sales, resulting in increase in annual sales.
- Consulted with representatives of regulatory agencies to complete accurate filings and uphold strict compliance.
- Produced reports outlining financial data to assist management with making strategic plans and operational decisions.
- Interviewed and hired talented individuals with top-level strengths, improving organizational talent and skill set.
- Evaluated applications against outline specifications to approve, reject or recommend adjustments files.
- Submitted loan applications to loan underwriter for verification and recommendation.
- Maintained confidentiality of bank records and client information to prevent mishandling of data and potential breaches.
- Expanded territory by negotiating beneficial deals for principle product sales, distribution and service.
- Compiled database of loan applicants' credit histories, corporate financial statements and other financial information.
- Met deadlines by proactively managing individual and team tasks and streamlining processes.
- Protected company assets with strategic risk management approaches.
- Developed and delivered polished sales presentations in order to highlight product and service quality.
Education
Mortgage Officer - Real Estate
CUNA Mutural
South Carolina03.2013
Associate of Science - Nursing/ LPN
Dekalb Technical College
Dekalb, GA05.1995
Skills
- Mortgage loan expert
- Credit unions
- Conflict resolution
- Leadership
- Compassion
- NMLS licensed
- Adaptability
- Equifax Application Engine
- Application Tracking
- Production Leadership
- Bank Security Issues
- Financial Planning Expertise
- Loan Portfolio Growth
- Loan Modification
- Scheduling Oversight
- Oral and Written Comprehension
- Complex Problem-Solving
- Financial History Reviews
- Document Analysis
- LNMS Licensed
- Economics Understanding
- Applicant Interviewing
- Bottom Line Loan Master Servicing
- Strong Relationships
- Invoice Preparation
- Administrative Support
- Active Listening and Learning
- Pre-Approval Process
- Credit Union Operations
- Calculate Payments
- Customer Transactions
- Creative Solutions
- Negotiation Tactics
- Reading Comprehension
- Detail Orientation
- Customer Inquiries
- Performance Assessment and Improvement
- Processing Loan Applications
- Microsoft Office
- Loan Evaluations
- Loan Product Promotion
- Loan Officer Training
- Regulatory Compliance
- Client Interviews
- Payment Collection
- Underwriting Support
- Credit Check Knowledge
- Networking and Partnership Development
- Mortgage Loan Closing
- Customer Proposals
- Underwriting Guidelines
- Real Estate Lending Processes
- Real Estate Title Concepts
- Credits Understanding
- Serve Customer Needs
- Application Verification
Languages
Russian
Native or Bilingual
Timeline
Mortage Loan Supervisior
CORE Credit Union
09.2022 - Current
Branch Manager
CORE Credit Union
09.2012 - 10.2016
Senior Mortgage Loan Officer
CORE Credit Union
06.2010 - 09.2022
Mortgage Officer - Real Estate
CUNA Mutural
Associate of Science - Nursing/ LPN
Dekalb Technical College