Janine Lichty
COCOLALLA,ID
Summary
Organized Loan Officer Assistant bringing exceptional administrative and problem-solving skills focused on efficiently fulfilling loan requirements. Knowledgeable about checklists and disclosures, business correspondence and recordkeeping. Skilled at keeping all paperwork orderly and properly transferred. Assistant Officer provides backup for primary officer and deliver consistency and continuity of operations. Manage and direct programs assigned while carrying out supervision and investigatory processes. Proven to provide technical support to expedite programs and resolve problems.
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. Well-qualified administrative team member bringing demonstrated knowledge and abilities in loan processing. Effective at organizing paperwork, resolving discrepancies and working with third-party vendors to clear issues and completing closings.
Driven finance and banking professional effective at maximizing customer service opportunities while exceeding individual performance goals. Community reputation for industry knowledge and high levels of integrity in loan processing. Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals. Experienced Administrative Assistant with over 35 years of experience in the finance industry. Excellent reputation for resolving problems and improving customer satisfaction. Reliable employee seeking Clerk/Financial position. Offering excellent communication and good judgment.
To seek and maintain full-time position that offers professional challenges utilizing interpersonal skills, excellent time management and problem-solving skills.
Dedicated financial 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.
Overview
36
36
years of professional experience
Work History
Mortgage Loan Officer Assistant
Evergreen Home Loans
Sandpoint, ID
07.2016 - Current
- Documented borrower's information in loan processing system and resolved any discrepancies.
- Supported loan processing by compiling applicant documentation such as credit reports, employment verifications and financial history paperwork.
- Assisted with timely loan closing and funding activities with efficient management of task checklists.
- Prepared professional business correspondence on behalf of loan officer to obtain information and facilitate processing steps.
- Scheduled meetings and appointments and maintained well-organized master calendar.
- Liaised with clients to guide through loan closing process and skillfully handle any concerns.
- Conferred with applicants and creditors to obtain information and resolve paperwork discrepancies.
- Maintained referral pipeline by reaching out regularly to real estate agents, referral partners and past clients.
- Coordinated with realtors and title companies to identify discrepancies and update different teams on processing progress.
- Set up files using loan officer checklist and submitted on-time to Loan Processors for processing.
- Communicated with customers daily to request information and complete paperwork.
- Assembled important paperwork and disclosures for borrower.
- Monitored key dates to obtain information by deadlines.
- Cultivated productive relationships with clients, realtors and title/escrow officers to increase profits and expand customer base.
- Assessed loan compliance to meet mortgage lending laws and regulations.
- Reviewed and validated details of loan applications and closing documentation.
- Set up, stored and updated customer files, department records and regulatory paperwork.
- Communicated acceptance or rejection to applicants via mail, email, telephone or personal consultations.
- Verified credit histories, personal references and employment backgrounds for each applicant.
- Filed completed loan applications with underwriting and made approval or denial recommendations.
- Consulted with outside vendors to identify and resolve loan closing issues.
- Conducted pre-funding and funding activities for over 20 monthly applications.
Escrow Officer
Panhandle Escrow Co., Inc.
Sandpoint, ID
03.2015 - 07.2016
- Followed industry standard escrow procedures and maintained awareness of regulations governing escrow process.
- Opened incoming orders and set up escrow files within 24 hours of receiving purchase agreement.
- Set up escrow transactions, processed deposits and mailed out forms and preliminary title reports for review.
- Processed payments from clients
- Handled customer complaints with relative ease by conducting research, listening carefully and taking appropriate action.
Mortgage Loan Officer
Mountain West Bank
Sanddpoint, ID
11.2006 - 01.2015
- 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.
- Fielded customer complaints and provided solutions.
- Oversaw scheduling of timely loan closing to satisfy home builder and borrower needs.
- Implemented sales strategies that established relationships with realtors and CPAs.
- Monitored pipelines to track and log status of loans.
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
- Proactively identified solutions for customers experiencing credit issues.
- Explained very technical financial information to applicants in easy to understand language.
- Handled customer complaints with relative ease by conducting research, listening carefully and taking appropriate action.
- Created strategies to develop and expand existing customer sales, resulting in increase in annual sales.
- Established plans and payoffs for customers' loans, prioritizing control of overall costs.
- Assisted clients with improving financial health by counseling on issues such as excessive spending and borrowing.
- Supervised loan personnel and motivated to maintain customer service and performance standards.
Teller, Assistant to Pres., Cons LO, Mtg Loan Ofcr
Panhandle State Bank
Sandpoint, ID
08.1986 - 11.2006
- Assisted manager in all aspects of business operations.
- Provided multifaceted services to career professionals by running errands, managing mail, scheduling appointments and arranging transportation.
- Participated in strategic planning for company growth.
- Communicated proactively with supervisors, immediately explained issues and teamed on appropriate solutions.
- Managed travel arrangements for departmental executives.
- Answered incoming calls, processed requests and relayed messages to appropriate personnel.
- Assisted in marketing efforts by identifying prospects and cold calling to induce sales.
- Promoted sales by acquiring product knowledge and providing product solutions to customers.
- Managed and completed paperwork and overall office administration operations.
- Enhanced efficiency of Administrative Assistant, work by organizing resources, records and personnel to accomplish demanding targets.
- Worked closely with manager to provide effective assistance for specific aspects of business operation.
- Processed customer transactions promptly, minimizing wait times.
- Recorded expenses and maintained accounting records.
- Answered multi-line phone system, routing calls, delivering messages to staff and greeting visitors.
- Drafted agendas, recorded minutes and created documents for meetings.
- Attended to office operations and required paperwork.
- Sorted, opened and routed incoming correspondence and deliveries to help senior leaders respond quickly to business and customer requirements.
- Identified sales opportunities and referred customers to branch partners in financial services.
- Answered telephone inquiries on checking and savings accounts, loans and lines of credit.
- Prepared packages for shipment, pickup and courier services for prompt delivery to customers.
- Created polished and error-free correspondence to meet organizational needs and enhance communication between stakeholders.
- Assisted customers with setting up or closing accounts, completing loan applications and signing up for new services.
- Greeted guests in with friendliness and professionalism.
- Stocked supplies for customers and personal teller station.
- Provided accurate and effective product solutions to customers and promoted sales.
- Answered customer inquiries regarding account balances, transaction history, services charges and interest rates.
- Produced highly accurate internal and external letters and memoranda.
- Supported efficient meetings by organizing spaces and materials, documenting discussions and distributing meeting notes.
- Transferred and directed phone calls, guests and mail to correct staff members.
- Recognized needs and referred to appropriate representative or line of business for cross-sell or service opportunities.
- Managed inventory, placed orders and handled payment for office supplies.
- Learned about customer's financial needs, established trust and optimized sales opportunities resulting in quality customer service.
- Delivered top-notch administrative support to office staff, promoting excellence in office operations.
- Restocked supplies and placed purchase orders to maintain adequate stock levels.
Education
Sandpoint Sr. High School
Sandpoint, IDSkills
- Closing Documentation
- Digital Applications
- Financial Data Collection
- Credit Bureau Contact
- Customer Satisfaction
- Loan Information Recording
- Desktop Underwriter
- Contacting Borrowers
- Document Uploading
- Loan Paperwork
- Program Requirements
- Personal Reference Verification
Timeline
Mortgage Loan Officer Assistant
Evergreen Home Loans
07.2016 - Current
Escrow Officer
Panhandle Escrow Co., Inc.
03.2015 - 07.2016
Mortgage Loan Officer
Mountain West Bank
11.2006 - 01.2015
Teller, Assistant to Pres., Cons LO, Mtg Loan Ofcr
Panhandle State Bank
08.1986 - 11.2006
Sandpoint Sr. High School
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