KAREN SMITH

Strengthens client relationships by providing personalized banking solutions and excellent customer service

Maintains up-to-date knowledge of banking products and industry trends through training to provide expert advice to clients effectively

Contributes to achieving organizational goals by offering products and services while focusing on developing, expanding, and retaining relationships through partner referrals

Engages in proficiency with client account openings and maintenance, problem resolution, and digital solutions

Educates clients on consumer lending options and solutions

Dedicated to optimal client experiences by collaborating on branch responsibilities, conducting monetary transactions, and client engagement

Lead new department and trained new employees regarding tolerance cure processing and signed loan closing package completeness

Confirmed flood, tax and homeowners policies are set-up in escrow in accordance with federal guidelines

Supervised and reviewed Final CD for cure compliance and requested check reimbursements from Accounting

Communicated with Loan Processors and Closers regarding discrepancies and re-disclosures

Volunteered for new assignments and tasks to accommodate organization needs

Developed comprehensive knowledge of federal and state regulations governing mortgage lending, ensuring all audits were conducted in accordance with applicable guidelines

Communicated effectively with parties involved in loan process Tracked supportive borrower loan documentation to include tax receipts, homeowner and flood insurance policies

Calculated cures, completed and reviewed escrow conditions for Closing Disclosure issued to borrowers for timely review and acknowledgement

Annotated files regarding any trailing documentation required for follow-up

Processed a rotating pipeline of 40 or more HELOCs, Purchases and Equity loan applications and monitored progress from application to funding and post-closing

Supervised timely and accurate processing of loan applications, maintaining a high level of customer service.

Tested new loan origination software to streamline processes and improve overall efficiency within the department

Collaborated with underwriting team to expedite the approval process for qualified applicants, reducing processing times and increasing efficiency and customer satisfaction

Compliant with industry regulations by staying informed on changing guidelines and implementing necessary updates within internal processes

Compiled closing packages for presentation accuracy.

Maintained secure and compliant environment to confidentially process loan files while coordinating with buyers, sellers, title companies, attorneys, escrow agents, surveyors and real estate agents