KATHRYN FLETCHER
Third Federal Savings and Loan
Naples,FL
1
Certification
11
years of professional experience
Customer-focused finance professional with experience in retail banking, consumer lending, mortgage processing, fixed annuity support, client relationship management, and operational compliance. Skilled at identifying client needs, explaining financial products clearly, maintaining accurate pipelines, and collaborating with internal and external partners to deliver efficient, compliant service.
Work History
Customer Service Representative IV / Fixed Annuity Counselor / Loan Officer
1 Year 2 Months- Assist customers with product selection by providing clear, detailed information about available banking, lending, and annuity products and services.
- Maintain current knowledge of products, services, pricing, and promotional offerings to support accurate client guidance.
- Updated knowledge of products, services, pricing, and promotional offerings to ensure accurate client guidance.
- Collaborate with internal teams and external partners to streamline annuity product support and improve client experience.
- Analyze and collect customer information to prepare product reports and support informed recommendations.
- Cultivated strong client relationships, leading to increased annuity sales, higher retention rates, and enhanced client satisfaction.
- Coordinated with internal teams and external partners to streamline annuity product support, enhancing client experience.
- Processed account transactions with accuracy, ensuring compliance with banking regulations.
Relationship Banker
4 Months- Built and deepened relationships with current and prospective clients by identifying financial needs and connecting them with tailored banking, lending, and investment solutions.
- Partnered with business, lending, and investment specialists to align client goals with strategic financial solutions, contributing to financial center growth.
- Delivered positive client experiences through effective appointment management, proactive outreach, lobby leadership, and timely follow-up.
- Maintain operational excellence by following established processes, complying with applicable laws and regulations, and accurately managing cash responsibilities.
Consumer Loan Specialist
4 Months- Cultivated new client relationships and strengthened existing ones throughout consumer loan process to enhance client satisfaction.
- Managed key stages of the loan lifecycle, including solicitations, documentation, servicing support, and collections activity.
- Applied underwriting policies, procedures, and compliance requirements to support accurate and responsible lending decisions.
- Developed new client relationships and maintained existing relationships throughout the consumer loan process.
- Supported branch operations by facilitating daily tasks and delivering exceptional client service.
Senior Mortgage Loan Processor
7 Years 1 Month- Processed conventional, FHA, and VA refinance and purchase loans, including new construction purchase transactions.
- Prepared complete loan submission packages, cleared title conditions, and balanced loan files with settlement documentation to ensure accuracy before final Closing Disclosure.
- Reviewed daily reports to identify and resolve priority issues promptly, enhancing efficiency throughout the loan pipeline.
- Collaborated daily with underwriters, closers, compliance teams, rate lock desk, title companies, insurance companies, and financial institutions to support timely, seamless closings.
- Managed disclosures and signature collection through DocuSign and wet-signature processes while maintaining privacy and security compliance.
- Collaborated with underwriters, closers, compliance teams, rate lock desk, title companies, insurance companies, and financial institutions to facilitate timely, seamless closings.
- Processed mortgage loan applications accurately and successfully for over 15 years.
Skills
Mortgage Loan Processing
Fixed Annuity Sales and Support
Consumer Lending
Financial Product Knowledge
Client Relationship Management
Customer Needs Assessment
Document review
Compliance Awareness
Process Improvement
Problem Solving
Analytical Thinking
Microsoft Office
Team training
Interpersonal Communication
Proactive Engagement
Certification
- 0214-Life & Variable Contracts Insurance Agent-License# G311588
- Florida Notary Public
- NMLS# 1023212
Timeline
Customer Service Representative IV / Fixed Annuity Counselor / Loan Officer
Third Federal Savings and Loan
06.2025 - CurrentRead More
Relationship Banker
Bank of America
07.2023 - 11.2023Read More
Consumer Loan Specialist
One Main Financial
07.2023 - 11.2023Read More
Senior Mortgage Loan Processor
Goodleap LLC
12.2015 - 01.2023Read More