Kim Talley
San Diego,CA
Summary
Results-driven professional in residential and commercial mortgage lending with extensive experience in sales, customer service, and operations management. Skilled in navigating complex financial documents and ensuring compliance with regulatory standards. Committed to fostering team collaboration and improving efficiency while maintaining accuracy.
Overview
14
14
years of professional experience
Work History
Mortgage Specialist
Wheelhouse Credit Union
03.2025 - Current
- Educated clients on mortgage options and guided them through application processes.
- Analyzed client financials to determine eligibility for mortgage products.
- Developed and maintained relationships with real estate agents and brokers to generate referrals.
- Created profitable and efficient solutions.
- Provided training and mentorship to junior team members on best practices in mortgage processing.
- Provided comprehensive financial guidance to clients, recommending suitable mortgage products based on their needs and goals.
Senior Loan Processor
Flat Branch Home Loans
10.2023 - 08.2024
- Conducted initial reviews of potential borrowers by examining applications and credit histories, verifying details for accuracy and compliance with documentation requirements
- Reviewed loan contracts, rules, and regulations, ensuring all parties remained informed about loan status throughout the process
- Identified client needs and utilized knowledge of various loan types to effectively cross-sell products and services
- Established strong relationships with lenders, title companies, and borrowers for smooth loan transactions.
Scholarship Administration Specialist
Childcare and Parent Services
12.2022 - 10.2023
- Planned and implemented scholarship outreach events to increase awareness of available services
- Requested supporting documentation and handled verification activities by reviewing paperwork and background checks to recommend approval
- Coordinated interviews with applicants for childcare support to assess eligibility for various programs
- Delivered customer service to clients by liaising with childcare service providers and family service centers
- State of Georgia
Senior Loan Processor
LeaderOne Financial Corporation
06.2020 - 09.2022
- Discussed loan needs and financial background with clients, clarifying requirements for loan application processes to enhance understanding and facilitate applications
- Collected, reviewed, and verified initial client documentation, including income and credit history, to determine optimal loan structure and submit comprehensive package to client
- Collaborated with loan officer and underwriting teams, ensuring timely and accurate processing of loans to meet client deadlines
- Provided client services by discussing loan needs and financial background and clarifying on requirements of loan application processes
Transaction Manager
Citadel Servicing Corporation
02.2019 - 04.2020
- Processed non-conforming residential and commercial mortgage applications, negotiating between buyers and sellers to facilitate successful transaction closings
- Collaborated with mortgage brokers, processors, borrowers, service providers, and account executives to promptly address requests, needs, and concerns
- Completed loan documentations to comply with established real estate laws and regulations and recorded them properly.
Senior Loan Processor
Caliber Home Loans
03.2013 - 09.2018
- Streamlined processes to enhance operational efficiency in loan processing.
- Identified and resolved potential application issues prior to submission for approval.
- Improved operational efficiency by implementing streamlined processes.
- Coordinated training for loan processors on industry developments and compliance requirements.s.s.
Education
High School Diploma -
Academy of Our Lady of Peace
San Diego, CASkills
- Loan processing
- Credit evaluation
- Loan compliance
- Document management
- Attention to detail
- Time management
- Organizational skills
- Customer service
- Communication
- Adaptability to change
Timeline
Mortgage Specialist
Wheelhouse Credit Union
03.2025 - Current
Senior Loan Processor
Flat Branch Home Loans
10.2023 - 08.2024
Scholarship Administration Specialist
Childcare and Parent Services
12.2022 - 10.2023
Senior Loan Processor
LeaderOne Financial Corporation
06.2020 - 09.2022
Transaction Manager
Citadel Servicing Corporation
02.2019 - 04.2020
Senior Loan Processor
Caliber Home Loans
03.2013 - 09.2018
High School Diploma -
Academy of Our Lady of Peace