Kimberley Sullivan
Lewiston,ID
Summary
Experienced with real estate loan origination, delivering comprehensive financial solutions tailored to client needs. Utilizes in-depth knowledge of regulatory requirements to ensure compliant and efficient loan processes. Track record of fostering strong client relationships and facilitating successful transactions.
Overview
14
14
years of professional experience
Work History
REAL ESTATE LOAN OFFICER
Freedom Northwest Credit Union
08.2020 - 07.2025
- Educated first-time homebuyers on available financing options, empowering them to make informed decisions about their mortgage selections.
- Advance knowledge in clearing title issues so that various transactions could be completed.
- Managed a diverse portfolio of loans, monitoring progress towards closing dates and addressing any potential issues proactively.
- Disburse funds associated with recording/funding of Purchase and Refinance transactions.
- Negotiated loan terms and conditions with customers to secure best deal.
- Knowledge in preparing Real Estate documents and requirements along with proper Notary jurat and signature(s).
- Trained other employee’s on Business Verification practices for new accounts
- Trained other employees on UCC Filing and UCC Terminations in various states
- SBA PPP Loan Applications and Forgiveness tracking and reporting
- Construction Loan Draw preparer and disbursements, along with Lien Releases for various payments made
ESCROW OFFICER / ASSISTANT
Land Title of Nez Perce County
12.2019 - 03.2020
- Prepare Pre Closing Disclosure and Final Closing Disclosure & Settlement Statement based on Lenders and Purchase and Sale Agreement Instructions.
- Managed multiple escrow accounts simultaneously, balancing financial transactions and minimizing risk of errors.
- Prepared detailed settlement statements for each transaction, accurately reflecting funds received and disbursed.
- Collaborated with real estate agents and lenders to expedite closing times on property sales.
- Developed strong relationships with clients by providing exceptional service, earning repeat business and referrals.
- Knowledge in clearing title issues so that various transactions could be completed.
COMMERCIAL LOAN REVIEWER
P1FCU
05.2017 - 11.2019
- Managed workload effectively, prioritizing high-risk loans for immediate attention while maintaining overall quality standards across all assigned reviews.
- Perform ongoing portfolio management, including annual reviews and monitoring.
- Contributed to risk management initiatives by carefully analyzing trends in borrower behavior and recommending adjustments to lending policies as needed.
- Monitor and document that property tax is paid on any commercial real estate that is collateral in business portfolio
- Maintained strict adherence to federal and state regulations governing real estate lending, ensuring full compliance with all applicable laws.
- Analyze credit data and financial statements for use to determination risk rating on business member relationships
- Evaluate customer records to determine earnings capacity, savings data, payment history, and purchase activity
- Monitor collateral value, coordinate collateral inspections and insure timely completion with property inspector
- Implement and maintain operational procedures to maximize efficiency and ensure proper documentation
- Respond to member and staff inquires on the phone or in person.
- Open and maintain commercial business accounts and obtain correct business entity documents.
BUSINESS SERVICE REPRESENTATIVE
P1FCU
05.2014 - 05.2017
- Efficiently and accurately complete loan documents for diverse commercial loan products.
- Process and analyze information for loan documents and commercial presentations. Includes OFAC verification, credit bureau reports, flood certification, EDR Reports, Title Commitments and verify that all disclosures are complete.
- Open and maintain commercial business accounts and obtain correct business entity documents.
- Cross sell business accounts products, including Visa/MasterCard credit cards, debit cards, Home banking, merchant services and loan products.
- Perform file monitoring. Includes Insurance, UCC Terminations / Renewals, Releases, Title Policy and recorded documents. Review for accuracy and completeness.
- Delivered outstanding customer service while managing high call volume and maintaining accuracy in data entry.
MORTGAGE LOAN CLOSER / ASSISTANT
P1FCU
11.2011 - 05.2014
- Managed a high volume of loans simultaneously, prioritizing tasks efficiently to meet deadlines consistently.
- Prepare loan closing instructions for Title Company and review HUD-1 Settlement Statement for accuracy.
- Review Mortgage file for complete documentation and ensure all credit union regulations and Federal Regulations are met.
- Coordinated post-closing activities such as disbursement of funds, recording deeds, and delivering final documentation to borrowers.
- Fund loans internally and with Title Company to facilitate closing / recording of transactions
- Provided comprehensive training to junior staff members on loan closing procedures and best practices.
- Provided highest level of service and support to customers, closing agents and realtors.
Education
Business Administration, Education
LEWIS CLARK STATE COLLEGE
Lewiston, ID01.1994
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PULLMAN HIGH SCHOOL
Pullman, WA01.1991
Skills
- Loan structuring and servicing
- Goal oriented
- Customer Service
- Title and Escrow Closing Experience
Timeline
REAL ESTATE LOAN OFFICER
Freedom Northwest Credit Union
08.2020 - 07.2025
ESCROW OFFICER / ASSISTANT
Land Title of Nez Perce County
12.2019 - 03.2020
COMMERCIAL LOAN REVIEWER
P1FCU
05.2017 - 11.2019
BUSINESS SERVICE REPRESENTATIVE
P1FCU
05.2014 - 05.2017
MORTGAGE LOAN CLOSER / ASSISTANT
P1FCU
11.2011 - 05.2014
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PULLMAN HIGH SCHOOL
Business Administration, Education
LEWIS CLARK STATE COLLEGE
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