Karen Kirtsos
MILLSBORO,Delaware
Summary
Proven leader and mortgage lending expert, I significantly enhanced loan processing efficiency and team collaboration at NVR Mortgage. With a dedicated work ethic and strong leadership abilities, I spearheaded initiatives that reduced errors and improved customer service, demonstrating exceptional time management and teamwork skills.
Overview
27
27
years of professional experience
Work History
Loan Processor Supervisor
NVR Mortgage
04.2019 - Current
- Skilled in Conventional, FHA, VA, DSHA , Investor loans.
- Reduced processing errors by providing thorough training and ongoing support to the loan processor team.
- Facilitated strong relationships between processors, underwriters, borrowers, and other stakeholders to ensure a smooth lending process for all parties involved.
- Managed escalations effectively, resolving issues quickly while maintaining positive relationships with both internal teams and external customers alike.
- Ensured regulatory compliance by staying updated on industry trends, changes in legislation, and adhering to company policies and procedures.
- Improved team collaboration through regular meetings, open communication channels, and clear expectations setting.
- Provided back-up support as needed during peak periods or absences within the team.
- Assisted in the recruitment, hiring, and onboarding of new loan processors to maintain appropriate staffing levels.
- Boosted staff performance by conducting regular performance reviews, identifying areas for improvement, and offering guidance on professional development opportunities.
Senior Mortgage Loan Processor
NVR Mortgage
07.2012 - 03.2019
- Collaborated with team members to meet monthly targets, contributing to the overall success of the department.
- Reduced turnaround time for mortgage approvals through effective communication with underwriters and loan officers.
- Increased productivity by implementing time-saving strategies such as standardized checklists and document templates.
- Promoted teamwork within the department by fostering an inclusive environment and encouraging open communication among colleagues.
- Contributed to the growth of the department by providing valuable input on ways to improve processes and client relationships.
- Handled any conditions sent from underwriting departments.
- Managed a large pipeline of loans, prioritizing tasks to ensure deadlines were met consistently.
- Mentored junior colleagues, offering guidance on best practices for managing workloads and meeting performance metrics.
- Provided comprehensive support to loan officers, ensuring they had all necessary information to make informed decisions on mortgage applications.
- Adapted quickly to changing market conditions, effectively adjusting workflow priorities based on fluctuating application volumes or regulatory shifts.
- Processed mortgage loan applications accurately and successfully for over 6 1/2 years.
Relationship Banker
BB&T Bank
01.2011 - 07.2012
- Achieved excellent customer satisfaction ratings by addressing concerns promptly and professionally, demonstrating empathy throughout interactions.
- Strengthened client relationships by providing personalized banking solutions and excellent customer service.
- Maintained up-to-date knowledge of banking products and industry trends to provide expert advice to clients effectively.
- Assisted customers in achieving financial goals by recommending suitable products and services based on their needs.
- Increased cross-selling success by proactively identifying client needs and suggesting appropriate financial solutions.
- Expanded client base through effective networking and referral generation, leading to increased business opportunities.
Senior Bank Teller
Bank of America
07.1997 - 12.2010
- Maintained a balanced cash drawer with meticulous attention to detail, ensuring accuracy in all transactions.
- Delivered exceptional customer service during high-volume periods, effectively managing wait times and workloads.
- Played a key role in achieving consistently high audit scores by adhering to strict compliance policies and procedures.
- Contributed to the achievement of branch goals by actively participating in cross-selling initiatives and referral programs.
- Increased sales of bank products by proactively identifying customer needs and offering tailored solutions.
Education
Bachelor of Science - Elementary Education
Salisbury University
Salisbury, MD12.2007
Associate of Arts - General Studies
Wor-Wic Community College
Salisbury, MD12.2000
Skills
- Loan Processing Proficiency
- Strong leadership abilities
- Dedicated Work Ethic
- Mortgage Underwriting Expertise
- Time management mastery
- Teamwork and Collaboration
- Customer Service
Timeline
Loan Processor Supervisor
NVR Mortgage
04.2019 - Current
Senior Mortgage Loan Processor
NVR Mortgage
07.2012 - 03.2019
Relationship Banker
BB&T Bank
01.2011 - 07.2012
Senior Bank Teller
Bank of America
07.1997 - 12.2010
Bachelor of Science - Elementary Education
Salisbury University
Associate of Arts - General Studies
Wor-Wic Community College
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