Kristen Burnett

• Monitored customer accounts throughout the life cycle of each loan transaction.
• Ensured compliance with all federal, state and local regulations related to mortgage lending.
• Conducted interviews with prospective clients to gather information regarding loan applications.
• Analyzed financial data obtained from customers including income, assets and liabilities to determine loan feasibility.
• Maintained current knowledge of secondary market trends, government programs and other available financing sources.
• Negotiated terms and conditions of loan agreements with borrowers.
• Reviewed appraisals to ensure accuracy and completeness prior to submission to underwriting department.
• Created reports summarizing activities such as originations, denials and delinquencies.
• Participated in team meetings, trainings conducted by management staff regarding updates on products, services offered by the company.
• Processed new loan applications in accordance with established guidelines.
• Attended industry events and seminars in order to stay abreast of changes in the mortgage banking industry.
• Interacted with title companies, attorneys, surveyors and other third parties involved in the loan process.
• Assessed customer financial status and credit worthiness to determine eligibility for mortgage loans.
• Educated customers on various aspects of mortgage financing options available.
• Developed and maintained relationships with local real estate agents.
• Guided applicants through the loan process, from application to closing.
• Utilized CRM systems to effectively manage client interactions and follow-ups.
• Analyzed applicant financial and credit status, evaluating assets and risk to determine loan feasibility.

• Reviewed individual employee performance to correct issues and enhance productivity.
• Monitored staff training and output to meet compliance, productivity and revenue goals.
• Provided input for performance reviews and identified areas for additional improvement.
• Managed largest branch in San Antonio region, achieving high customer satisfaction rates
• Enhanced financial performance metrics by networking to create successful and sustainable relationships.
• Analyzed applicant financial and credit status, evaluating assets and risk to determine loan feasibility.
• Supported sales team members to drive growth and development.
• Coached, developed and motivated team to achieve revenue goals.
• Established sales goals and strategies that contributed to increased growth in sales and profitability.
• Created presentation materials for sales, customer relations and management purposes.
• Evaluated employee progress and compliance while identifying areas for additional coaching by monitoring daily performance.
• Implemented creative sales and marketing strategies to assist sales team with reaching targets.
• Participated in special projects as assigned by upper management.
• Participated in special projects such as due diligence engagements or fraud investigations.
• Provided training to staff members on accounting principles, procedures, and best practices.

• Analyzed applicants' financial status, credit and property evaluation to determine feasibility of granting loan.
• Executed loan origination process, including ordering credit reports, appraisals and preliminary title reports.
• Educated customers on variety of loan products and available credit options to promote valuable decision-making.
• Determined appropriate rate locks, issuance of disclosures, overage and underage waivers and fee waivers.
• Reviewed loan agreements to verify completeness and accuracy according to applicable policies.
• Provided expert financial advice on mortgage and both educational and personal loans.
• Met with applicants to obtain information for loan applications and answer questions about processes.
• Performed daily maintenance of loan applicant database.
• Complied applications and paperwork and double-checked for accuracy.
• Developed and maintained relationships with local real estate agents.

• Originated loans and assisted senior-level credit officers with complex loan applications. Am able to evaluate a client for a variety of loan options, from Bond, USDA, VA, FHA & CONV.
• Performed daily maintenance of loan applicant database. Created daily follow ups to make sure all client are aware of their current loan status and next steps.
• Determined appropriate rate locks, issuance of disclosures, overage and underage waivers and fee waivers. Discussed in detail the loan estimate to the closing disclosure to make sure the numbers are what the client is expecting.
• Educated customers on variety of loan products and available credit options to promote valuable decision-making.
• Effectively managed more than 30 client relationships monthly.
• Executed loan origination process, including ordering credit reports, appraisals and preliminary title reports.
• Provided expert financial advice on mortgage and both educational and personal loans.
• Analyzed applicants' financial status, credit and property evaluation to determine feasibility of granting loan.
• Adhered to regulatory and company security and audit procedures.
• Maintained 85% client retention rate by making sure each client is well versed in the options in loans, rates & closing numbers to gain trust and their intent to proceed.
• Interviewed customers to determine reasons for delinquency, source of income and next pay date to build solutions for financial issues. Worked with my credit specialist to implement plans to get scores increased to increase purchasing power and approval.
• Loaded consumer loan applications into Encompas LOS program.
• Built productive relationships with Lennar Home Sales Consultants and Credit Repair analysts to continually develop new business.
• Maintained confidentiality of mortgage records and client information.
• Researched banking guidelines and statutory requirements to stay updated on new laws and applications.
• Delivered prompt, accurate and excellent customer service.

• Cultivated new realtor relationships using dynamic communication and negotiation skills.
• Analyzed applicants' financial status, credit and property evaluation to determine feasibility of granting loan.
• Provided expert financial advice on mortgage and both educational and personal loans.
• Performed daily maintenance of loan applicant database.
• Educated customers on variety of loan products and available credit options to promote valuable decision-making.
• Loaded consumer loan applications into Rocket program.
• Interviewed customers to determine reasons for delinquency, source of income and next pay date to build solutions for financial issues.
• Built relationships with realtors, branch sales personell to help grow and deliver mortgage updates and reviews.
• Partnered with different areas of the bank to leverage cross selling and additioanl lead sources. Met with the business banking, investment banking and outside vendors to increase sales numbers.
• Was on a pilot team for the new loan processing system to be able to help other co-workers and people in other areas trouble shoot and be able to orginate properly.
• Was preferred partner in the branch with my knowledge, willingness to help and be able to produce for my own sales goals and the branch monthly goals.

As a Chase Bank Relationship Banker, my main priority was to acquire, manage and retain retail banking relationships.  Using my financial knowledge to help advise clients different type of banking options by partnering with my preferred specialists.  I was able to build continuous relationships with my clients and build long trust in each of their financial aspects. I was able to obtain my Series 6, 63 and General Lines Health License.

• Managed branch operations, including sales, customer service, finances, and record keeping.
• Interviewed, hired, and developed team of 5-7.
• Boosted customer base, acquiring new customers and identifying needs to deliver relevant products.
• Planned and coordinated risk mitigation strategies to protect company assets. Reviewed past due accounts, made calls and set up times for client to resolve past due balances.
• Reviewed10-11 daily applications against established parameters to determine approval, rejection or modification requirements.
• Received Rookie of the Year award for my first year managing when my branch hit over 252% of Goal.
• Oversaw branch team with 2 customer service representatives and 4 Sales Account Executives and implemented training for all new employees.
• Worked with regulatory representatives to complete accurate filings and maintain compliance. Was responsible for daily, monthly and outside annual audits of the branch.
• Optimized staff productivity by managing inter-team conflict resolution, yearly performance reviews, hiring and terminating processes, training initiatives, scheduling, time and attendance and payroll.
• Resolved customer complaints to maintain high level of satisfaction.
• Analyzed applicants' financial status, credit and property evaluation to determine feasibility of granting loans.
• Reviewed and evaluated internal control systems, financial records, and accounting systems to ensure accuracy of information.
• Drafted reports summarizing audit results while highlighting any irregularities or inconsistencies found during the process.
• Maintained open communication with external auditors regarding coordination of audits.