Kristina Kukurudza
Fairport,NY
Summary
Dynamic Senior Mortgage Loan Officer with extensive experience at JPMorgan Chase, excelling in loan origination and risk assessment. Proven track record of enhancing efficiency and client satisfaction through innovative solutions and strong communication skills. Successfully increased loan production by cultivating relationships with real estate professionals, ensuring clients receive tailored financing options.
Overview
27
27
years of professional experience
Work History
Senior Mortgage Loan Officer
JPMorgan Chase
Rochester, NY
03.2019 - Current
- Analyzed borrower financials to determine eligibility for mortgage products.
- Guided clients through loan application process, ensuring clear communication and understanding.
- Developed customized mortgage solutions that aligned with client needs and financial goals.
- Collaborated with underwriting teams to expedite loan approvals and resolve issues swiftly.
- Implemented process improvements that enhanced efficiency in loan processing workflows.
- Mentored junior loan officers on best practices in customer service and compliance standards.
- Conducted market research to stay updated on industry trends and competitive offerings.
- Cultivated relationships with real estate professionals to generate referral business opportunities.
- Delivered engaging presentations at homebuyer seminars to educate potential clients on the home buying process and available financing options.
- Maintained compliance with federal regulations and company policies during all stages of the mortgage process.
- Consistently met or exceeded sales targets by establishing a strong professional network within the local community.
- Provided exceptional customer service throughout the loan process by addressing questions and concerns promptly.
- Assisted clients throughout the entire mortgage process, from initial application to closing, ensuring a positive customer experience.
- Regularly reviewed and updated loan pricing to maintain competitiveness in the marketplace and maximize profitability for the company.
- Implemented marketing strategies to expand client base and increase loan volume.
- Analyzed applicant financial status, credit, and property evaluations to determine feasibility of granting loans.
- Assisted in the development of junior loan officers through mentoring and coaching sessions, improving overall team performance.
- Managed pipeline of mortgage applications for timely processing and closing, resulting in satisfied clients.
- Contributed to departmental growth by identifying opportunities for improvement and recommending solutions based on industry best practices.
- Educated clients on various loan products available to them, ensuring they made informed decisions regarding their financing options.
- Participated in industry events to stay current on trends and changes within the mortgage lending landscape.
- Increased loan production by developing and maintaining strong relationships with realtors, builders, and other referral sources.
- Collaborated with underwriters, processors, and closers to ensure a seamless loan process for clients.
- Processed loan applications and monitored progress from start to finish.
Senior Mortgage Loan Officer
Key Bank
Rochester, NY
07.2017 - 02.2019
- Streamlined processes within the department by implementing new technologies that increased efficiency in the workplace.
- Worked closely with processors to resolve any issues that arose during application review or underwriting stage, minimizing delays in closing timescales.
- Conducted thorough pre-qualification analyses to match potential borrowers with appropriate loan products for their needs.
- Negotiated favorable terms for borrowers by leveraging extensive knowledge of lending guidelines and risk factors.
- Processed loan applications and monitored progress from start to finish.
- Collaborated with underwriters, processors, and closers to ensure a seamless loan process for clients.
- Increased loan production by developing and maintaining strong relationships with realtors, builders, and other referral sources.
Senior Mortgage Loan Officer
Bank of America
Rochester, NY
08.2014 - 06.2017
- Prepared comprehensive loan files that included detailed documentation needed for underwriting approval.
- Maintained high level of customer satisfaction by providing prompt and accurate loan status updates.
- Communicated with clients, processing teams and other third parties to achieve prompt loan closings.
- Assisted clients in selecting correct loan product and terms to meet needs and financial goals.
Senior Mortgage Loan Officer
Wells Fargo
Rochester, NY
03.2004 - 07.2014
- Analyzed loan applications and credit reports to determine loan eligibility and risk level.
- Followed up with clients on missing loan documents, providing guidance on best way to complete application process.
- Worked with underwriters to fix application problems and resolve issues.
- Checked loan documents for accuracy prior to closing.
Mortgage Consultant
Mortgage IT, Inc. Dba Deutsche Bank
Rochester, NY
07.1999 - 02.2004
Skills
- Loan origination expertise
- Communication and interpersonal skills
- Risk assessment
- Credit analysis proficiency
- Regulatory compliance
- Financial analysis aptitude
- Documentation verification
Timeline
Senior Mortgage Loan Officer
JPMorgan Chase
03.2019 - Current
Senior Mortgage Loan Officer
Key Bank
07.2017 - 02.2019
Senior Mortgage Loan Officer
Bank of America
08.2014 - 06.2017
Senior Mortgage Loan Officer
Wells Fargo
03.2004 - 07.2014
Mortgage Consultant
Mortgage IT, Inc. Dba Deutsche Bank
07.1999 - 02.2004