Kristine E. Hartz
Akron,Ohio
Summary
A dedicated financial and title services professional with a solid background in customer service, credit lending and analyzing, with strong Real Estate underwriting and title insurance background. Experienced at building rapport and developing long-lasting, trusting relationships. Committed to excellence and detail.
Overview
24
24
years of professional experience
Work History
Curative Associate
Old Republic National Title Insurance Company
01.2011 - 03.2023
- Ability to foster, develop and maintain professional and collaborative working relationships
- Created solutions for customers to satisfy specific needs, quality and budget.
- Analyzed customer data to identify trends and anticipate customer needs.
- Ability to interact effectively and professionally with all levels of management, employees and customers by email, phone and in person
- Ability to prioritize and handle multiple projects
- Strong attention to detail and organizational skills
- Trained and mentored junior staff on customer service strategies and techniques.
- Work within the assigned turn times by department and customer Excelled in maintaining customer relations for company growth and return business
- Analyze borrower’s credit report to determine if file qualifies for Instant Title workflow
- Research public records to determine current vesting, open lien, and tax information.
- Prioritized tasks to meet tight deadlines, pitching in to assist others with project duties.
Assistant Finance Manager
MOTOR CAR CREDIT
01.2009 - 01.2011
- Reviewed accuracy of credit applications submitted for approval through documentation and personal credit interviews
- Prepared loan documents in accordance with federal guidelines and dealership policies
- Maintained a two-million-dollar collection portfolio, averaging 6.3% delinquency ratio exceeding company goal of 9.99%
- Excelled in maintaining customer relations for company growth and return business
- Supported operations management, sales, and marketing efforts to increase revenue and overall financial health.
Loan Officer
NORTH COAST CAPITAL FUNDING
01.2008 - 01.2009
- Originated mortgages for home purchases, refinance, and new home construction
- Structured loan programs tailored to match the needs of individual clients
- Pre-qualified applicants by analyzing tax returns, W-2, property appraisals, and title reports prior to submission to appropriate lender for approval.
- Developed strong relationships with customers through high levels of customer service.
- Assisted customers in understanding loan terms and conditions to make informed decisions.
- Maintained strict confidentiality of bank records and client information.
- Negotiated loan terms to provide favorable outcomes for both customers and lenders.
Branch Manager
CITIFINANCIAL
01.1999 - 01.2008
- Created business plans targeting new and existing accounts for sustainable growth
- Created strategies to develop and expand existing customer sales, resulting in increase in annual sales.
- Maintained $20 million dollar branch portfolio
- Consistently improved 30/60/90+ delinquency a combined average of 3% every year
- Managed and coached staff of 5-15
- Responsible for assigned delinquent accounts to pursue for resolution
- Generated new and repeat sources of mortgage and personal loan business by recognizing financial needs of customers and recommending appropriate solutions
- Recognized and pursued cross-selling opportunities
- Prepared loan documents and performed closings
- Enhanced branch production rates by handling staff conflicts, evaluations, hiring, and termination processes and coaching employees on company protocol and payroll operations.
- Generated financial and operational reports to assist management with business strategy.
- Examined customer loan applications for loan approvals and denials.
- Reduced process bottlenecks by training and coaching employees on practices, procedures, and performance strategies.
Education
Firestone High School
Skills
- Microsoft Outlook
- Work Planning and Prioritization
- Attention to Detail
- Adobe Systems Adobe Acrobat
- New Hire Training
- Customer Relationship Management
- Computer Proficiency and Microsoft Office
- Time Management
- Microsoft Office
- Adaptable and Flexible
- Strong Communication and Interpersonal Skills
- Multiple Priorities Management
Timeline
Curative Associate
Old Republic National Title Insurance Company
01.2011 - 03.2023
Assistant Finance Manager
MOTOR CAR CREDIT
01.2009 - 01.2011
Loan Officer
NORTH COAST CAPITAL FUNDING
01.2008 - 01.2009
Branch Manager
CITIFINANCIAL
01.1999 - 01.2008
Firestone High School
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