Kristy Fox
Havre,MT
Summary
Seasoned Mortgage Loan Officer with comprehensive understanding of loan origination, processing and underwriting procedures. Skilled in building strong relationships with clients to understand needs and provide appropriate financial solutions. Demonstrated track record in achieving lending goals while maintaining strict compliance with regulatory standards. I have strong interpersonal skills and strive to provide exceptional service throughout the process.
Overview
18
18
years of professional experience
Work History
Real Estate Loan Officer
Stockman Bank Of Montana
Havre, MT
09.2019 - Current
- Meet with applicants to obtain information for loan applications and answer questions about loan process.
- Conduct comprehensive financial analysis of potential borrowers' creditworthiness and ability to repay.
- Assess borrower needs and recommend appropriate products and services accordingly.
- Process loan applications from submission through closing, including ordering appraisals, title searches and other documentation as needed.
- Ensure that all documents are accurately completed prior to submitting them for approval.
- Approve or deny loan applications and explain reasoning behind decisions.
- Maintain up-to-date knowledge of loan products, industry standards, and best practices.
- Develop and execute sales targets to align with production objectives.
- Ensure compliance with federal and state lending regulations.
- Attend networking events to build referral sources and promote services.
- Utilize CRM systems to effectively manage client interactions and follow-ups.
- Establish and nurture relationships with real estate agents and other industry professionals.
Mortgage Loan Officer
First Interstate Bank
Kalispell And Hamilton, MT
11.2014 - 08.2019
Home Mortgage Consultant
Wells Fargo
Havre, MT
05.2007 - 10.2014
Education
High School Diploma -
Havre High School
Havre, MT05-1988
Skills
- Communicates and collaborates effectively
- Self-starter
- Positive attitude
- Goal-oriented
- Team player
- Superior organizational skills
- Dedicated to providing high-quality customer service
- Strong work ethic
- Flexible
- Resourceful
- Strong ethics and confidentiality
References
References available upon request.
Timeline
Real Estate Loan Officer
Stockman Bank Of Montana
09.2019 - Current
Mortgage Loan Officer
First Interstate Bank
11.2014 - 08.2019
Home Mortgage Consultant
Wells Fargo
05.2007 - 10.2014
High School Diploma -
Havre High School