Kyle Johnson

• Originated loans and assisted senior-level credit officers with complex loan applications.
• Gathered and verified client debt, credit, and income information to determine loan eligibility and creditworthiness.
• Analyzed applicants' financial status, credit reports, and property evaluations to assess loan feasibility and risks.
• Assisted clients with loan applications and identified ideal mortgage options tailored to their financial needs.
• Developed and maintained relationships with local real estate agents and referral networks to locate new loan prospects.
• Assessed lending risks and implemented strategies to reduce loan defaults, ensuring compliance with lending regulations and market trends.
• Informed clients about loan application deadlines, approvals, and denials while educating them on strategies for debt repayment and credit improvement.
• Collaborated with internal teams to expedite the loan approval process and ensured accuracy in loan applications and documentation.
• Reviewed client documentation, resolved discrepancies, and approved or denied loan applications, providing clear explanations of decisions.
• Stayed updated on lending regulations, industry trends, and market rates to deliver valuable solutions for clients.

Data Analysis & Review: Assist with form review and data analysis to validate member eligibility and ensure completeness; perform data entry of applications and forms; and partner with subject matter experts to ensure quality control review of work. Carefully follow established processes and procedures to ensure efficiency and accuracy.
Research: Review and analyze member account information, member records, and resource materials as appropriate to complete inquiries.
Communication: Respond timely and professionally, both verbally and in writing, to members and/or employers if a form is required to be returned for corrections; prepare correspondence while adhering to high standards of written communication set by the CalSTRS Style Guide; and collaborate with other teams within the Service Retirement Division.
Projects: Assist Service Retirement staff and leadership team with special projects, as needed.

• Analyzed loan files, reviewed client income, assets, and credit to verify compliance with underwriting criteria and input new loans into designated software systems.
• Ordered, prepared, and verified documents to ensure timely loan closings in compliance with state, federal laws, and internal policies, minimizing last-minute issues.
• Maintained up-to-date knowledge of internal policies, procedures, and lending regulations, ensuring adherence to all applicable laws.
• Acted as a liaison between borrowers, realtors, title companies, and loan management to facilitate clear communication and efficient processing.
• Generated client estimates, sent pre-approval letters to agents, and verified employment documentation.
• Monitored purchase loans for due diligence, tracked pipeline for refinances, and ensured timely expiration of contingencies and closing dates.
• Scanned and uploaded loan documents into the system, maintained accurate and organized loan records.
• Contacted credit bureaus, employers, and other sources to verify applicants' credit and references.

• Picked up and delivered meals from local restaurants to residential and business locations, ensuring timely and accurate deliveries.
• Promoted positive customer service by resolving delivery issues quickly and professionally.
• Maintained clear communication with customers to enhance the overall food delivery experience.

• Promoted properties through advertisements, open houses, and networking, maintaining a database of prospective clients.
• Drafted buyer contracts and coordinated with listing agents, loan officers, and other stakeholders to facilitate smooth transactions.
• Researched and analyzed competitive market prices to ensure properties were listed effectively.
• Scheduled and conducted home viewings with potential buyers, delivering personalized real estate services to meet client needs.
• Expanded client base by identifying customer needs and providing relevant market insights and services.
• Advised clients on current market conditions, pricing strategies, and legal requirements to help them make informed decisions.
• Generated tailored property listings based on specific client preferences and requirements.

• Sorted and stored ice cream, food products, and supply deliveries, ensuring proper placement and preservation.
• Opened the store by preparing ingredients, equipment, and workstations for daily operations.
• Maintained food safety by storing items in freezers or refrigerators and regularly documenting temperatures in logbooks.
• Kept work areas organized, clean, and sanitized in compliance with company standards.
• Collaborated with a diverse team to meet goals and resolve service-related issues efficiently.

• Arranged and displayed kitchen cutlery to highlight new styles, attract customers, and drive sales.
• Promoted special deals and coupons to increase customer spending and boost sales volume.
• Engaged customers in friendly conversations to create a welcoming atmosphere and enhance the shopping experience.
• Networked with customers to generate referrals, leading to increased sales and new client acquisition.
• Managed orders and addressed customer inquiries in-person, via email, and over the phone to ensure high-quality customer service.
• Prepared and processed contracts and order forms for both new and existing customers.