Laurie Thomas
Creighton,MO
Summary
Dynamic Mortgage Loan Processor Assistant at Central Bank of Sedalia, adept at streamlining loan processing and enhancing customer satisfaction. Proven expertise in loan origination and regulatory compliance, while fostering collaboration and effective communication. Successfully improved turnaround times, contributing to a 20% increase in productivity through proactive problem-solving and organizational skills.
Overview
25
25
years of professional experience
Work History
Mortgage Loan Processor Assistant
Central Bank of Sedalia
05.2020 - 07.2023
- Handled sensitive client information discreetly while adhering to strict privacy protocols.
- Performed income calculations accurately, enabling timely underwriting decisions based on borrower qualifications.
- Collaborated with underwriters to ensure a smooth and efficient loan approval process, resulting in increased productivity.
- Contributed to team success by proactively identifying areas of improvement within the mortgage processing workflow.
- Streamlined mortgage loan processing by effectively managing documents and maintaining accurate records.
- Managed pipelines consistently, prioritizing tasks efficiently to meet tight deadlines without compromising quality or customer service levels.
- Assisted in the preparation of loan files for submission to underwriting, improving overall efficiency.
- Enhanced customer satisfaction by providing timely updates on loan application status and addressing inquiries.
- Supported senior Loan Processors by scheduling meetings, organizing paperwork, and tracking deadlines for multiple loans simultaneously.
- Facilitated clear communication channels among all stakeholders involved in the mortgage lending process.
- Prepared preliminary disclosures accurately, aiding borrowers in understanding their rights and responsibilities.
- Assisted in the closing process by verifying final loan documents, ensuring smooth transactions for all parties involved.
- Improved turnaround times by promptly requesting necessary documents from clients and keeping them informed of progress throughout the process.
- Served as liaison between borrowers, realtors, and lenders to foster strong relationships and enhance communication.
- Ensured accuracy of data entry into various systems to maintain precise information for decision-making processes.
- Checked credit reports for accuracy and identified any discrepancies or issues that could affect the loan application process.
- Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
- Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
- Prepared file for final clear-to-close by branch management.
- Communicated with originator and applicant concerning progress of loan file.
- Set up and completed loan submission packages.
- Processed mortgage loan applications accurately and successfully for over Number years.
- Upheld complete confidentiality of all submitted information according to release guidelines.
- Coordinated closing process with attorneys, title companies, and government clerks.
- Prepared loan documents and explained terms to clarify loan conditions and requirements with applicants.
- Reviewed and validated details of loan applications and closing documentation.
- Collected and compiled paperwork such as title abstracts, insurance paperwork, loan files and tax histories.
- Affirmed loan document accuracy to protect lenders from potential fraud.
- Set up, stored and updated customer files, department records and regulatory paperwork.
- Provided professional advice on loan applications by interviewing applicants, reviewing applications and verifying information gathered.
- Communicated acceptance or rejection to applicants via mail, email, telephone or personal consultations.
- Consulted with outside vendors to identify and resolve loan closing issues.
- Interviewed loan applicants to obtain personal and financial data to assist in completing applications.
Branch Manager
Sherwood Community Bank
04.1998 - 08.2019
- Continuously monitored branch performance against key performance indicators, taking corrective actions as needed to ensure objectives were met or exceeded.
- Maintained friendly and professional customer interactions.
- Improved customer satisfaction ratings by enhancing service quality and resolving client issues promptly.
- Oversaw daily operations for streamlined efficiency, ensuring timely execution of tasks and optimal resource allocation.
- Implemented effective sales strategies to achieve branch targets and exceed expectations consistently.
- Evaluated employee performance regularly through appraisals and feedback sessions to facilitate continuous development of skills and knowledge base within the team.
- Strengthened relationships with key clients, securing long-term partnerships and driving revenue growth.
- Collaborated with senior leadership on strategic planning initiatives to align branch objectives with corporate goals.
- Managed branch financials including budgeting, forecasting, and expense tracking for accurate reporting and decision-making support.
- Interviewed and hired talented individuals with top-level strengths, improving organizational talent, and skill set.
- Increased branch profitability by implementing cost-saving measures and streamlining operational processes.
- Enhanced branch production rates by handling staff conflicts, evaluations, hiring, and termination processes and coaching employees on company protocol and payroll operations.
- Met deadlines by proactively managing individual and team tasks and streamlining processes.
- Developed a high-performing team through targeted recruitment, training, and performance management initiatives.
- Enhanced staff competency with regular training sessions, boosting productivity levels across the branch operations.
- Reduced employee turnover by fostering a positive work environment and offering competitive compensation packages.
- Complied with regulatory guidelines and requirements.
- Ensured regulatory compliance through diligent adherence to industry standards, guidelines, and company policies.
- Consulted customers to boost product sales and services.
- Examined customer loan applications for loan approvals and denials.
- Monitored market trends to identify new business opportunities and capitalize on potential growth areas within the community or region served.
- Optimized branch inventory management practices for improved product availability and reduced stock obsolescence costs.
- Coordinated marketing campaigns tailored towards target audience segments resulting in increased brand awareness within the local community.
- Utilized data-driven insights to make informed decisions regarding staffing levels during peak seasons thereby maintaining smooth functioning of branch operations.
- Submitted loan applications to underwriter for verification and recommendation.
- Implemented risk management strategies to minimize potential losses while maintaining a healthy balance between risk and return on investments.
- Drove cross-selling efforts by collaborating with various departments within the organization to maximize revenues from existing clients.
- Streamlined loan processing procedures, significantly reducing approval times and improving customer experience.
- Developed and led team of financial advisors, enhancing their skills with comprehensive training programs.
- Implemented rigorous risk management protocols, safeguarding against potential financial threats.
- Created and executed marketing strategies, increasing brand awareness and attracting new customers.
- Ensured exceptional customer service, resolving issues swiftly to maintain trust and satisfaction.
- Boosted branch revenue by strategically analyzing market trends and aligning financial products to customer needs.
- Negotiated with vendors to secure cost-effective solutions for branch operations, significantly lowering overhead costs.
- Coordinated with IT department to enhance cybersecurity measures, protecting customer data and transactions.
- Directed recruitment and onboarding efforts, assembling high-performing team committed to achieving branch objectives.
- Oversaw daily branch operations, ensuring compliance with regulatory standards and maintaining operational integrity.
- Increased customer satisfaction with personalized banking solutions, tailoring services to meet individual financial goals.
- Pioneered adoption of mobile banking services, expanding customer access and convenience.
- Elevated staff morale and productivity by introducing system of rewards and recognition for outstanding performance.
- Enhanced branch visibility and market presence by orchestrating community engagement initiatives.
- Spearheaded community outreach programs, reinforcing branch's commitment to social responsibility and building community ties.
- Cultivated lasting relationships with high-value clients, securing their loyalty through exceptional service and advice.
- Facilitated seamless integration of new financial products, broadening portfolio offered to clients.
- Optimized operational efficiency by adopting cutting-edge banking technologies, resulting in smoother transaction processes.
- Conducted regular financial reviews and audits, identifying and resolving discrepancies promptly.
- Fostered culture of excellence and accountability, resulting in branch consistently exceeding performance targets.
- Complied with established internal controls and policies.
- Checked payroll, vendor payments, commissions and other accounting disbursements for accuracy and compliance.
- Analyzed business processes to identify cost savings and operational efficiencies.
- Developed strategic plans for day-to-day financial operations.
- Prepared cash flow projections, cost analysis and monthly, quarterly and annual reports.
- Established internal audit procedures to validate and improve accuracy of financial reporting.
- Performed banking, business administration and financial tasks to guarantee five-star service for clients.
- Reviewed historical records, current operational data and forecasting information to identify and capitalize on system enhancement opportunities.
- Implemented and regularly reviewed financial controls to generate accurate and reliable financial data.
- Prepared internal and regulatory financial reports, balance sheets and income statements.
- Established and checked coding procedures, monitored reports and updated internal files.
Education
Yes - General Studies
Sherwood Cass R-8
Creighton, MO05.1982
Certificate - Business Education
Clinton Vocational-Technical School
Clinton, Mo05.1982
Skills
- Loan processing proficiency
- Strong organizational skills
- Collaboration and teamwork
- Effective communication
- Fraud detection awareness
- Decision-making confidence
- Time management mastery
- Risk assessment
- Data entry efficiency
- Regulatory compliance awareness
- Closing procedures
- Loan origination
- Document review accuracy
- Processing procedures
- Generating reports
- Pipeline management
Timeline
Mortgage Loan Processor Assistant
Central Bank of Sedalia
05.2020 - 07.2023
Branch Manager
Sherwood Community Bank
04.1998 - 08.2019
Yes - General Studies
Sherwood Cass R-8
Certificate - Business Education
Clinton Vocational-Technical School
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