Linda Hardy
Auburn,WA
Summary
Finance professional well-versed in loan processing and documentation. Committed to ensuring accuracy and compliance in all financial transactions. Known for collaborative teamwork and adaptability to shifting priorities. Proficient in financial software and customer service.
Overview
13
13
years of professional experience
Work History
Loan Clerk, Loan Processor, Notary Public
Merced School Employees Federal Credit Union
05.1985 - 11.1990
- Facilitated training sessions for new hires to familiarize them with company procedures, software systems, and best practices in loan origination processes.
- Researched information provided by customer concerning employment, collateral and account details.
- Prepared appraisals and tax forms to accompany loan applications.
- Streamlined operations by maintaining an organized system for managing loan applications and supporting documents.
- Utilized strong communication skills to liaise with various departments, enhancing overall efficiency and operational effectiveness.
- Assisted in achieving lending goals by proactively identifying potential issues and recommending solutions to management.
- Maintained correspondence and completed forms related to loans and closings.
- Expedited decision-making by providing concise summaries of credit reports for underwriters'' review.
- Strengthened relationships with clients by delivering excellent customer service throughout the loan process.
- Coordinated appraisal assignments with appraisers as well as tracking progress toward completion dates.
- Facilitated smooth communication between borrowers, lenders, and other stakeholders involved in the lending process.
- Ensured compliance with federal, state, and company regulations by staying current on industry trends and best practices.
- Scheduled and conducted mortgage closings.
- Demonstrated attention to detail by accurately entering borrower information into the database, minimizing data entry errors.
- Balanced multiple priorities effectively while managing a diverse portfolio of loans at various stages in their lifecycle.
- Conducted quality assurance reviews on completed applications before submission to ensure accurate information was presented.
- Contributed to reducing closing times for approved loans by diligently following up on missing or incomplete documentation from clients or third parties.
- Delivered excellent customer service and answered questions from borrowers throughout loan process.
- Supported the sales team''s efforts to meet monthly targets by efficiently processing a high volume of loans.
- Improved loan processing efficiency by meticulously reviewing and verifying loan documentation.
- Established credit limits and granted credit extensions according to bank policy.
- Entered customer and loan information into Type database.
- Maintained confidentiality of sensitive client information while adhering to strict privacy policies and procedures in place at the company.
- Interviewed borrowers to verify financial and personal information submitted on loan applications.
- Assisted in the preparation of monthly management reports by compiling loan statistics and performance data for review.
- Collaborated with underwriters to expedite the approval process for qualified applicants.
- Enhanced customer satisfaction by providing timely updates on loan status and addressing inquiries promptly.
- Reduced errors in loan files by thoroughly checking all documents for accuracy and completeness.
- Set up files using loan officer checklist and submitted on-time for processing.
- Answered inquiries and provided superior customer service to clients.
- Supported loan processing by compiling applicant documentation such as credit reports, employment verifications, and financial history paperwork.
- Communicated with customers daily to request information and complete paperwork.
- Assembled important paperwork and disclosures for borrower.
- Assisted in resolving customer complaints, following procedures to find mutually beneficial solutions.
- Monitored key dates to obtain information by deadlines.
- Liaised with clients to guide through loan closing process and skillfully handle any concerns.
- Cultivated productive relationships with clients, realtors, and title/escrow officers to increase profits and expand customer base.
- Verified credit histories, personal references and employment backgrounds for each applicant.
- Prepared loan documents and explained terms to clarify loan conditions and requirements with applicants.
- Calculated debt-to-income ratios to determine maximum loan amounts and avoid overextending applicants.
- Reviewed and validated details of loan applications and closing documentation.
- Stayed up to date on loan regulation changes, processing loan applications in compliance with current laws.
- Collected and compiled paperwork such as title abstracts, insurance paperwork, loan files and tax histories.
- Contacted customers via mail, telephone and email to relay acceptance or rejection of applications.
- Analyzed credit reports to assess risk and determine applicants' ability to repay loans.
- Set up, stored and updated customer files, department records and regulatory paperwork.
- Affirmed loan document accuracy to protect lenders from potential fraud.
- Communicated acceptance or rejection to applicants via mail, email, telephone or personal consultations.
- Provided professional advice on loan applications by interviewing applicants, reviewing applications and verifying information gathered.
- Liaised with credit bureaus, employers and other sources to check applicants' credit and personal references.
- Tracked loan status and updated applicant information to inform lenders of changes to applicants' financial situation.
- Confirmed applicants met lender requirements to repay loans by reviewing applications to determine eligibility.
- 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.
- Readied Truth-in-Lending Disclosures for loan applicants, delivering important information about loan APR and repayment terms.
- Calculated, reviewed and corrected errors on interest, principal and closing costs.
- Corroborated on-time payments and meeting of loan terms by assessing customer accounts.
- Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
- Ensured accuracy of client information, verifying data collected during the application process and updating records as needed.
- Assisted clients in understanding complex financial documents required for completing their loan applications successfully.
- Reviewed loan files for completeness, identified missing documentation, and generated condition lists for applicants.
- Set up and completed loan submission packages.
- Assisted loan officers with origination and closing processes to fastrack procedures and promote teamwork.
- Prepared documents for underwriting by verifying client income, credit reports, and other information.
- Promoted a positive work environment through effective communication skills and teamwork initiatives.
- Increased customer satisfaction with timely responses to inquiries and providing thorough explanations of loan processes.
- Managed multiple loans simultaneously ensuring timely completion of each task assigned without compromising on compliance or quality standards.
- Collaborated with other departments including sales, underwriting, legal teams for seamless coordination during the entire loan cycle process.
- Improved loan processing efficiency by streamlining documentation and communication procedures.
- Provided quick turnaround times to maintain fast-past schedule.
- Developed and maintained relationships with customers and loan officers to establish smooth loan process.
- Strengthened relationships with clients through consistent follow-up calls and personalized attention to their needs.
- Maintained compliance with federal, state, and company regulations through regular review of updated guidelines.
- Provided exceptional customer service by addressing borrower concerns and resolving issues in a timely manner.
- Analyzed credit reports to determine eligibility of applicants and capacity for loan products.
- Conducted credit analyses on applicants to assess risk levels prior to approval decisions.
- Handled any conditions sent from underwriting departments.
- Utilized loan origination software to process and track loan applications.
- Facilitated communication with loan applicants, underwriters and loan officers to optimize process and maintain updated information.
- Processed loans within various departments to achieve timely, accurate, and fair proceedings.
- Facilitated successful loan closings by coordinating with underwriters, title companies, and attorneys throughout the process.
- Prepared comprehensive reports to management detailing key performance indicators related to loans processed, approved, denied, or withdrawn.
- Enhanced team collaboration by sharing best practices and providing constructive feedback on colleagues'' work.
- Streamlined workflow processes for increased productivity within the team while maintaining high quality output.
- Coordinated closing process with attorneys, title companies, and government clerks.
- Reduced processing time for loan applications by implementing an organized filing system.
- Contributed to departmental goals by meeting or exceeding monthly quotas for loan approvals and fundings.
- Advised loan officers to comply with loan guidelines and apply best practices.
- Optimized loan processing workflows, enabling team to handle higher volume of applications without compromising quality.
- Improved customer satisfaction by providing timely updates and clear communication throughout loan application process.
- Reduced processing times, enabling faster loan disbursements by refining coordination between processing and underwriting teams.
- Streamlined loan processing system, significantly reducing processing times by implementing efficient documentation practices.
- Conducted periodic reviews of loan agreements to identify and rectify discrepancies.
- Negotiated terms with underwriters, achieving favorable loan conditions for clients.
- Enhanced loan application experience for customers by integrating user-friendly online application features.
- Reduced errors in loan documentation by introducing comprehensive checklist for loan processors.
- Facilitated training sessions for new staff on loan processing procedures, improving team efficiency and accuracy.
- Assisted clients in understanding complex loan agreements, ensuring clarity and transparency.
- Developed and maintained strong relationships with clients, resulting in increased repeat business.
- Maintained up-to-date knowledge of market trends, allowing for adjustment of loan offerings to meet customer needs effectively.
- Achieved high client satisfaction scores by resolving queries and concerns promptly.
- Collaborated with compliance department to stay updated on changing regulations, ensuring all processes remained compliant.
- Enhanced loan approval rates by meticulously reviewing and verifying applicants' financial information.
- Managed portfolio of loan applications, ensuring compliance with regulatory standards and minimizing financial discrepancies.
- Implemented digital filing system, enhancing security and accessibility of sensitive client information.
- Processed loan applications and monitored progress from start to finish.
- Evaluated loan requests and documents to verify accuracy and completeness.
- Monitored pipelines to track and log status of loans.
- Assisted customers with completing loan applications and other paperwork.
- Developed and maintained relationships with customers, lenders and other third parties.
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
- Analyzed potential risks and evaluated loan products to identify suitable options for customers.
- Approved loan applications based on customer creditworthiness and provided detailed financial advice.
- Negotiated loan terms and conditions with customers to secure best deal.
- Established plans and payoffs for customers' loans, prioritizing control of overall costs.
- Explained very technical financial information to applicants in easy to understand language.
- Compiled closing packages for drafting and presentation accuracy.
- Proactively identified solutions for customers experiencing credit issues.
- Assessed loan portfolios for compliance with underwriting policies.
- Supervised loan personnel and motivated to maintain customer service and performance standards.
- Identified opportunities to cross-sell and upsell loan products to customers.
- Researched and updated industry knowledge on changing legislation and regulations.
- Assisted clients with improving financial health by counseling on issues such as excessive spending and borrowing.
- Helped college students obtain financial aid through loan programs.
Cashier
Alpha Beta
01.1978 - 11.1985
- Greeted customers entering store and responded promptly to customer needs.
- Welcomed customers and helped determine their needs.
- Worked flexible schedule and extra shifts to meet business needs.
- Operated cash register for cash, check, and credit card transactions with excellent accuracy levels.
- Maintained a balanced cash drawer, ensuring accurate accounting at the end of each shift.
- Helped customers complete purchases, locate items, and join reward programs.
- Restocked and organized merchandise in front lanes.
- Assisted customers with returns, refunds and resolving transaction issues.
- Counted money in cash drawers at beginning and end of shifts to maintain accuracy.
- Stocked, tagged and displayed merchandise as required.
- Assisted customers with inquiries and provided exceptional service, resulting in positive feedback from shoppers.
- Resolved customer complaints professionally, leading to improved customer relations and loyalty.
- Handled multiple payment methods securely, minimizing discrepancies and potential losses.
- Answered questions about store policies and addressed customer concerns.
- Enhanced customer satisfaction by providing efficient and accurate cash transactions.
- Contributed to store success by maintaining high standards of cleanliness throughout the facility.
- Addressed customer needs and made product recommendations to increase sales.
- Mentored new employees on cashier duties and best practices, improving overall staff performance.
- Collaborated with team members to achieve sales targets and maintain a clean, well-stocked store environment.
- Adapted quickly to new technologies implemented at POS systems, ensuring seamless transition periods for both staff and customers.
- Streamlined checkout process for increased efficiency and reduced waiting times.
- Provided backup support for other departments when needed, showcasing versatility within the retail environment.
- Ensured compliance with company policies and procedures while processing transactions efficiently.
- Exceeded productivity goals through consistent attention to detail and organization during busy shifts.
- Promoted store promotions and incentive programs to increase overall sales revenue.
- Managed inventory levels effectively, reducing stock shortages and minimizing wastage.
- Developed rapport and fostered brand loyalty by offering personalized service.
- Facilitated positive shopping experience, greeted customers warmly upon entry.
- Contributed to significant decrease in queue times by streamlining checkout process.
- Enhanced shopping experience, provided product information and location assistance.
- Improved efficiency, organized checkout area for optimal workflow.
- Supported marketing initiatives by setting up and maintaining promotional displays.
- Improved store atmosphere with thorough and prompt cleaning of checkout area.
- Boosted team efficiency, shared best practices in cash handling and customer interaction.
- Ensured accuracy in financial transactions, reconciled cash with receipts daily.
- Managed cash drawer accurately, ensuring all transactions balanced at end of day.
- Enhanced customer loyalty by participating in rewards program enrollment.
- Implemented loss prevention strategies, reducing instances of theft at checkout.
- Fostered positive customer relations by resolving complaints and inquiries promptly.
- Assisted in inventory management, contributing to reduction in stock discrepancies.
- Enhanced customer service experience by efficiently processing purchases and returns.
- Increased sales of promotional items by informing customers about current offers.
- Reduced processing errors by meticulously following transaction procedures.
- Strengthened team morale and cooperation by assisting coworkers during peak hours.
- Maintained up-to-date knowledge of store policies and procedures, ensuring compliance in all transactions.
- Facilitated smoother checkout process, trained new employees on POS systems.
- Contributed to clean and safe shopping environment, performed regular sanitation of checkout area.
- Performed cash, card, and check transactions to complete customer purchases.
- Operated cash register to record transactions accurately and efficiently.
- Handled cash with high accuracy and took care to check bills for fraud.
- Used POS system to enter orders, process payments and issue receipts.
- Learned duties for various positions and provided backup at key times.
- Worked with floor team and managers to meet wide range of customer needs.
- Responded promptly to requests for assistance, spills and customer inquiries.
- Processed refunds and exchanges in accordance with company policy.
- Reconciled cash drawer at start and end of each shift, accounting for errors, and resolving discrepancies.
- Maintained current knowledge of store promotions and highlighted sales to customers.
- Encouraged customers to make additional purchases by highlighting current deals and keeping lane well-stocked.
- Set up new sales displays each week with fresh merchandise.
- Conducted inventory counts by adding each item in stock and documenting in computer system.
- Demonstrated product features, answered questions and redirected objections to highlight positive aspects.
Education
Liberal Arts -
Merced Community College
Merced, CA06.1977
Skills
I worked for the State of Washington for Department of Corrections, and I have done probation and Presentencing Investigations I also picked up the Discovery paperwork from the Courts to prepare the PSI's I also delivered the paperwork to the Judges, Prosecutors and the Defense Attorney's offices I had to copy very confidential documents from the court to the State Department to prepare the PSI documents for the upcoming court proceedings
- Loan processing
- Cash handling
- Document verification
- Documentation review
- Credit
- Loans
- Loan closing
- Report preparation
- Loan funding coordination
- Customer service
- Problem-solving
- Time management
- Attention to detail
- Multitasking
- Reliability
- Multitasking Abilities
- Excellent communication
- Critical thinking
- Organizational skills
- Team collaboration
- Customer communication
- Decision-making
- Verbal communication
- Relationship building
- Customer relations
- Mortgage loan processing
- Data entry
- Filing systems
- Information gathering
- Professionalism
- Interpersonal communication
- Employment verification
- Data collection
- Time management abilities
- Continuous improvement
- Adaptability
- Credit verification
- Loan application preparation
- Credit applications
- Records management
- Professional demeanor
- Legal documentation
Additional Information
I worked for the State Department of Retirement Services for teachers, judges etc. It was a one year program and after that I transferred to the Department of Corrections.
Timeline
Loan Clerk, Loan Processor, Notary Public
Merced School Employees Federal Credit Union
05.1985 - 11.1990
Cashier
Alpha Beta
01.1978 - 11.1985
Liberal Arts -
Merced Community College
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