LISA HAMMEN
Laurel,Montana
Summary
Self-motivated professional, highly proficient in developing creative solutions and implementing objective decision making. Maintains positive attitude and works hard to build and maintain great relationships. Solid organizational, communication, and time management skills. Loan officer with 19+ years in the financial industry. Provides excellent customer service throughout the loan origination process utilizing vast knowledge of loan products. Ready to help lead a team to achieve company goals.
Overview
19
19
years of professional experience
Work History
Remote Lender
Intrepid Credit Union
01.2022 - Current
- Analyze members financial status, credit and interviewed to determine feasibility in granting loan.
- Educate members on the variety of loan products and credit options.
- Submit loan applications to underwriter for verification and recommendations.
- Call on outbound dealership loans for product recommendations.
- Assist members with improving financial health by counseling on issues such as excessive spending and borrowing.
- Identify opportunities to cross-sell and upsell loan products to customers.
- Assist with revising of current loan procedures and creating new ones.
- Monitor online loan application que and distribute amongst lenders.
- Observe areas of training needed, suggest to manager and help train employees.
- Request feedback from other departments and look for ways to improve our department to work cohesively together.
- Currently working on training MHCU employees on policies, procedures and guidelines of ICU, as well as calculating taxes.
- Work with manager on reviewing new product opportunities, ideas on incentive plans, and giving feedback.
- Utilize Meridian Link, Episys, and Synergy.
- Work with CUNA and Route 66 products.
Loan Officer
Billings Federal Credit Union
01.2018 - 01.2022
- Top Sales Performer of Vehicle Warranties sold in 2020 and 2019
- Analyze applicants' financial status, credit, and property evaluation to determine loan feasibility.
- Offer payment protection plans, GAP, and warranties on loans.
- Meet loan goal and sales quota for protections.
- Provide expert financial advice on Home equity loans, auto, personal, and debt consolidations.
- Set up IRA's, checking, savings, and business accounts.
- Approve and deny loans and provide options to members on what to work towards to obtain approval.
- Maintain relationships with realtors, lenders at banks and credit unions and customers.
- Currently have relationships with Bank of Red Lodge, Yellowstone Bank, Stockman Bank, First Interstate Bank, Opportunity Bank, and realtors.
- Utilized Episys, Meridian Link, and Synergy. Worked with CUNA for Warranty, GAP and Debt Protection.
Office Manager
Crescent Electric Supply
05.2017 - 12.2018
- Manage an office of 20+ employees.
- Assist in conference calls, budget and marketing, planning, payroll and HR duties.
- Analyze consumer needs; investigate customer complaints and make sure they are resolved in a timely manner.
- Observe areas in need of training for employees and report to Branch Manager.
- Review and submit timecard information to corporate office.
- Work reports to detail sales orders, open orders, and assure all office details are completed.
Real Estate Loan Assistant
Stockman Bank
12.2014 - 05.2017
- Assisted two top RE Loan Officers with portfolios
- Confirm financial and personal data on loan packages. Review data for accuracy and completeness, order required documentation, and input data.
- Work closely with borrowers, title companies, realtors, and appraisers to obtain or finalize information for closings.
- Process in-house and secondary residential real estate loan requests.
- Maintain closing schedules, review underwriting conditions, review credit reports, and work to resolve any possible conflicts.
- Scheduled and held meetings with lenders to make sure they were on schedule with customers for closings.
- Trained new RE Loan assistants.
- Utilized Encompass Program for RE
Planroom Coordinator
Billings Builders Exchange
01.2013 - 12.2014
- Maintained up-to-date plans and specifications on projects currently for bid.
- Provided a consolidated source of information for project leads.
- Provided accurate, timely reporting on projects solicited for bids.
- Encouraged competitive, responsible, and thorough bidding.
- Billed, and posted monthly membership dues.
- Maintained relationships with General Contractors, and Sub Contractors.
South Dakota Branch Support
First Interstate Bank
01.2010 - 12.2013
- In charge of 5 branches in South Dakota, for reviewing their daily work, loan files and teller items for errors
- Boarded new loans and trust receipts.
- Processed daily NSF and non-post items for all core applications, Deposit File Maintenance Input and Review, and loan changes, i.e., renewals and max credit.
- Resolved all deposit item non posts.
- Performed file maintenance review, audit exceptions, deficit balances and reporting, Regulation D monitoring, and large-item review, handling and notification.
- Researched and resolved complex items on loans.
- Provided superior customer service to branches and answered their questions.
- Trained new hires
- Assisted branches with building wires into the Payplus system.
- Answered branch questions, researched and resolved any problems with incoming/outgoing wires.
- Utilized Fiserv, Laser Pro and Navigator programs.
Member Service Representative
Billings Federal Credit Union
01.2007 - 12.2010
- Processed over-the-counter, mail and ATM member transactions, and maintained accurate transaction records.
- Explained and cross sold products and services.
- Balanced the ATM's daily
- Performed reconciliation, close reports, and resolved discrepancies.
- Provided backup support in call center as needed.
- Trained new employees
Assistant Director
Kids Only Daycare
01.2005 - 12.2007
- Managed staff, worked with parents, and interacted with a diverse age group of children (40-50).
- Hired new staff, provided training, developed educational activity programs, monitored the facility, and adhered to proper state codes.
- Maintained records of health insurance information, allergies, details of medical conditions, and parental authorizations.
- Trained in CPR, first aid, and other routine emergency procedures.
Education
Analyzing Income For The Self-Employed Borrower
Real Estate -
Connole-Morton Real Estate School
2018
Skills
- Sales expertise
- Customer service-focused
- Excellent communicator
- Reliable
- Detail-oriented
- Excellent time management
- Coaching and Mentoring
- Employee Development
- Process Improvement
- Relationship Building
Timeline
Remote Lender
Intrepid Credit Union
01.2022 - Current
Loan Officer
Billings Federal Credit Union
01.2018 - 01.2022
Office Manager
Crescent Electric Supply
05.2017 - 12.2018
Real Estate Loan Assistant
Stockman Bank
12.2014 - 05.2017
Planroom Coordinator
Billings Builders Exchange
01.2013 - 12.2014
South Dakota Branch Support
First Interstate Bank
01.2010 - 12.2013
Member Service Representative
Billings Federal Credit Union
01.2007 - 12.2010
Assistant Director
Kids Only Daycare
01.2005 - 12.2007
Analyzing Income For The Self-Employed Borrower
Real Estate -
Connole-Morton Real Estate School
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