Lois Chesnut

• Loan Signing
• Conducted thorough review of loan documents prior to signing appointments, ensuring accuracy and completeness of information.
• Managed scheduling and logistics for multiple loan signings, maintaining punctuality and professionalism at all times.
• Adapted quickly to changing market conditions or regulatory updates affecting the mortgage industry.
• Explained very technical financial information to applicants in easy to understand language.
• Compiled closing packages for drafting and presentation accuracy.
• Notary
• Explain Mortgage loan closing documents to clients as the final step in closing out the mortgage process, witness and notarize signatures, collect closing funds.
• Travel to client's office, courthouse, bank, attorney office, real estate office to accommodate location needs.
• Prepared thorough loan packages, reducing errors and expediting processing times for lenders.

• Submitted loan applications to underwriter for verification and recommendations.
• Assisted clients in selecting appropriate loan products for their needs, resulting in higher customer satisfaction.
• Examined customer loan applications for loan approvals and denials.
• Originated, reviewed, processed, closed, and administered customer loan proposals.
• Ensured compliance with all federal and state regulations throughout the loan origination process.
• Developed and maintained relationships with customers, lenders and other third parties.

• This career is something that was created from my love of designing florals, wreaths, swags, and much more. This is something I do out of a shop I built in my personal home, and do as a side job, as a creative outlet, and something I would love to explore further with the right opportunity.
• Streamlined the design process for efficiency, implementing effective time management strategies and prioritizing tasks.
• Collaborated with event planners to create memorable floral installations for weddings, events, and special occasions.
• Managed inventory effectively, ensuring optimal levels of fresh flowers and supplies while minimizing waste.
• Consistently met tight deadlines for large-scale orders, coordinating logistics to ensure timely delivery and installation of arrangements.
• Developed strong relationships with suppliers to negotiate favorable pricing on premium flowers and materials without compromising quality.
• Conducted workshops teaching basic floral arrangement techniques to customers interested in exploring their own creative abilities.
• Designed custom sympathy arrangements that provided comfort during difficult times while reflecting the personality of the deceased loved one.
• Revitalized store displays with seasonally appropriate arrangements showcasing current trends in color palettes and materials usage.
• Offered friendly and efficient service to customers, handled challenging situations with ease.
• Proficient in utilizing floral design software to create custom arrangements.
• Managed inventory levels efficiently, ensuring optimal stock availability and minimizing overhead costs.
• Hired trained, and supervised a team of employees, fostering a collaborative work environment focused on achieving store goals.
• Maintained accurate financial records, including sales reports, expense tracking, and budget management.
• Coached, counseled and disciplined employees.
• Prepared bank deposits and handled business sales, returns and transaction reports.
• Oversaw business budget planning and administration, accounting functions, purchasing, and bi-weekly payroll to handle financial needs.
• Reviewed project requirements to plan workflows and evaluate client time and budget constraints.
• Stocked merchandise, clearly labeling items, and arranging according to size or color.
• Enhanced store sales by assisting customers in selecting appropriate gifts and decorations.
• In home installs of Christmas Tree decorating, approx 45 homes in a 30 day window.
• Collaborated closely with customers to create unique designs for bouquets, wreaths, and gifts.
• Updated social media platforms with photos of recent arrangements, increasing online engagement and inquiries.

Moved to a different Mortgage Company due to owner closing his business.

Same mortgage duties as previous mortgage positions.

• Met and obtained and explained the loan process and collected documentation from clients for loan approval process
• Analyzed all Financial/Credit/Asset documentation for approval
• Responsible for reviewing and analyzing/spreading financial statements, preparing statement analysis and covenant checks in support of the lending function
• Outperformed company goals, and achieved recognition for my performance
• Trained and mentored administrative staff.
• Streamlined office operations by implementing efficient filing systems and organizational strategies.
• Enhanced team productivity by delegating tasks effectively and overseeing daily workflow.
• Served as a liaison between upper management and staff members, facilitating open channels of communication to address concerns or issues promptly.
• Handled sensitive information with discretion, maintaining confidentiality of company documents and personnel records.
• Evaluated employee records and productivity and submitted evaluation reports.
• Evaluated employee performance and conveyed constructive feedback to improve skills.
• NOTE: OFFICE LOCATION WAS CLOSED BY COMPANY OWNER.

• I have a long career in Banking & Financing
• Attended personnel meetings and training sessions to improve skills and learn new policies and procedures.
• Increased loan application approvals by efficiently reviewing and verifying applicant financial information.
• Streamlined the loan process for faster turnaround times, implementing a paperless document management system.
• Developed strong relationships with clients, resulting in higher customer satisfaction rates and repeat business.
• Performed detailed credit analysis to minimize risk exposure, adhering to strict underwriting guidelines and regulations.
• Collaborated with cross-functional teams to ensure timely processing of loans, improving overall operational efficiency.
• Maintained thorough knowledge of evolving regulatory requirements, ensuring full compliance in all lending activities.
• Negotiated favorable loan terms for both bank and borrower by skillfully assessing risk factors and borrower needs.
• Participated in community events to promote bank services, generating leads for new business opportunities.
• Evaluated and approved loan applications within set credit limits, exercising sound judgment in decision making.
• Developed strong relationships with customers through high levels of customer service.
• Submitted loan applications to underwriter for verification and recommendations.
• Examined customer loan applications for loan approvals and denials.
• Processed loan applications and monitored progress from start to finish.
• Monitored pipelines to track and log status of loans.
• Compiled closing packages for drafting and presentation accuracy.

• Increased property sales by conducting thorough market research and identifying potential buyers.
• Developed strong relationships with clients by providing exceptional customer service and timely communication.
• Negotiated favorable contract terms for clients, resulting in successful closings and increased client satisfaction.
• Conducted open houses to showcase properties, generating interest and attracting potential buyers.
• Maintained an up-to-date knowledge of local market trends, allowing for accurate pricing recommendations for clients.
• Provided guidance to first-time homebuyers, ensuring a smooth process from beginning to end.
• Worked closely with mortgage brokers to ensure financing options were available and understood by clients throughout the transaction process.
• Streamlined the closing process by coordinating inspections, appraisals, title work, and other necessary documentation in a timely manner.
• Guided clients through due diligence periods by addressing concerns promptly and efficiently resolving any issues that arose during negotiations or inspections.
• Assisted sellers in navigating the complexities of short sales and foreclosures, providing support and guidance throughout each step of the process.
• Liaised between buyers and sellers to provide positive experiences for both parties.
• Communicated with clients to understand property needs and preferences.
• Sold high volume of properties in short timeframes to exceed quotas and maximize business revenue.
• Wrote listings detailing and professionally highlighting property features to increase sales chances.
• Coordinated appointments to show marketed properties.
• Managed contracts, negotiations, and all aspects of sales to finalize purchases and exceed customer expectations.
• Marketed and sold property for clients by hosting open houses and advertising online and in print.

• Enhanced loan closing efficiency by streamlining the document preparation process.
• Expedited mortgage loan approval by effectively collaborating with underwriters and loan officers.
• Reduced errors in loan documents through meticulous review and verification procedures.
• Safeguarded regulatory compliance by staying current on industry laws, policies, and guidelines.
• Resolved title issues promptly to prevent delays in property transactions and closings.
• Assisted clients in understanding the intricacies of their contracts, resulting in informed decision making.
• Maintained accurate records of all transactions, ensuring compliance with regulatory requirements.
• Handled sensitive financial information discreetly, maintaining confidentiality for all clients involved in transactions.
• Balanced competing priorities while managing multiple closings simultaneously, consistently meeting deadlines without sacrificing quality of work performed.
• Prepared and presented contracts and other legal documents to clients.
• Reduced errors in title examinations through diligent verification of property records and legal descriptions.
• Contacted appropriate agencies to complete searches, order records, and obtain documents.
• Mitigated potential disputes between parties involved in real estate transactions by clearly outlining identified encumbrances on titles.
• Provided clear explanations of findings during examinations, aiding clients in making informed decisions about their properties.
• Streamlined the title search process for faster turnaround times with meticulous attention to detail.
• Communicated with customers to resolve common title issues.
• Analyzed title documents to identify potential issues and resolve any discrepancies.
• Examined land records and identified potential problems with title search results.