Lucila Salgado

Responsible for the maintenance of records on mortgaged property and accurate and timely payments of private mortgage insurance.

Accurate and timely input and processing various loans .

Responsible for reviewing and preparing documentation

Prepare and distribute internal reports as required

• Book loans on various platforms such as, XAM and MLS systems for Business ODP’s and Retail Mortgage loans
• Set up Escrow lines, ensuring all lines are set up correctly and pertain to mortgage loan
• Manage time effectively; prioritize and make good business judgments and decisions in relationship to efficiency, effectiveness while meeting daily service expectations and SLA
• GL reconciliation, process monetary transactions
• Perform research and maintenance requests as assigned
• Lead team huddle for a week as assigned.

• Provide excellent customer service in response to customer needs and requests; while looking for the business to increase share of wallet
• Adhere to strict schedules to ensure needs of business and customers are met within allotted service levels (answer 70% of calls within 30 seconds or less)
• Serve as primary contact for servicing customer transactions, responding to and resolving routine and complex customer inquiries and service issues
• Act as liaison between customer and bank to assist in filing EFT Claims, IRA Servicing, Mortgage Servicing, Deposit Servicing, and Indirect/Loan Servicing
• Assist with IRA distribution requests, general inquiries and basic account information
• Process auto loan, HELO/HELI loans, and mortgage payment via HELP payment system
• Provide extensive assistance with Harris OLB and troubleshoot as needed for issues regarding Bill Pay and related OLB questions
• Balance and manage phone responsibilities along with other responsibilities scheduled by manager, such as team contests, peer coaching, etc.

• Acted as liaison between customer and bank as it relates to Chapter 7 Bankruptcies
• Prepared reaffirmation agreements on Chapter 7 Bankruptcies
• File documents on behalf of bank with the bankruptcy court
• Assisted customers with their overdue mortgage accounts in a sensitive and timely manner to meet the needs of the customer and the bank alike
• Managed all office duties, customer phone calls, customer follow up and other responsibilities as assigned.

• Provided excellent internal customer service to internal work partners
• Responsible for ordering, gathering, and reviewing all supporting documentation relating to real estate lending on standard consumer loan applications
• Reviewed appraisals, ordered title searches, title commitments, and flood certifications for all transactions related to standard consumer loan applications
• Assisted with inquires for credit and/or underwriting for personal customer accounts to complete loan profile.

• Provided excellent customer service in response to customer needs and requests
• Cash handling as it relates to processing account deposits, withdrawals, loan payments, etc
• Received and processed money for all retail and commercial deposit and withdrawal transactions
• Processed change orders for retail and commercial customers
• Cashed Home Equity checks and processed all types of installment loan payments
• Issued traveler’s checks, foreign currency and savings bonds
• Responsible for counting down tills at end of night and performing surprise till audits 3 times per week
• Ensured all branch work was ready for pick up and processing in a timely manner
• Provided excellent customer service to personal and commercial customers
• Ensured needs of business were met by creating work schedules for teller staff, and coaching tellers daily to ensure sales and referral goals were met.