Hi, I’m
Margeate Work
Sales & Service Expert
Lincoln,CA
Summary
Experienced Relationship Sales Expert with over 20+ years of work history. Skilled in working under pressure and adapting to new situations and challenges to best enhance the organizational brand.
Expansive knowledgeable and dedicated customer service professional skills with extensive experience in sales industry. Solid team player with outgoing, good judgement, positive demeanor and proven skills in establishing rapport with clients. Motivated to maintain customer satisfaction and contribute to company success. Specialize in quality, speed and process optimization. Articulate, energetic and results-oriented with exemplary passion for developing relationships, cultivating partnerships and growing businesses.
Encouraging manager and analytical problem-solver with talents for team building, leading and motivating, as well as excellent customer relations aptitude and relationship-building skills. Proficient in using independent decision-making skills and sound judgment to positively impact company success. Dedicated to applying training, monitoring and morale-building abilities to enhance employee engagement and boost performance.
Overview
31
years of professional experience
Work History
Mason McDuffie Mortgage
Senior Mortgage Loan Officer
07.2022 - Current
Job overview
- Worked with underwriters to fix application problems and resolve issues.
- Reviewed loan files and updated to match current standards.
- Explained different types of loans pertaining to client situations.
- Fielded customer complaints and provided solutions.
- Oversaw scheduling of timely loan closing to satisfy home builder and borrower needs.
- Implemented sales strategies that established relationships with realtors and CPAs.
- Minimized losses by accomplishing 86% sales recovery.
- Monitored pipelines to track and log status of loans.
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
- Proactively identified solutions for customers experiencing credit issues.
- Explained very technical financial information to applicants in easy to understand language.
- Developed prospects for new loans by conducting 120 cold calls weekly.
- Handled customer complaints with relative ease by conducting research, listening carefully and taking appropriate action.
Wells Fargo & Company
Senior Loan Consultant
03.2019 - 08.2022
Job overview
- Supervised loan personnel and motivated to maintain customer service and performance standards.
- Assisted clients with improving financial health by counseling on issues such as excessive spending and borrowing.
- Working with vendors to accomplish a timely and smooth transition for all.
- Compiled closing packages for drafting and presentation accuracy.
- Explained different types of loans pertaining to client situations.
- Recorded inventory sales into organization's weekly income report.
- Maintained customer satisfaction with forward-thinking strategies focused on addressing customer needs and resolving concerns.
- Maintained 100% surveys for relationship customer satisfaction and 86% customer retention from year to year.
- Offered advice and assistance to customers, paying attention to special needs or wants.
- Origination through Funding on loans and working with many third party venders to make this smooth and transparent.
- Average of closed new sales each year of 64M Plus revenue new business - personally outsourced through new relationships.
- Analyzed sales and marketing data for improved strategies.
- Managed sales promotions and marketing strategies on major social media sites.
Banc Home Loans
Relationship Lending Manager, Mortgage Loan Group
01.2017 - 03.2019
Job overview
- Recruited, interviewed and hired new employees bringing value to lending department.
- Oversaw entire loan process to provide each client received exceptional service.
- Lead team charged with consumer lending compliance and risk evaluation.
- Analyzed financial statements and tax returns to complete underwriting process.
- Cultivated relationships with automotive dealerships by making sales calls.
- Oversaw scheduling of timely loan closing to satisfy home builder and borrower needs.
Guild Mortgage
Senior Mortgage Loan Officer
11.2015 - 03.2019
Job overview
- Explained different types of loans pertaining to client situations.
- Worked with underwriters to fix application problems and resolve issues.
- Reviewed loan files and updated to match current standards.
- Oversaw scheduling of timely loan closing to satisfy home builder and borrower needs.
- Supervised loan personnel and motivated to maintain customer service and performance standards.
- Compiled closing packages for drafting and presentation accuracy.
- Created strategies to develop and expand existing customer sales, resulting in increase in annual sales.
- Onboarded new employees to team "Work with Bird" with training and new hire documentation.
- Accomplished multiple tasks within established timeframes.
- Developed and maintained relationships with customers and suppliers through account development and mortgage retention on team.
Wells Fargo & Company
Producing Relocation Mortgage Manager
11.2010 - 10.2015
Job overview
- Complied with established internal controls and policies.
- Performed routine closings, maintained clean, accurate and accessible records and kept close eye on transaction updates throughout each quarter.
- Established and enforced internal controls, workflows and policies for tracking, reconciling and reporting on accounting activities.
- Checked payroll, vendor payments, commissions and other accounting disbursements for accuracy and compliance.
- Generated sales reports for each relationship acct Facebook, Genentech, Visa, etc, monitored bi-weekly sales production, and paid out sales commissions.
- Put together fully and ran on campus events and lunch and learns for relationships to increase mortgage sales for team
Comstock Mortgage
Customer Service Sales
06.2001 - 10.2010
Job overview
- Handled calls promptly and with courteous professionalism.
- Completed call documentation while speaking with customers.
- Processed orders, service requests and applied information to customers.
- Maintained working knowledge of products, accounts, representatives, tools and systems.
- Aided senior leadership with mortgage handling, relationship face to face interaction, and events.
- Worked with marketing department to launch and manage promotional activities and campaigns to include onboarding.
- Sustained continuous improvement by implementing customer interface management systems through telephone communication, email marketing, live chat services and social media.
Great Western Bank Aka First Interstate
Teller, New Accts Rep, Sales Mgr
11.1993 - 05.2001
Job overview
- Assisted in 4 Bank Mergers from LA to Sacramento
- Developed and maintained positive customer relations and coordinated with team members to properly handle requests and questions.
- Designated as team lead at conventions to promote products and company branding.
- Understood each target customer's business model, mapped out organization and identified unique technology needs.
- Represented union members and presented cases at Local and Statewide Council meetings.
- Processed customer transactions promptly, minimizing wait times.
- Educated customers on use of banking website and mobile apps.
- Recognized needs and referred to appropriate representative or line of business for cross-sell or service opportunities.
- Assisted customers with setting up or closing accounts, completing loan applications and signing up for new services.
- Quickly learned new skills and applied them to daily tasks, improving efficiency and productivity.
Education
Dept Of Real Estate EducationSacramento, CA
Licensed Real Estate Agent 2011 To Current from Real Estate Sales
06.2011
ROCP Career Tech Education Sacramento, CA
Graduation from Banking And Financial Support Services
06.2000
Sierra CollegeRocklin, CA
Associate of Arts from General Education / Business
06.1996
San Juan High SchoolCitrus Heights, CA
High School Diploma
06.1993
Skills
- Customer Relations
- Statutory Research
- Wealth Planning
- Sales Development
- Market Research
- Mortgage Loan Origination
- Negotiation Tactics
- New Business Generation
- Product Education
- Customer Proposals
- Sales Forecasting
- Client Interviews
- Complaint Handling
Timeline
Senior Mortgage Loan Officer
Mason McDuffie Mortgage
07.2022 - Current
Senior Loan Consultant
Wells Fargo & Company
03.2019 - 08.2022
Relationship Lending Manager, Mortgage Loan Group
Banc Home Loans
01.2017 - 03.2019
Senior Mortgage Loan Officer
Guild Mortgage
11.2015 - 03.2019
Producing Relocation Mortgage Manager
Wells Fargo & Company
11.2010 - 10.2015
Customer Service Sales
Comstock Mortgage
06.2001 - 10.2010
Teller, New Accts Rep, Sales Mgr
Great Western Bank Aka First Interstate
11.1993 - 05.2001
Dept Of Real Estate Education
Licensed Real Estate Agent 2011 To Current from Real Estate Sales
ROCP Career Tech Education
Graduation from Banking And Financial Support Services
Sierra College
Associate of Arts from General Education / Business
San Juan High School
High School Diploma
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