MARKHAM P. NOLAN

• Set up and completed loan submission packages.
• Verified credit histories and employment backgrounds for each applicant.
• Reviewed Credit, income, and assets and made approval decisions based on product guidelines.
• Reviewed financial statements and contacted institutions and customers to clarify details.
• Handled any conditions sent from underwriting departments.
• Worked with customers via telephone and email to answer questions, process transactions, resolve issues, and to provide updates throughout process.
• Coordinated closing process with attorneys, title companies and government clerks.
• Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
• Verified closing financial disclosure amounts against settlement and escrow agent figures to accurately reflect borrowers' bottom-line costs.

Responsible for being proficient in product knowledge, Uncovering member financial priorities and developing a comprehensive plan, Meeting and exceeding sales goals, Staying compliantly sound with credit union policy and procedures as well as federal law (Bank Secrecy Act, Anti Money Laundering, OFAC, USA Patriot Act, Privacy Act and Community Reinvestment Act), Sourcing new business, Answering inbound and outbound calls, Multitasking in a fast paced environment, Managing clients accounts and following up with book of business, Exercising leadership and communication skills, Etc.

• Originated, reviewed, processed, closed and administered client loan proposals for Home purchases, Refinances, and Home equity Lines of Credit.
• Stayed aware of current market trends and rates.
• Positioned and proposed mortgage products and rate scenarios to meet the needs of my client's and their overall long term goals.
• Submitted loan applications to the underwriter for verification and recommendations as well as partnering with underwriters to exhaust all options for loan approval.  
• Complied with regulatory requirements, including the Bank Secrecy Act, Anti Money Laundering, OFAC, USA Patriot Act, Privacy Act and Community Reinvestment Act.
• Developed and maintained relationships with local real estate agents.

• Responsible for being proficient in banking product knowledge, Uncovering clients financial priorities and developing a comprehensive plan, Meeting and exceeding competitive sales goals, Complied with regulatory requirements, including the Bank Secrecy Act, Anti Money Laundering, OFAC, USA Patriot Act, Privacy Act, Sourcing new business, Answering inbound and outbound calls, Multitasking in a fast paced environment, Managing clients accounts and following up with book of business, Exercising leadership and communication skills, Etc.

• Responsible for being proficient in banking product knowledge, Uncovered clients financial priorities, Converted service into sales,Complied with regulatory requirements, including the Bank Secrecy Act, Anti Money Laundering, OFAC, USA Patriot Act, Privacy Act, Migrated clients to more convenient digital banking options, Multitasked in a fast paced environment, Etc.