Summary
Overview
Work History
Education
Skills
Certification
artist
Timeline
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Mary Kracht

Mary Kracht

Real estate Broker
Phoenix,AZ

Summary

Accomplished Loan Officer dependable in building customer base and exceeding business goals. Well-versed in loan products and customer engagement strategies. Pursues opportunities to build connections, increase bank revenue and cement loyalty. Organized Mortgage Loan Officer with 7 years of experience refinance and residential loans. Extensive real estate knowledge and success in client education. Adept at mathematical accuracy and following financial regulations. Talented real estate broker with proven track record of providing financial services to clients while managing complex loan transactions. Possesses deep understanding of credit analysis, loan origination and closing. Offers great time management and task prioritization skills. Highly skilled Loan Specialist with expertise in data accuracy and security. Hardworking professional with over 20 years of assisting clients, scheduling payments and reviewing credit histories. Knowledgeable in all credit procedures. Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals. Hardworking and passionate job seeker with strong organizational skills eager to secure position. Ready to help team achieve company goals. To seek and maintain full-time position that offers professional challenges utilizing interpersonal skills, excellent time management and problem-solving skills.

Overview

21
21
years of professional experience
1
1
Certification

Work History

Mortgage Loan Officer

Wey
  • Worked with underwriters to fix application problems and resolve issues.
  • Maintained high level of customer satisfaction by providing prompt and accurate loan status updates.
  • Communicated with clients, processing teams and other third parties to achieve prompt loan closings.
  • Analyzed loan applications and credit reports to determine loan eligibility and risk level.
  • Explained different types of loans pertaining to client situations.
  • Followed up with clients on missing loan documents, providing guidance on best way to complete application process.
  • Assisted clients in selecting correct loan product and terms to meet needs and financial goals.
  • Negotiated loan terms and conditions with clients to maximize profitability.
  • Developed extensive network of referral partners to source new mortgage loan opportunities.

Certified Notary Signing Agent

Arizona Pacific Real Estate
08.2022 - Current
  • Checked documents and identifying credentials for all parties.
  • Checked documents for accuracy and correct signing before notarizing.
  • Checked client identification to maintain compliance with state legal requirements.
  • Updated journal with names and dates for permanent record.
  • Examined documents for accuracy, completion and compliance before notarizing.
  • Maintained accurate records of all documents notarized to support accurate recordkeeping and reporting requirements.
  • Followed proper protocol when notarizing documents, verifying signatures and dates for compliance.
  • Met with clients in [Type] environment to witness signings.
  • Looked for signs of fraud or coercion and refused notarization.

Notary Public

Arizona Pacific Real Estate
02.2010 - Current
  • Followed proper protocol when notarizing documents, verifying signatures and dates for compliance.
  • Administered oath to document signers to obtain affirmation of truth.
  • Checked documents and identifying credentials for all parties.
  • Examined documents for accuracy, completion and compliance before notarizing.
  • Set up and managed appointments for client notary services.
  • Maintained accurate records of all documents notarized to support accurate recordkeeping and reporting requirements.
  • Checked client identification to maintain compliance with state legal requirements.
  • Drafted and executed notarial affidavits in accordance with applicable laws.
  • Checked documents for accuracy and correct signing before notarizing.
  • Certified and attested power of attorney documents, acknowledgements and deeds.
  • Attended public notary seminars to stay informed of updates to relevant laws and regulations.
  • Updated journal with names and dates for permanent record.
  • Looked for signs of fraud or coercion and refused notarization.
  • Provided guidance to customers to facilitate completion of notarial documents.
  • Utilized specialized software to accurately track notary services performed.
  • Met with clients in [Type] environment to witness signings.
  • Proofread and edited documents for accuracy and grammar.
  • Drafted common document templates to reduce time spent creating documents from scratch.
  • Completed daily logs for management review.
  • Opened and properly distributed incoming mail to promote quicker response to client inquiries.
  • Planned and coordinated logistics and materials for board meetings, committee meetings and staff events.
  • Performed wide-ranging administrative, financial and service-related functions.
  • Increased profitability and productivity by minimizing downtime and streamlining quality control procedures.
  • Trained and supervised employees on office policies and procedures.
  • Ordered and distributed office supplies while adhering to fixed office budget.
  • Followed detailed directions from management to complete daily paperwork and computer data entry.
  • Developed and implemented strategies to streamline office operations.
  • Answered and managed incoming and outgoing calls while recording accurate messages for distribution to office staff.
  • Streamlined office operations by effectively monitoring and addressing client correspondence and data communications.
  • Remained solutions-oriented in face of complex problems to assist management and overall business direction.
  • Increased customer service success rates by quickly resolving issues.
  • Directed automation of office procedures such as correspondence management, recordkeeping and online communications.
  • Assisted clients with daily living needs to maintain self-esteem and general wellness.
  • Served as corporate liaison for finance, IT and marketing departments.
  • Managed data and correspondence to secure information across complex landscapes of organizational departments.
  • Volunteered to help with special projects of varying degrees of complexity.

Real Estate Broker

Arizona Pacific Real Estate
04.2007 - Current
  • Negotiated real estate contracts to navigate transactions between buyers and sellers.
  • Provided guidance and consultation to clients to make well-informed decisions in real estate investments.
  • Analyzed local real estate market conditions and trends to identify profitable investment opportunities.
  • Arranged for inspections and surveys of sold properties.
  • Negotiated purchase contracts and lease agreements to establish maximum value for clients.
  • Conducted competitive market analysis to determine optimal pricing for properties.
  • Worked closely with clients to facilitate appropriate loans, inspections, and credit reports.
  • Utilized online marketing platforms to promote real estate services and generate leads.
  • Developed innovative strategies and tactics to promote real estate listings and generate new business opportunities.

Property Manager

Arizona Pacific Real Estate
04.2007 - Current
  • Handled tenant complaints promptly and appropriately, calling in repairmen, and other support services.
  • Completed final move-out walk-throughs with tenants to identify required repairs.
  • Followed up on delinquent tenants and coordinated collection procedures.
  • Maintained original leases and renewal documents in digital and hardcopy format for property management office.
  • Maintained operational facilities attractive to potential tenants by organizing regular maintenance, major repairs, and capital improvement projects.
  • Introduced prospective tenants to types of units available and performed tours of premises.
  • Monitored progress of construction and maintenance projects and notified appropriate individuals of project updates, delays, and schedule changes.
  • Verified income, assets, and expenses, and completed file tracking sheet for each applicant.
  • Monitored tenant behavior and implemented corrective action to maintain order in assigned properties.
  • Monitored timely receipt and reconciliation of rent collections in accordance with landlord and resident statutes.
  • Coordinated with janitorial and engineering staff on maintenance and upkeep.
  • Coordinated with legal counsel to resolve tenant disputes.
  • Maintained sufficient number of units market-ready for lease.
  • Developed and implemented marketing strategies to increase occupancy rates.
  • Administered operations to handle needs of more than [Number] tenants across [Number] property units.
  • Kept properties in compliance with local, state and federal regulations.
  • Collected and maintained careful records of rental payments and payment dates.
  • Communicated effectively with owners, residents, and on-site associates.
  • Conducted regular inspections of both interior and exterior of properties for damage.
  • Implemented and enforced policies and procedures to maintain properties to highest standards.
  • Monitored and tracked payments and expenses, providing timely and accurate financial reports.
  • Delivered emergency 24-hour on-call service for tenants on building issues.
  • Coordinated appointments to show marketed properties.
  • Maximized rental income while minimizing expenses through effective planning and control.
  • Responded to Common Area Maintenance (CAM) inquiries.
  • Introduced and monitored effective lease renewal programs to maintain high occupancy rates.
  • Generated leads for sales and rental properties through cold calls and referrals.
  • Developed annual operating budgets and forecasts, as well as sales and marketing plans.
  • Completed annual rent calculations using housing database software.
  • Analyzed operational information for impact on ROI, identified trends and recommended appropriate adjustments.
  • Generated professional networks by engaging in professional, industry and government organizations.
  • Worked closely with clients to facilitate appropriate loans, inspections, and credit reports.
  • Planned special events such as lotteries, dedications and project tours.
  • Investigated property owners and researched current mineral rights details by reviewing hardcopy and digitized records.
  • Consulted with landowners to obtain mineral access rights and promote drilling operations on private land.

Real Estate Broker

Real Estate San Diego
03.2002 - Current
  • Negotiated real estate contracts to navigate transactions between buyers and sellers.
  • Provided guidance and consultation to clients to make well-informed decisions in real estate investments.
  • Analyzed local real estate market conditions and trends to identify profitable investment opportunities.
  • Arranged for inspections and surveys of sold properties.
  • Negotiated purchase contracts and lease agreements to establish maximum value for clients.
  • Conducted competitive market analysis to determine optimal pricing for properties.
  • Worked closely with clients to facilitate appropriate loans, inspections, and credit reports.
  • Utilized online marketing platforms to promote real estate services and generate leads.
  • Developed innovative strategies and tactics to promote real estate listings and generate new business opportunities.
  • Compared properties possessing similar features to determine competitive market prices.
  • Advised clients on mortgage and housing conditions to identify successful properties and promote customer satisfaction.
  • Managed roster of clients to send announcements and information on new properties.
  • Generated lists of properties for sale, locations, descriptions and available financing options.
  • Liaised between property owners and prospective buyers to facilitate purchase and transfer of ownership.
  • Established and developed real estate agency, driving recruitment, and operational growth.
  • Cultivated strong relationships with agents, lenders and title companies.
  • Helped clients navigate transactions, complete paperwork and finalize sales or purchases.
  • Advocated for client needs and obtained desired considerations for sales and purchases.
  • Generated leads and qualified prospects, facilitating smooth property transactions.
  • Set up virtual home tours, in-person visits, and open houses for properties.
  • Monitored contract execution to verify complete fulfillment of terms.
  • Developed successful marketing strategies to promote properties and maximize exposure.
  • Obtained agreements from property owners to place properties for sale with real estate firms.
  • Advised clients on optimum buying and selling choices for maximum returns.
  • Evaluated properties for potential salability and pricing.
  • Appraised property values and assessed buyer income to determine feasibility of offer success.
  • Verified sales compliance with local governmental regulations, environmental standards and industry good practices.
  • Bought, renovated and flipped houses using real estate and construction knowledge.
  • Worked with special team to locate and develop properties in [Type] area.
  • Coordinated rental agreements for [Type] properties, keeping occupancy high and helping renters find suitable spaces.

Education

Bachelor of Arts -

Phoenix College
Phoenix, AZ

Real Estate Broker

Arizona DRE Real Estate
Phoenix, AZ
2002

Astrology

Arizona Society Astrologers
Phoenix, AZ
1973

Flight Attendant

Western Airlines
Los Angeles, CA
1966

Skills

  • Desktop Underwriting Expertise
  • Calculate Payments
  • Application Tracking
  • Marketing Expertise
  • Microsoft Office
  • Verify Agreements
  • Sales Development
  • Document Analysis
  • Financial Accounting
  • Financial Planning Expertise
  • Complete Loan Applications
  • Networking and Partnership Development
  • Underwriting Support
  • Bank Security Issues
  • Credit Union Operations
  • Commercial Real Estate
  • Financial Analysis
  • Client Account Management
  • Knowledge of VA Loan Process
  • Remote Video Conferencing
  • Production Leadership
  • Mortgage Plan Advising
  • Credit Check Knowledge
  • Business Referral Management
  • Experian Credinomics
  • Negotiation Tactics
  • Manage Complaints
  • LNMS Licensed
  • Fraud Prevention and Detection
  • Bank Product Marketing
  • COBAL Expertise
  • Sales Forecasting
  • Loan Product Promotion
  • Deep Knowledge of Bankruptcy Processes
  • Equifax Application Engine
  • Mortgage Loan Origination
  • Community Reinvestment Act
  • Client Interviews
  • Pre-Approval Process
  • Loan Portfolio Growth
  • Bottom Line Loan Master Servicing
  • 10-Key Data Entry
  • Scheduling Oversight
  • Real Estate Appraisal
  • Loan Application Management
  • Regulatory Disclosure Preparation
  • Payment Collection
  • Certified Financial Marketing Professional
  • Serve Customer Needs
  • Regulatory Compliance
  • Applicant Counseling
  • Performance Assessment and Improvement
  • Oral and Written Comprehension
  • Invoice Preparation
  • Active Listening and Learning
  • Analytical and Critical Thinking
  • Loan Approval
  • NMLS Registration
  • Economics Understanding
  • Financial Service Solutions
  • Collections Proficiency
  • IBM Notes
  • Financial History Reviews
  • Payoff Planning

Certification

  • Licensed [Job Title] - [Timeframe]

artist

Current company; astral-logic consulting Spiritual advisor and water color artist

www.tellmestar.com

www.astral-logicconsulting.com

Timeline

Certified Notary Signing Agent

Arizona Pacific Real Estate
08.2022 - Current

Notary Public

Arizona Pacific Real Estate
02.2010 - Current

Real Estate Broker

Arizona Pacific Real Estate
04.2007 - Current

Property Manager

Arizona Pacific Real Estate
04.2007 - Current

Real Estate Broker

Real Estate San Diego
03.2002 - Current

Mortgage Loan Officer

Wey

Bachelor of Arts -

Phoenix College

Real Estate Broker

Arizona DRE Real Estate

Astrology

Arizona Society Astrologers

Flight Attendant

Western Airlines

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