Megan O'Halloran
Mokena,IL
Summary
Experienced Loan Officer adept at assessing customer needs, providing suitable products, and guiding customers through theloan process. Handles complex financial transactions using in-depth knowledge of loan products, services, and lending regulations. Develops strong customer relationships by providing excellent service. Driven Loan Officer with track record in mortgage and home lending product sales. Demonstrating strong interpersonal skills and exceptional service throughout sales process. Hardworking and passionate job seeker with strong organizational skills eager to secure entry-level position. Ready to help team achieve company goals. Detail-oriented team player with strong organizational skills. Ability to handle multiple projects simultaneously with a high degree of accuracy.
Overview
16
16
years of professional experience
Work History
Loan Officer
Regional Mortgage Corporation
11.2019 - 01.2023
- Developed strong relationships with customers through high levels of customer service.
- Assisted customers in understanding loan terms and conditions to make informed decisions.
- Originated, reviewed, processed, closed, and administered customer loan proposals.
- Submitted loan applications to underwriter for verification and recommendations.
- Maintained strict confidentiality of bank records and client information.
- Collaborated with other departments to promptly process loan applications.
- Examined customer loan applications for loan approvals and denials.
- Negotiated loan terms to provide favorable outcomes for both customers and lenders.
- Monitored performance of existing loan portfolios to identify and address any issues.
- Compiled database of loan applicants' credit histories, financial statements and other financial information.
- Utilized risk management strategies to attain high loan approval rates.
- Advised clients on mortgage, education and personal loans.
- Recommended loan approvals and denials based on customer loan application reviews.
- Reviewed and edited loan agreements to enhance clarity and monitor compliance with requirements.
- Developed and implemented marketing campaigns to attract new customers.
- Developed systems to efficiently track loan documents and enhance accuracy.
- Processed loan applications and monitored progress from start to finish.
- Evaluated loan requests and documents to verify accuracy and completeness.
- Assisted customers with completing loan applications and other paperwork.
- Approved loan applications based on customer creditworthiness and provided detailed financial advice.
- Analyzed potential risks and evaluated loan products to identify suitable options for customers.
- Monitored pipelines to track and log status of loans.
- Assessed loan portfolios for compliance with underwriting policies.
- Identified opportunities to cross-sell and upsell loan products to customers.
- Assisted clients with improving financial health by counseling on issues such as excessive spending and borrowing.
- Created strategies to develop and expand existing customer sales, resulting in increase in annual sales.
- Established plans and payoffs for customers' loans, prioritizing control of overall costs.
Massage Therapist
Body Bliss Wellness Center
10.2010 - 08.2019
- Developed and maintained positive relationships with clients through professional communication and follow-up to increase satisfactions and build rapport.
- Created comfortable and professional environment for clients by setting up massage tables and preparing treatment area.
- Provided safe, effective, and appropriate massage therapy techniques during customer appointments.
- Booked appointments, answered phones, greeted clients, handled payments, and created client service tickets.
- Assessed medical histories and conditions of clients to determine contraindications to massage services.
- Researched new techniques to stay up to date with trends and developments in massage therapy industry.
- Utilized deep tissue, Swedish and myofascial massage therapy techniques to provide options to customers.
- Demonstrated knowledge of anatomy and physiology to better understand body and inform massage techniques.
- Assisted clients in understanding benefits of massage therapy to provided education on self-care techniques.
- Offered aromatherapy, hot stones and cupping as part of massage treatments.
- Maintained client treatment records and designed long-term care programs for return customers.
- Provided clear, concise instructions to clients to prepare for massage services.
- Collaborated with physical therapists and other medical professionals to provide holistic care.
- Registered and managed case files, detailed notes and progress on database to enable tracking history and maintain accurate records.
- Provided custom massage treatments to clients, tailored to individual needs and preferences.
- Assessed guest needs and identified muscle issues, medical conditions, and contraindications before beginning session.
- Worked with clients to ascertain medical history, potential issues, and areas needing support.
- Advised clients on lifestyle changes to improve alignment, posture, and gait for better long-term wellness.
- Analyzed postural assessments and range of motion.
- Collaborated with other healthcare professionals to develop treatment plans.
- Working in a Chiropractic environment I also assisted the Chiropractor in various ways.
- Answering phones and scheduling appointments
- Calling insurance companies to verify patients services that will be covered under insurance.
Massage Therapist and Body Technician
Images Med Spa
11.2011 - 12.2014
- Developed and maintained positive relationships with clients through professional communication and follow-up to increase satisfactions and build rapport.
- Created comfortable and professional environment for clients by setting up massage tables and preparing treatment area.
- Provided safe, effective, and appropriate massage therapy techniques during customer appointments.
- Booked appointments, answered phones, greeted clients, handled payments, and created client service tickets.
- Assessed medical histories and conditions of clients to determine contraindications to massage services.
- Demonstrated knowledge of anatomy and physiology to better understand body and inform massage techniques.
- Assisted clients in understanding benefits of massage therapy to provided education on self-care techniques.
- Evaluated client conditions to recommend appropriate massage therapy methods.
- Offered aromatherapy, hot stones and cupping as part of massage treatments.
- Maintained client treatment records and designed long-term care programs for return customers.
- Provided clear, concise instructions to clients to prepare for massage services.
- Registered and managed case files, detailed notes and progress on database to enable tracking history and maintain accurate records.
- Administered Swedish, deep tissue and sports massage techniques.
- Assessed guest needs and identified muscle issues, medical conditions, and contraindications before beginning session.
- Maintained accurate and up-to-date client records.
- Performed aroma therapies and specialized relaxation techniques.
- Performed sanitization tasks to keep massage environment clean and safe.
- Developed customized massage programs to meet unique requirements.
- Assessed clients carefully to determine massage needs and potential problems due to individual physical conditions.
- Body Contouring; Exilis and Coolsculpt
- Spray Tan
- Weight Loss consolations to make a plan to help with weight loss.
Bar Manager
Pelican Harry's
03.2007 - 10.2010
- Closed out cash register and prepared cashier report at close of business.
- Maximized customer service by training staff, overseeing operations, and resolving issues.
- Kept alcoholic beverages well-stocked and organized to meet expected demands.
- Adhered to state laws regarding alcoholic beverage services and customer regulations.
- Consulted with managers to organize special events and promotions.
- Guaranteed optimal beverage stock by assessing inventory and collaborating with owners for corrective action planning to limit expenses.
- Improved customer service rankings by resolving issues quickly and accurately.
- Strategized plans to increase bar revenue through innovative promotional concepts, specialty drinks, and customer-focused events.
- Handled escalated customer concerns with speed and knowledgeable support to achieve optimal satisfaction and maintain long-term loyalty.
- Enhanced financial controls to minimize theft and loss risks, continuously maintaining accurate accounts and cash drawers.
Education
No Degree - Loan Officer
Mortgage Educators And Compliance
Online 10.2019
No Degree - Clinical Massage Therapy
Chicago School of Massage Therapy
Chicago, IL06.2005
Skills
- Creative Solutions
- Financial History Reviews
- Fraud Prevention and Detection
- Change Orders
- Balance Sheet Expertise
- Performance Assessment and Improvement
- Lender Collaboration
- Networking and Partnership Development
- Financial Industry Computer Systems Loan Accountant
- Anti Money Laundering (AML)
- NMLS Registration
- Knowledge of VA Loan Process
- Serve Customer Needs
- MS Office Expertise
- Team Player
- Mutual Funds Knowledge
- Analytical and Critical Thinking
- Safe Act of 2008 Certification
- Database Management
- Strategy Planning
- Oral and Written Comprehension
- Hyperion Software Background
- Financial Advising
- Applicant Counseling
- Remote Video Conferencing
- Verify Agreements
- Calculate Payments
- Client Interviews
- Client Relations
- Wire Transfer
- Retail Mortgages
- New Client Acquisition
- Economics Understanding
- Deep Knowledge of Bankruptcy Processes
- Commercial Real Estate
- Payment Schedules
- Payroll Operations
- Loans
- Cash Handling
- Sales Pipeline Maintenance
- FHA Loan Processes
- Excellent Time Management
- Financial Services
- Customer Relationship Management
- Underwriting Support
- Credit Application Review
Timeline
Loan Officer
Regional Mortgage Corporation
11.2019 - 01.2023
Massage Therapist and Body Technician
Images Med Spa
11.2011 - 12.2014
Massage Therapist
Body Bliss Wellness Center
10.2010 - 08.2019
Bar Manager
Pelican Harry's
03.2007 - 10.2010
No Degree - Loan Officer
Mortgage Educators And Compliance
No Degree - Clinical Massage Therapy
Chicago School of Massage Therapy