Mercedes Schlicht

Originate mortgage loans. Meet with customers in person or on the phone. Discuss mortgage options with the customer and their needs.

Discuss terms and interest rates. Down payment options. Help determine what loan fits them the best.

Work with the branch bankers, train them and help them so that they may ask the right questions so that the customer can be sent to me.

Meet with realtors, attend open houses. Networking groups with my realtors. Attend closings with my customers. Knowledge of loan products and guidelines.

• Originated loans and assisted senior-level credit officers with complex loan applications.
• Analyzed applicants' financial status, credit and property evaluation to determine feasibility of granting loan.
• Effectively managed more than 1000 client relationships.
• Determined appropriate rate locks, issuance of disclosures, overage and underage waivers and fee waivers.
• Educated customers on variety of loan products and available credit options to promote valuable decision-making.
• Provided expert financial advice on mortgage loans
• Performed daily maintenance of loan applicant database.
• Executed the loan origination process, including ordering credit reports, appraisals and preliminary title reports.

• Maintained high level of customer satisfaction by providing prompt and accurate loan status updates.
• Enhanced client retention by providing outstanding service throughout the mortgage process, from pre-approval to closing.
• Assisted clients in selecting correct loan product and terms to meet needs and financial goals.
• Collaborated with underwriting and processing teams to resolve issues and expedite loan approvals.

• Analyzed applicants' financial status, credit and property evaluation to determine feasibility of granting loan.
• Educated customers on variety of loan products and available credit options to promote valuable decision-making.
• Assisted senior-level credit officers with complex loan applications.
• Adhered to regulatory and company security and audit procedures.
• Prioritized accounts based on total amount owed and credit bureau reports. 
• Researched banking guidelines and statutory requirements to stay updated on new laws and applications.
• Interviewed customers to determine reasons for delinquency, source of income and next pay date to build solutions for financial issues.
• Gathered required information from customers for settlement reviews and followed up on management determined results.
• Delivered prompt, accurate and excellent customer service.

• Developed and maintained relationships with local real estate agents.
• Monitored loan serving agreements and loan covenants to ensure compliance.
• Complied applications and paperwork and double-checked for accuracy. 
• Determined appropriate rate locks, issuance of disclosures, overage and underage waivers and fee waivers.
• Achieved proper compliance and accurate executive level reporting.
• Developed a base of 1000 clients through networking and seminar marketing.
• Provided expert financial advice on mortgage and both educational and personal loans.
• Executed the loan origination process, including ordering credit reports, appraisals and preliminary title reports.
• Delivered prompt, accurate and excellent customer service.
• Interviewed customers to determine reasons for delinquency, source of income and next pay date to build solutions for financial issues.
• Researched banking guidelines and statutory requirements to stay updated on new laws and applications.
• Adhered to regulatory and company security and audit procedures.
• Analyzed applicants' financial status, credit and property evaluation to determine feasibility of granting loan.
• Originated loans and assisted senior-level credit officers with complex loan applications.
• Educated customers on variety of loan products and available credit options to promote valuable decision-making.