Summary
Overview
Work History
Education
Skills
Hobbies:
Work Availability
Work Preference
Timeline
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Michael Gray

Mortgage loan Processor
Terrebonne,OR

Summary

Versatile loan processing professional specializing in customer service and bank standards. Excellent communicator and decision maker with a strong eye for detail and a proactive nature.

Self-motivated and reliable with excellent teamworks, flexible when needed.

Organized and dependable at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals. Knowledgeable and dedicated customer service professional with extensive experience in Banking industry. Solid team player with outgoing, 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.

Overview

35
35
years of professional experience

Work History

Mtg. Loan Processor Personal Banker, CSR, Teller

WAFD Bank / South Valley Bank & Trust
Redmond, OR
09.2000 - 11.2023
  • Readied Truth-in-Lending Disclosures for loan applicants, delivering important information about loan APR and repayment terms.
  • Processed mortgage loan applications accurately and successfully for over 8 years.
  • Affirmed loan document accuracy to protect lenders from potential loss, i.e. Interest Rate, Fee's, correct document forms are chosen.
  • Continued review of all Mortgage Regulations, quarterly.
  • Upheld complete confidentiality of all submitted information according to release guidelines.
  • Skilled at working independently and collaboratively in a team environment.
  • Proven ability to learn quickly and adapt to new situations.
  • Demonstrated respect, friendliness and willingness to help wherever needed.
  • Excellent communication skills, both verbal and written.
  • Developed rapport with customers through active listening skills, leading to higher retention rates and positive feedback from clients.
  • Provided excellent customer care by responding to requests, assisting with product selection and handling ordering functions.

Teller / Loan Secretary

Community First Bank / Prineville Bank
06.1989 - 08.2000
  • Balanced cash drawer daily and resolved discrepancies to provide accurate data regarding cash flow.
  • Answered customer inquiries regarding account balances, transaction history, services charges, and interest rates.
  • Processed customer transactions promptly, minimizing wait times.
  • Disbursed cash and checks accurately while maintaining security of cash drawers.
  • Maintained in-depth knowledge of bank products and services to provide appropriate recommendations to customers.
  • Served as primary point of contact for customers, providing assistance with account maintenance and transactions.
  • Answered telephone inquiries on checking and savings accounts, loans, and lines of credit.
  • Maintained friendly and professional customer interactions.
  • Assisted customers with banking needs and inquiries.
  • Processed wide variety of retail banking transactions for personal and commercial customers.
  • Established rapport with new clients to increase satisfaction and loyalty.
  • Received mortgage, loan or public utility bill payments, verifying payment dates and amounts due.
  • Wrote and distributed customer correspondence.

Teller / Vault Teller

Bank Of The West
08.1988 - 05.1989
  • Balanced cash drawer daily and resolved discrepancies to provide accurate data regarding cash flow.
  • Counted, verified and handled bank deposits and armored car transactions.
  • Completed highly accurate, high-volume money counts via both manual and machine-driven approaches.
  • Maintained friendly and professional customer interactions.
  • Processed customer transactions promptly, minimizing wait times.
  • Disbursed cash and checks accurately while maintaining security of cash drawers.

Education

No Degree - Accounting And Finance

Central Oregon Community College
Bend, OR

Certificate of Completion - Airline Industry

International Air Academy
Vancouver, WA
08.1983

High School Diploma -

Lebanon High School
Lebanon, NH
06.1981

Skills

  • Appraisal Review
  • Credit Report Review
  • Residential Mortgage Lending Regulations
  • Information Verification
  • Data Entry
  • Attention to Detail
  • Loan Origination Software / Encompass
  • Team Collaboration
  • Loan Processing Expertise
  • Time Management
  • Pipeline Management
  • Document Review
  • Strong Communication
  • Policy Adherence
  • Regulatory Compliance
  • Organizational Skills
  • Bank Secrecy Act BSA
  • Regulatory Compliance
  • Data Entry
  • Active Listening
  • Customer Relations
  • Managing Multiple Tasks
  • Conflict Resolution
  • Professional Telephone Demeanor
  • Multi-Line Telephone Operation
  • Typing Proficiency
  • Office Equipment Proficiency
  • Customer Service
  • Recordkeeping Strengths
  • Policy and Procedure Adherence
  • Prioritization
  • 10-Key
  • Documentation

Hobbies:

I enjoy thrift store shopping, collecting antiques and showing my classic car, making stained glass windows.

Work Availability

monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Work Preference

Work Type

Full Time

Work Location

On-Site

Important To Me

Company CultureWork-life balanceHealthcare benefitsPaid sick leavePersonal development programsCareer advancement

Timeline

Mtg. Loan Processor Personal Banker, CSR, Teller

WAFD Bank / South Valley Bank & Trust
09.2000 - 11.2023

Teller / Loan Secretary

Community First Bank / Prineville Bank
06.1989 - 08.2000

Teller / Vault Teller

Bank Of The West
08.1988 - 05.1989

No Degree - Accounting And Finance

Central Oregon Community College

Certificate of Completion - Airline Industry

International Air Academy

High School Diploma -

Lebanon High School

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Michael GrayMortgage loan Processor