Michael Lalanne
Riverside
Summary
Dynamic Home Equity Loan Processor with a proven track record at Brookline Bank, excelling in document review and credit analysis. Enhanced application workflows, improving processing speed and client satisfaction. Adept at multitasking and fostering teamwork, I consistently ensured compliance while mentoring junior staff and streamlining communication across departments.
Overview
24
24
years of professional experience
Work History
Home Equity Loan Processor
Brookline Bank
10.2015 - Current
- Processed home equity loan applications, ensuring compliance with regulations and internal policies.
- Reviewed financial documentation for accuracy, verifying borrower eligibility and creditworthiness.
- Coordinated communication between clients, underwriters, and closing agents to facilitate timely loan approvals.
- Streamlined application workflows by implementing improved procedures for document collection and processing.
- Mentored junior processors on best practices in loan processing and customer service techniques.
- Streamlined communication between departments, ensuring smooth progress of loan applications from origination to closing.
- Assisted borrowers in understanding complex financial information, simplifying the home equity loan process for them.
- Continuously improved personal performance by seeking feedback from peers and supervisors, adjusting work habits accordingly to enhance productivity and client satisfaction.
- Maintained organized electronic filing systems, allowing for easy retrieval of loan documents as needed.
- Analyzed borrower credit reports and income statements to verify accuracy.
- Set up and completed loan submission packages.
- Handled any conditions sent from underwriting departments.
Loan Processor
RBS Bank
06.2005 - 10.2014
- Processed mortgage applications, ensuring compliance with regulatory standards and company policies.
- Reviewed financial documents to verify applicant information and assess loan eligibility.
- Implemented process improvements that streamlined application workflows and reduced turnaround times.
- Contributed to the success of the mortgage team by providing essential support in the areas of loan documentation review, data entry, and client communication.
- Maintained accurate records of loan processing activities and documents in CRM system.
- Coordinated closing process with attorneys, title companies, and government clerks.
- Reviewed financial statements and contacted institutions and customers to clarify details.
- Assisted underwriters in approving loans by verifying financial information and ensuring accurate documentation.
- Optimized workflow management by prioritizing high-priority tasks and meeting strict deadlines consistently.
- Ensured compliance with federal lending regulations through meticulous attention to detail during the loan processing phase.
- Provided exceptional customer service while guiding borrowers through the entire loan process from pre-qualification to closing.
- Enhanced client satisfaction by providing timely updates on their mortgage loan status and addressing concerns promptly.
- Expedited mortgage approval times by proactively resolving any discrepancies in borrower documentation.
Loan Processor
Soverign Bank
05.2003 - 05.2005
- Processed loan applications, ensuring compliance with regulatory requirements and internal policies.
- Reviewed financial documents for accuracy, mitigating risks associated with loan underwriting.
- Collaborated with underwriters to resolve discrepancies and streamline approval processes.
- Managed client communication throughout loan lifecycle, enhancing customer satisfaction and retention.
- Conducted thorough documentation audits, ensuring completeness before final submission to underwriting.
- Implemented quality control measures to improve processing speed and reduce errors in documentation.
- Reviewed loan files for completeness, identified missing documentation, and generated condition lists for applicants.
- Managed multiple loans simultaneously ensuring timely completion of each task assigned without compromising on compliance or quality standards.
- Increased customer satisfaction with timely responses to inquiries and providing thorough explanations of loan processes.
Telebanking Associate
Soverign Bank
04.2002 - 05.2003
- Assisted in processing customer transactions efficiently and accurately.
- Supported branch operations by managing daily cash flow and balancing tills.
- Engaged with customers to identify banking needs and recommend appropriate solutions.
- Collaborated with team members to enhance customer service experience.
- Maintained up-to-date knowledge of bank products, services, and policies for effective support.
- Executed administrative tasks including filing, data entry, and appointment scheduling.
- Increased customer satisfaction by resolving complex issues and providing exceptional service at all times.
- Monitored account activity to ensure compliance with regulatory requirements and internal policies.
Education
Bachelor of Arts - Business Administration
Sacred Heart University
Fairfield, Connecticut, CTSkills
- Document review
- Credit analysis
- Appraisal review
- Pipeline management
- Loan processing
- Policy adherence
- Closing coordination
- Title review
- File auditing
- Processing procedures
- File management
- Generating reports
- Contract finalization
- Financial document review
- Information verification
- Legal compliance
- Proficient in [software]
- Appraisal compilation
- Loan processing expertise
- Preparing applications
- Credit evaluation
- Teamwork
- Time management
- Attention to detail
- Problem-solving abilities
- Multitasking
- Problem-solving
- Adaptability and flexibility
- Customer communication
Timeline
Home Equity Loan Processor
Brookline Bank
10.2015 - Current
Loan Processor
RBS Bank
06.2005 - 10.2014
Loan Processor
Soverign Bank
05.2003 - 05.2005
Telebanking Associate
Soverign Bank
04.2002 - 05.2003
Bachelor of Arts - Business Administration
Sacred Heart University