Michele L Betker
Nashville,TN
Summary
Productive, efficient administrative Support professional eager to contribute exceptional project management communication, client relation, and database administration skills.
Overview
8
8
years of professional experience
Work History
Loan Processor
Citizens Bank
04.2020 - Current
- Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
- Ensured accuracy of client information, verifying data collected during the application process and updating records as needed.
- Assisted clients in understanding complex financial documents required for completing their loan applications successfully.
- Reviewed loan files for completeness, identified missing documentation, and generated condition lists for applicants.
- Assisted loan officers with origination and closing processes to fastrack procedures and promote teamwork.
- Prepared documents for underwriting by verifying client income, credit reports, and other information.
- Promoted a positive work environment through effective communication skills and teamwork initiatives.
- Set up and completed loan submission packages.
- Increased customer satisfaction with timely responses to inquiries and providing thorough explanations of loan processes.
- Managed multiple loans simultaneously ensuring timely completion of each task assigned without compromising on compliance or quality standards.
- Collaborated with other departments including sales, underwriting, legal teams for seamless coordination during the entire loan cycle process.
- Improved loan processing efficiency by streamlining documentation and communication procedures.
- Provided quick turnaround times to maintain fast-past schedule.
- Developed and maintained relationships with customers and loan officers to establish smooth loan process.
- Strengthened relationships with clients through consistent follow-up calls and personalized attention to their needs.
- Maintained compliance with federal, state, and company regulations through regular review of updated guidelines.
- Provided exceptional customer service by addressing borrower concerns and resolving issues in a timely manner.
- Analyzed credit reports to determine eligibility of applicants and capacity for loan products.
- Handled any conditions sent from underwriting departments.
- Conducted credit analyses on applicants to assess risk levels prior to approval decisions.
- Utilized loan origination software to process and track loan applications.
- Facilitated communication with loan applicants, underwriters and loan officers to optimize process and maintain updated information.
- Processed loans within various departments to achieve timely, accurate, and fair proceedings.
- Facilitated successful loan closings by coordinating with underwriters, title companies, and attorneys throughout the process.
- Prepared comprehensive reports to management detailing key performance indicators related to loans processed, approved, denied, or withdrawn.
- Enhanced team collaboration by sharing best practices and providing constructive feedback on colleagues'' work.
- Streamlined workflow processes for increased productivity within the team while maintaining high quality output.
- Coordinated closing process with attorneys, title companies, and government clerks.
- Contributed to departmental goals by meeting or exceeding monthly quotas for loan approvals and fundings.
- Reduced processing time for loan applications by implementing an organized filing system.
- Advised loan officers to comply with loan guidelines and apply best practices.
- Streamlined loan processing system, significantly reducing processing times by implementing efficient documentation practices.
- Facilitated training sessions for new staff on loan processing procedures, improving team efficiency and accuracy.
- Achieved high client satisfaction scores by resolving queries and concerns promptly.
- Conducted detailed risk assessments for loan applications, leading to reduction in defaults.
- Managed portfolio of loan applications, ensuring compliance with regulatory standards and minimizing financial discrepancies.
- Conducted periodic reviews of loan agreements to identify and rectify discrepancies.
- Developed and maintained strong relationships with clients, resulting in increased repeat business.
- Improved customer satisfaction by providing timely updates and clear communication throughout loan application process.
- Enhanced loan approval rates by meticulously reviewing and verifying applicants' financial information.
- Negotiated terms with underwriters, achieving favorable loan conditions for clients.
- Optimized loan processing workflows, enabling team to handle higher volume of applications without compromising quality.
- Implemented digital filing system, enhancing security and accessibility of sensitive client information.
- Reduced errors in loan documentation by introducing comprehensive checklist for loan processors.
- Assisted clients in understanding complex loan agreements, ensuring clarity and transparency.
- Maintained up-to-date knowledge of market trends, allowing for adjustment of loan offerings to meet customer needs effectively.
- Collaborated with compliance department to stay updated on changing regulations, ensuring all processes remained compliant.
- Coordinated with real estate agents and attorneys to ensure accurate and timely closing of loans.
- Played key role in developing risk assessment model that accurately predicted potential loan delinquencies.
- Enhanced loan application experience for customers by integrating user-friendly online application features.
- Reduced processing times, enabling faster loan disbursements by refining coordination between processing and underwriting teams.
- Processed loan applications and monitored progress from start to finish.
- Evaluated loan requests and documents to verify accuracy and completeness.
- Monitored pipelines to track and log status of loans.
- Assisted customers with completing loan applications and other paperwork.
- Developed and maintained relationships with customers, lenders and other third parties.
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
Property Manager
Private Company
02.2017 - 12.2019
- Creating an annual operating budget: This task includes analyzing the building’s income and expenses over time...
- Collecting rents: A manager usually creates some system of collecting and accounting for rents.
- Setting rents: The manager examines the rents and vacancy rates for competing buildings in the area and either sets rental rates or recommends rates to the owner.
- Paying bills: A manager is typically responsible for paying bills for operating expenses and repairs and maintenance.
- Preparing periodic financial reports: These reports relate to the building’s financial condition and its income and expenses.
- Building maintenance requests for residents
- Resident leases and renewals.
- Building upkeeps with constant contact with vendors
- Showings and leasing
- Setting up apartment turns
- Filter Changes for all Residents
- Payroll for all Vendors
- Scheduling all property and resident needs
Education
Bachelor - Psychology
Dartmouth College
Hanover, NH06.1998
Skills
- Comprehensive knowledge of administrative operations ranging documentation processing and communications/report production and information management to appointment scheduling, client servici and high volume management
- Solid background in Human Resources including recruiting/ hiring, training, performance evaluation, benefits administration and payroll processing
- PC literate with proficiency in MS Word, MS Excel, Power Point
- Have effectively adapted skills and knowledge to diverse professional environments including Financial Services and Hospitality industries
- Teamwork and collaboration
- Information verification
- Regulatory compliance
Timeline
Loan Processor
Citizens Bank
04.2020 - Current
Property Manager
Private Company
02.2017 - 12.2019
Bachelor - Psychology
Dartmouth College