Misty Nixon

• Managed cash registers efficiently, ensuring accurate transactions, balancing drawers daily (overage/shortage never exceeded $5.00 per company policy.
• Ordered inventory every Tuesday and shelved accordingly upon delivery.
• Responded to customer concerns, working with manager to significantly raise customer satisfaction ratings.
• Provided weekly work schedules to employees to accommodate business demands and vacation requests.
• Verified inventory counts remained within monthly tolerance levels and compiled financial data in compliance with budget.
• Developed and maintained strong relationships with vendors to facilitate timely product delivery.
• Monitored daily cash discrepancies, inventory shrinkage and drive-off.
• Scheduled employees for shifts, taking into account customer traffic and employee strengths.
• Supervised creation of exciting merchandise displays to catch attention of store customers.

• Reviewed loan files to ensure completeness, identified any missing documentation, and created lists of conditions for applicants. Managed conditions received from underwriting.
• Provided exceptional customer service by addressing borrower concerns and resolving issues immediately. Ensured accuracy of client information, verifying data collected during application process and updating records as needed.
• Prepared comprehensive reports to management detailing key performance indicators related to loans processed, approved, denied, or withdrawn.
• Provided quick turnaround times to maintain fast-paced schedule managing pipeline over 100 plus loans.
• Coordinated closing process with attorneys, title companies and government clerks.

Key Accomplishments

• Obtained Lending Authority to underwrite and clear loans for closing.
• Conducted credit analyses on applicants to assess risk levels prior to approval decisions ensuring all loans met compliance and fraud assessments.
• Streamlined workflow processes for increased productivity within the team while maintaining high quality output.
• Contributed to departmental goals by meeting or exceeding monthly quotas for loan approvals and fundings.

• Initially hired as Loan Processor and promoted to Operations Manager within 4 months.
• In charge of all operations including planning, scheduling and reviewing all loans prior to underwriting ensuring compliance checks and fraud review.
• Delegated loan pipeline to processing team daily.

Key Accomplishments

• Based upon the branch's ability to process a high volume of business, selected by corporate to integrate pilot programs and procedures while maintaining a consistent loan closing deadline goal of 12 to 21 days.
• Supervised team of employees, fostering a positive work environment and emphasizing professional growth. Achieved loan processing level of 27 plus loans a month for each processor.
• Improved branch efficiency by streamlining operations and implementing new processes. Created two touch underwriting process which increased loan production by 43%.
• Contributed to ongoing process improvements that led to increased efficiency across various aspects of branch operations aiding the Puyallup Branch to maintain top 5 of all PRMG branches in the country.

• Reviewed loan files for completeness, identified missing documentation, and generated condition lists for applicants.
• Prepared documents for underwriting by verifying client income, credit reports, and other information.
• Evaluated approvals against established bank and government lending standards.
• Assured an open and consistent dialogue with title and escrow companies, loan officers and customers so loans were closed and funded within stated timeframes.
• Requested settlement statements from title/escrow to prepare CD's.
• Prepared and sent loan documents to escrow, balanced closing disclosure for fundings and requested wires to ensure timely closings.

Key Accomplishments

• Assisted top producing loan officer continually processing a pipeline of approximately 35 loans with an average of $15M closed per month.
• Proactively developed and enhanced process to submit CDs on conditional loan approvals received from underwriting, minimizing any conflicts for month end closings.
• Tracked loan status and updated applicant information to inform lenders of changes to applicants' financial situation.
• Contacted customers via mail, telephone and email to relay acceptance or rejection of applications.
• Proactively identified potential issues within applications, taking necessary steps to rectify them before submission for approval.

• Monitored daily branch activities, applying strong leadership talents and problem-solving skills to maintain team efficiency and organize workflows to meet any daily demand.
• Prepared cash flow projections, cost analysis and monthly, quarterly and annual reports.
• Created welcoming branch atmosphere by maintaining cleanliness, organization, and visually appealing displays of promotional materials.
• Responded to customer concerns, working with manager to significantly raise customer satisfaction ratings.

Key Accomplishments

• Expertly managed a pipeline of over 200 complex loan packages including 2 builder accounts.
• Profound attention to detail to ensure funding goals were met with average closings of $10.5M per month.
• Complied with regulatory guidelines and requirements.

• Directed, organized and controlled closing functions for sites in multiple states.
• Encouraged atmosphere of teamwork by supporting staff and fostering cooperation and trust through fairness and consistency.
• Managed employee performance reviews providing constructive feedback leading to higher team morale and improved performance.

Key Accomplishments

• Provided detailed training to new hires and led a team in proper closing procedures.
• Ensured that workflow was carried out in an efficient and timely manner and consistently met deadlines for closings.
• Able to increase overall production by 25% resulting in the hiring of two additional team members.

• Processed and underwrote Veterans Administration (VA) loans for the purchase and refinancing of residential properties through a contract with Aerotek Agency.

Key Accomplishments

• Secured sole underwriting authority following the flawless processing of 25 loans.
• Successfully completed the underwriting and closing of 176 VA loans, achieving a satisfaction rating of 90% or higher from USAA members.