MOLLY RIDER

• Performed hands-on service tasks in assigned areas to successfully fulfill goals and objectives.
• Participated in staff meetings to facilitate program planning, goal setting and implementation.
• Offered caring companionship and emotional support.
• Observed and monitored children's activities.
• Supported children's development by encouraging teamwork and understanding of others.

• Adhered to federal and state compliance guidelines relative to retail mortgage lending.
• Developed and maintained knowledge of available loan products, processing procedures and underwriting and general departmental guidelines.
• Delivered high levels of customer service to facilitate smooth processes.
• Educated customers on variety of loan products and available credit options to promote valuable decision-making.
• Tracked and managed new leads and followed up on referral business.
• Performed daily maintenance of loan applicant database.
• Obtained and compiled copies of loan applicants' credit histories, corporate financial statements and other financial information to update credit and loan files.
• Researched investor guidelines and kept up to date on program changes that affected loan processing or origination.
• Answered customer inquiries involving rates, products and loan application status to facilitate quality customer service.
• Managed pipeline for originated loans through closing and complete required management reports.
• Improved loan applications and documentation by informing applicant of additional requirements.
• Built referral business by meeting with local financial planning, home builders and real estate professionals.
• Reviewed loan agreements to confirm completeness and accuracy.
• Executed loan origination process and ordered credit reports, appraisals and preliminary title reports.
• Collaborated with underwriters to expedite loan approvals and close deals in a timely manner.
• Cultivated lasting relationships with satisfied clients that led to repeat business as well as referrals from friends or family members.
• Received Award for rate of closed loans.
• Managed a diverse portfolio of loans while maintaining strong relationships with borrowers and referral partners.
• Leveraged social media platforms to promote loan products, significantly increasing online applications.
• Helped customers make decisions about loans and lines of credit based on availability, terms and benefits.
• Identified valuable solutions for customers with credit problems.
• Met with applicants to obtain information for loan applications and answer questions about processes.
• Analyzed applicant financial and credit status, evaluating assets and risk to determine loan feasibility.
• Informed customers of loan application requirements and deadlines.
• Located and suggested loan packages that met client needs and priorities.
• Stayed abreast of lending regulations, industry trends and market rates.

• Received Award for rate of closed loans.
• Helped customers make decisions about loans and lines of credit based on availability, terms and benefits.
• Met with applicants to obtain information for loan applications and answer questions about processes.
• Reviewed loan agreements to verify completeness and accuracy according to applicable policies.
• Identified valuable solutions for customers with credit problems.
• Analyzed applicant financial and credit status, evaluating assets and risk to determine loan feasibility.
• Collaborated with company teams to expedite loan approval processes.
• Informed customers of loan application requirements and deadlines.
• Developed loan contracts and explained contract terms to clients.
• Stayed abreast of lending regulations, industry trends and market rates.
• Located and suggested loan packages that met client needs and priorities.
• Reviewed client documentation and contracts for discrepancies and mistakes.
• Updated client account information and records in company databases.

• Created, updated and maintained social media and website pages, maintained marketing databases and introduced computerized process to keep in regular contact with borrowers.
• Set and confirmed appointments with clients, realtors and business partners and initiated marketing contact with new leads and realtors.
• Monitored loan progress from application to closing, keeping all parties informed.
• Provided quotes and loan status updates to clients in a timely manner.
• Conducted follow-up with clients to ensure satisfaction post-closing.
• Maintained client files and ensured compliance with lending regulations.
• Analyzed loan files and reviewed client income, assets and credit to verify compliance to specific underwriting criteria and input new loans into designated software.
• Assisted in preparing loan application packages for submission to underwriting.
• Met with borrowers, took applications, distributed disclosures, ordered and reviewed title commitments and executed detailed follow-up through closing to verify completed requirements.
• Responded to inquiries from clients and lenders regarding loan status.
• Monitored purchase loans for due diligence, financed contingency and closing date expiration and tracked pipeline for refinances.
• Performed administrative tasks such as creating status reports on loans in progress, photocopying loan documents, printing daily mortgage rate sheets and answering phones.
• Coordinated communication between loan officers, clients, and underwriting staff.
• Identified and resolved issues that arose during the loan application process.
• Contacted previous clients to verify satisfaction with process and service and to offer additional support and wrote personal thank you notes to clients and listing agents.
• Liaised between borrowers and realtors, title companies and loan company management.
• Generated estimates clients requested, sent pre-approval letters to agents and confirmed receipt of verification of employment documentation.
• Ensured accurate data entry of loan application information into system.
• Compiled and verified financial documents necessary for loan processing.
• Maintained up-to-date knowledge and compliance with internal policies and procedures and verified adherence to state and federal laws, rules and regulations affecting loan institutions.
• Assisted in analyzing applicants' financial status, credit, and property evaluations.
• Provided administrative support to loan officers, including scheduling and document management.
• Managed loan application pipeline to ensure timely processing of all loans.
• Facilitated the collection of additional documentation required for loan approval.
• Assisted in marketing and outreach efforts to attract new clients.
• Managed and updated client databases to ensure accuracy of contact and loan information.
• Coordinated appraisal orders and obtained necessary title work for loan processing.
• Ordered, prepared and verified documents necessary for loan to close in compliance, on time and without last-minute surprises.

• Exceeded sales targets consistently by identifying new business opportunities and creating customized solutions for clients.
• Listened to customer needs to identify and recommend best products and services.
• Managed multiple accounts simultaneously while maintaining organization and prioritizing tasks efficiently.
• Boosted client satisfaction by developing and maintaining strong relationships through effective communication.
• Provided exceptional customer service, addressing client concerns promptly and effectively to ensure long-term loyalty.
• Maintained up-to-date knowledge on product offerings, ensuring accurate representation during sales pitches or negotiations with clients.
• Delivered informative presentations to potential clients, showcasing the unique value of products or services offered.
• Drove successful product launches, coordinating with marketing and product development teams to ensure alignment with customer needs.

• Conducted system analysis and testing to identify and resolve technical issues or inefficiencies.
• Demonstrated strong problem-solving skills, resolving issues efficiently and effectively.
• Updated and maintained databases with current information.
• Developed customized reports for management, providing clear insights into Secondary Market performance metrics.
• Performed due diligence on investor guidelines and requirements, ensuring compliance while optimizing loan sale opportunities.
• Enhanced Secondary Market trading strategies by analyzing market trends and implementing data-driven solutions.
• Assisted in the development of hedging strategies to mitigate interest rate risk, protecting company profits from market fluctuations.

• Ability to collaborate effectively with team members to support Top 5 leading producers in the company
• Managing a team of processors and loan officers making sure a loan moves through the pipeline smoothly
• Differentiated the company from other mortgage companies in a highly competitive market by selling the commitment to customer service and building personal relationships
• Enhanced customer satisfaction by efficiently processing loan applications and addressing inquiries.
• Contributed to generating monthly revenues that consistently exceeded goals
• Decreased application errors with thorough review and verification of documentation.
• Worked with clients throughout all phases of loan closing, including interviewing/counseling applicants and analyzing their financial status to determine individual mortgage needs as well as feasibility of granting a loan
• Served as the liaison between clients and loan processing to ensure that all underwriting conditions were met and loans were closed on schedule
• Received Award for rate of closed loans.
• Identified valuable solutions for customers with credit problems.
• Reviewed loan agreements to verify completeness and accuracy according to applicable policies.
• Reviewed client documentation and contracts for discrepancies and mistakes.
• Informed customers of loan application requirements and deadlines.
• Updated client account information and records in company databases.
• Developed loan contracts and explained contract terms to clients.
• Stayed abreast of lending regulations, industry trends and market rates.
• Developed key customer relationships to increase sales.

GPA: 3.8/4.0