Montoya Wiley
Mobile
Summary
Hardworking employee with customer service, multitasking, and time management abilities. Devoted to giving every customer a positive and memorable experience.
Overview
14
14
years of professional experience
4
4
years of post-secondary education
Work History
Mortgage Loan Officer
Tyndall Federal Credit Union
Mobile
07.2024 - Current
- Guided clients in selecting optimal mortgage options and terms tailored to their financial needs.
- Provided guidance on various types of mortgages such as FHA loans, VA loans, conventional loans.
- Conducted credit analyses to assess borrower qualifications.
- Analyzed customer financial data, including income, assets, and liabilities, to assess loan feasibility and recommend suitable financing solutions.
- Evaluated loan applications for accuracy and completeness.
- Reviewed documents for accuracy
- Resolved borrower inquiries and concerns promptly.
- Collaborated with real estate agents to streamline transaction processes and enhance client satisfaction.
- Identified and resolved issues
- Organized tasks efficiently
- Assisted customers with inquiries
- Research Fannie Mae and Freddie Mac guidelines daily
- Analyzed complex situations
Universal FSR
Tyndall Federal Credit Union
Mobile
08.2021 - 07.2024
- Open and close branch daily.
- Handled cash, balanced drawer hourly, and booked loans daily to meet monthly goals while enhancing customer financial positions.
- Managed daily collections to maintain balance between growth and repayments, ensuring branch objectives were met.
- Executed marketing and solicitation strategies to drive business growth.
- Facilitated team collaboration by assisting coworkers in completing tasks and resolving issues.
- Keeping a positive attitude and exceptional customer service.
Loan Specialist
OneMain Financial
Mobile
09.2017 - 08.2021
- Collaborated with clients to assess financial needs and deliver customized loan solutions.
- Evaluated loan applications to determine borrower eligibility and risk factors.
- Coordinated with underwriting teams to expedite loan processing and approvals.
- Trained new staff on loan processing procedures and customer service standards to enhance team performance.
- Develop relationships with customers, open and close loans, collection calls, solicitation calls, review credit reports, sell insurance, marketing, based on inquiries online or in person put customers in the best financial position possible.
Assistant Manager
Security Finance
Saraland
01.2016 - 09.2017
- Built customer relationships to improve service quality.
- Managed daily operations to ensure compliance with financial regulations.
- Trained and mentored staff on customer service best practices.
- Assisted in developing strategic plans for business growth initiatives.
Assistant Manager
Check into Cash
01.2013 - 01.2016
- Greeted and assisted customers with financial needs, processed daily bank transactions, opened and closed accounts, ran daily reports, submitted monthly audits, made collection calls, processed titles, and maintained updated logs in Etaps.
- Assisted by taking on extra shifts across various locations to uphold operational continuity.
- Managed daily operations to ensure efficient service delivery and customer satisfaction.
- Trained and mentored staff on company policies and customer interaction techniques.
- Assisted in developing strategies to improve workflow and operational efficiency.
Lead Cashier
Dollar Tree
01.2012 - 01.2013
- Managed opening and closing procedures for the store to maintain security.
- Greeted customers and assisted with selections to enhance shopping experience.
- Maintained inventory and set new planograms while handling cash transactions.
Education
High School -
Mary G Montgomery High School
Mobile, AL 05.2006 - 05.2010
Skills
- Mortgage analysis
- Credit assessment
- Loan structuring
- Loan assessment
- Customer Service
- Mortgage underwriting
- Adaptability
- Client Relationship Management
References
- Kourtni Cavette, (251) 490-6234
- Cindy Keas, (251) 591-8474
Timeline
Mortgage Loan Officer
Tyndall Federal Credit Union
07.2024 - Current
Universal FSR
Tyndall Federal Credit Union
08.2021 - 07.2024
Loan Specialist
OneMain Financial
09.2017 - 08.2021
Assistant Manager
Security Finance
01.2016 - 09.2017
Assistant Manager
Check into Cash
01.2013 - 01.2016
Lead Cashier
Dollar Tree
01.2012 - 01.2013
High School -
Mary G Montgomery High School
05.2006 - 05.2010