Nancy Frate
Rochester,NY
Summary
Experienced with mortgage origination, underwriting, and risk assessment. Utilizes comprehensive knowledge of loan processing to ensure compliance and client satisfaction. Track record of fostering strong relationships with clients and colleagues.
Overview
21
21
years of professional experience
Work History
Senior Mortgage Loan Officer
Premium Mortgage Corporation
02.2012 - Current
- Participated in industry events to stay current on trends and changes within the mortgage lending landscape.
- Provided exceptional customer service throughout the loan process by addressing questions and concerns promptly.
- Minimized default risk by closely monitoring borrower payment patterns and initiating proactive loss mitigation strategies when necessary.
- Developed strong relationships with borrowers, and real estate agents, ensuring timely communication throughout the entire loan process.
- Contributed to the development of marketing materials and strategies, increasing visibility and attracting new clients.
- Assisted first-time homebuyers in understanding the mortgage process, enhancing their overall experience.
- Collaborated with real estate agents, attorneys, title companies, and other professionals to expedite loan approval processes.
- Streamlined loan application process for faster response times and improved customer satisfaction.
- Increased loan approvals by efficiently assessing and evaluating borrower financial profiles.
- Maintained in-depth knowledge of mortgage products and guidelines to provide accurate information to clients.
- Conducted comprehensive credit analyses to identify potential issues and offer appropriate solutions for borrowers.
- Communicated with clients, processing teams and other third parties to achieve prompt loan closings.
Vice President of Mortgage Lending
Hunt Mortgage
01.2005 - 01.2012
- Improved underwriting processes to reduce turnaround time for loan approvals, enhancing customer experience and loyalty.
- Enhanced communication channels between departments, fostering collaboration in achieving organizational goals related to mortgage lending operations.
- Negotiated favorable terms with investors and secondary market partners for optimal pricing on mortgage loans.
- Established strong relationships with real estate agents, leading to increased referral business and long-term partnerships.
Education
Associate of Science - Accounting
Alfred State College
Alfred, NY05-1982
Skills
- Loan origination expertise
- Communication and interpersonal skills
- Risk assessment
- Credit analysis proficiency
Timeline
Senior Mortgage Loan Officer
Premium Mortgage Corporation
02.2012 - Current
Vice President of Mortgage Lending
Hunt Mortgage
01.2005 - 01.2012
Associate of Science - Accounting
Alfred State College
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