Nicholas Graf

• Worked with underwriters to fix application problems and resolve issues.
• Reviewed loan files and updated to match current standards.
• Oversaw scheduling of timely loan closing to satisfy home builder and borrower needs.
• Explained different types of loans pertaining to client situations.
• Implemented sales strategies that established relationships with realtors and CPAs.
• Fielded customer complaints and provided solutions.
• Established plans and payoffs for customers' loans, prioritizing control of overall costs.
• Assisted clients with improving financial health by counseling on issues such as excessive spending and borrowing.
• Proactively identified solutions for customers experiencing credit issues.
• Compiled closing packages for drafting and presentation accuracy.

• Worked with underwriters to fix application problems and resolve issues.
• Reviewed loan files and updated to match current standards.
• Oversaw scheduling of timely loan closing to satisfy home builder and borrower needs.
• Fielded customer complaints and provided solutions.
• Explained different types of loans pertaining to client situations.
• Implemented sales strategies that established relationships with realtors and CPAs.
• Explained very technical financial information to applicants in easy to understand language.
• Monitored pipelines to track and log status of loans.
• Proactively identified solutions for customers experiencing credit issues.
• Supervised loan personnel and motivated to maintain customer service and performance standards.
• Assisted clients with improving financial health by counseling on issues such as excessive spending and borrowing.
• Established plans and payoffs for customers' loans, prioritizing control of overall costs.
• Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.

• Explained very technical financial information to applicants in easy to understand language.
• Proactively identified solutions for customers experiencing credit issues.
• Worked with underwriters to fix application problems and resolve issues.
• Explained different types of loans pertaining to client situations.
• Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
• Exceeded goals through effective task prioritization and great work ethic.

• Monitored loan serving agreements and loan covenants to ensure compliance
• Complied applications and paperwork and double-checked for accuracy
• Developed and maintained relationships with local real estate agents
• Submitted applications to credit analysts
• Approved loans that met specifications
• Determined appropriate rate locks, issuance of disclosures, overage and underage waivers and fee waivers
• Educated customers on variety of loan products and available credit options to promote valuable decision-making
• Performed daily maintenance of loan applicant database
• Analyzed applicants' financial status, credit and property evaluation to determine feasibility of granting loan
• Executed loan origination process, including ordering credit reports, appraisals and preliminary title reports

• Market loan products and services offered to individuals within the real estate community. 

• Take and complete mortgage application and obtain all documents from borrower needed to complete the loan process. 

• Evaluate loan request, review credit and pre-approving borrowers.

• Market loan products and services offered to individuals within the real estate community.
• Take and complete mortgage application and obtain all documents from borrower needed to complete the loan process.
• Evaluate loan request, review credit and pre-approving borrowers.

• Assists Loan Officer in preparing preliminary loan applications and packages for processing by obtaining missing documentation and other information from customers.
• Utilizes information gathered by the Mortgage Loan Originator to prequalify customers, including income analysis and best product selection.
• Responds to customers’ general questions regarding policy and procedures in the absence of the Loan Officer excluding all licensable activity.
• Updates customers, real estate agents, and titles companies on the loan’s progress.
• Maintains Loan Officers’ databases of customer information.
• Performs other administrative tasks, such as faxing, emailing, making telephone calls, to support the Loan Officer.
• Performs other duties as assigned.

• Maintains proficiency in driving skills. 

• Is responsible for completing all reports relating to transportation

• Ensures safety and care of students boarding, riding, and departing school bus.

• Maintains a high standard of student conduct at all times. 

• Reports infractions of school bus safety rules to the principal or designee.

• Obeys all traffic laws and school bus regulations while operating the school bus.

• Performs daily pre-trip and post-trip inspections; complies with       standards of bus cleanliness.

• Performs other duties and responsibilities as assigned by supervisor.