Nicole Beck
Hilton,NY
Summary
Results-Driven professional in financial services domain, bringing valuable experience to loan origination and client relationship management. Proven ability to navigate complex financial regulations and deliver effective loan solutions. Known for collaborative teamwork and adaptability in dynamic environments, ensuring reliable and results-oriented service. Skilled in financial analysis, regulatory compliance, and client communication.
Overview
9
9
years of professional experience
Work History
Loan Specialist/Senior Team Leader
RP Professionals Services LLC / SBA Contractor
04.2022 - 09.2024
- Reduced turnaround time for loan approvals by efficiently managing workload and prioritizing tasks.
- Enhanced customer satisfaction levels with clear communication and timely follow-ups on loan applications.
- Conducted comprehensive reviews of 7a loans and commercial loan documents, evaluating complex factors to ascertain SBA's collateral rights.
- Managed a diverse portfolio of loans, balancing risk management with excellent customer service delivery.
- Conducted Credit Analysis of Federal Tax return and Financial Statements such as 1040 schedule C Profit and loss statement, 1165, Non-profit statements 940 and 941. Schedule A, K1, 4506T and Form 1120.
- Processed Guaranteed Purchases for Paycheck Protection Program Loans. Reviewed all documentation provided, verified for accuracy from the lender to comply with all PPP loan program requirements for SBA to honor its guaranty and purchase of 100% of the outstanding balance of the PPP loan.
Loan Specialist /Senior Team Leader
Highlight Technologies LLC / SBA Contractor
04.2020 - 04.2022
- Reduced turnaround time for loan approvals by efficiently managing workload and prioritizing tasks.
- Enhanced customer satisfaction levels with clear communication and timely follow-ups on loan applications.
- Conducted comprehensive reviews of 7a loans and commercial loan documents, evaluating complex factors to ascertain SBA's collateral rights.
- Managed a diverse portfolio of loans, balancing risk management with excellent customer service delivery.
- Conducted Credit Analysis of Federal Tax return and Financial Statements such as 1040 schedule C Profit and loss statement, 1165, Non-profit statements 940 and 941. Schedule A, K1, 4506T and Form 1120.
- Processed Guaranteed Purchases for Paycheck Protection Program Loans. Reviewed all documentation provided, verified for accuracy from the lender to comply with all PPP loan program requirements for SBA to honor its guaranty and purchase of 100% of the outstanding balance of the PPP loan.
Mortgage Loan Officer
Commonfund Mortgage Group
07.2018 - 11.2019
- Maintained high level of customer satisfaction by providing prompt and accurate loan status updates.
- Assisted clients in selecting correct loan product and terms to meet needs and financial goals.
- Analyzed loan applications and credit reports to determine loan eligibility and risk level.
- Followed up with clients on missing loan documents, providing guidance on best way to complete application process.
- Collaborated with underwriting and processing teams to resolve issues and expedite loan approvals.
- Communicated with clients, processing teams and other third parties to achieve prompt loan closings.
- Increased loan approval rates by efficiently managing pipeline and maintaining strong relationships with borrowers, realtors, and underwriters.
- Developed extensive network of referral partners to source new mortgage loan opportunities.
Mortgage Loan Officer
Hunt Mortgage
04.2017 - 06.2018
- Assessed borrowers'' financial situations to determine appropriate mortgage products and loan structure.
- Enhanced client retention by providing outstanding service throughout the mortgage process, from pre-approval to closing.
- Negotiated favorable terms on behalf of clients, ensuring their long-term financial success with their mortgage loans.
- Delivered timely updates on loan status, communicating proactively with all parties involved in each transaction.
- Participated in industry events and conferences to build relationships and gain market intelligence.
- Customized marketing materials aimed at attracting potential mortgage applicants within specific target markets.
- Negotiated favorable loan terms with lenders, achieving cost savings for clients and increasing competitiveness of our offerings.
Mortgage Loan Officer
Movement Mortgage
10.2016 - 03.2017
- Managed risk effectively by adhering closely to compliance guidelines during all stages of the loan origination process.
- Participated in ongoing professional development programs to continuously expand knowledge of the mortgage industry and enhance skills as a loan officer.
- Implementing effective time management techniques allowed me to consistently exceed monthly sales targets while maintaining high-quality customer service standards.
- Developed strong partnerships with local real estate agents to generate consistent referral sources for mortgages.
- Explained different types of loans pertaining to client situations.
Mortgage Loan Officer
Xceed Federal Credit Union
08.2015 - 09.2016
- Maintained a comprehensive knowledge of current industry trends and regulatory changes to provide expert guidance for clients.
- Utilized CRM software proficiently for tracking leads, organizing client information, and planning follow-up communications.
- Developed and implemented marketing campaigns to generate new business opportunities.
- Streamlined loan processing times, implementing efficient document management systems.
- Collaborated with underwriting teams to ensure smooth loan approval processes, minimizing delays and client dissatisfaction.
Education
High School Diploma -
Eastridge High School
Rochester, NYMortgage Loan Originator License - NMLS # 62495 -
Pro Schools
11-2016
Skills
- Client loan assessment
- Results-driven
- Credit analysis
- Knowledge of residential mortgage regulations
- Detailed document analysis
- Pipeline management
Timeline
Loan Specialist/Senior Team Leader
RP Professionals Services LLC / SBA Contractor
04.2022 - 09.2024
Loan Specialist /Senior Team Leader
Highlight Technologies LLC / SBA Contractor
04.2020 - 04.2022
Mortgage Loan Officer
Commonfund Mortgage Group
07.2018 - 11.2019
Mortgage Loan Officer
Hunt Mortgage
04.2017 - 06.2018
Mortgage Loan Officer
Movement Mortgage
10.2016 - 03.2017
Mortgage Loan Officer
Xceed Federal Credit Union
08.2015 - 09.2016
High School Diploma -
Eastridge High School
Mortgage Loan Originator License - NMLS # 62495 -
Pro Schools
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