Nora Altman
Experienced Financial and Mortgage Professional
Oceanside,CA
Summary
Highly- motivated Processor with a desire to take on new challenges. Strong work ethic, adaptability, and exceptional interpersonal skills. Adept at working effectively unsupervised and quickly mastering new skills.
Overview
13
13
years of professional experience
Work History
Card Services Processor
Frontwave Credit Union
06.2023 - Current
- Provided comprehensive support to members, addressing inquiries related to plastic card services. Acted as a key resource for the Member Solutions Center and various branch locations, ensuring seamless card operations and customer satisfaction.
- Oversaw card activity and risk alerts, along with compromised card reports from Visa. Implemented proactive measures to detect and mitigate fraud, ensuring the security of card transactions.
- Managed cardholder transaction disputes and fraud claims following departmental KPIs and turnaround time standards. Ensured efficient and timely resolution of issues, contributing to customer satisfaction and trust.
- Evaluated and executed necessary actions for card reissuance, service blocking, or deletion. Ensured optimal service delivery in line with customer needs and organizational policies.
- Handled a variety of card reports including Work post Exceptions, ATM reconciliation, FICO alerts, CAMS, daily card issuance, rejected card records, status cards, bad address, Corporate Credit Card payments. Ensured accuracy and timely updates, contributing to efficient card management.
Funding Services Specialist III
California Coast Credit Union
08.2022 - 04.2023
- Demonstratesdexceptional ability to sustain high-volume output with precision
- Excels in multitasking by handling an average of 60-100 member interactions daily across different platforms like calls, emails, and in-person meetings. Ensures prompt resolution of inquiries while offering extensive knowledge about the company's offerings.
- Developed documentation for account opening and loan processing, including both in-person and electronic signatures.
- Maintained high standards for document accuracy and completion.
- Prepared membership and loan documents for imaging by generating barcodes if electronic process was not available
- Facilitated learning opportunities for branch and MSC staff by conducting scheduled training sessions, preparing comprehensive training guides, and overseeing shadowing activities.
- Drove customer satisfaction by promptly responding to queries, swiftly resolving issues, and delivering in-depth product information.
Loan Processor II
loanDepot
06.2021 - 07.2022
- Responsible for overseeing a diverse portfolio of 35-90 loans.
- Analyzed borrower's credit profile, collateral, and capacity to repay the proposed mortgage obligation.
- Facilitated seamless coordination among Sales, Title, Escrow Funding, and Borrowers.
- Conducted thorough evaluation of credit, income, and title reports; successfully managed loan pipeline by collecting stipulations through final approval and reviewing associated documents
- Delivered accurate and compliant Revised Loan Estimates and Interim disclosures.
- Maintained compliance with company SLA's and regulatory service levels by preparing, validating, communicating, and delivering Closing Disclosures.
- Adhered to agency and government guidelines to ensure loan eligibility.
- Collaborated with title companies to verify file completeness before underwriting hand-off, leading to successful and hassle-free closing process.
Mortgage Loan Processor I
San Diego County Credit Union
07.2011 - 06.2021
- Analyzed financial data such as income, assets, liabilities, and credit history to determine risk factors associated with each loan application.
- Prepared closing documents, including title policies, deeds, and other related items.
- Verified that all conditions of the loan have been met before disbursement of funds.
- Communicated regularly with customers throughout the entire process from origination through closing.
- Coordinated activities between lenders, attorneys, realtors, and insurance companies.
- Reviewed HUD-1 settlement statements before closings.
- Submitted detailed loan packages to underwriting department to facilitate approval or denial processes.
- Ensured timely completion and submission of reports to efficiently manage loan application pipeline.
- Contacted credit bureaus, employers and other sources to check applicants' credit and personal references.
Education
Business Administration -
Mira Costa College
01.2025
Skills
- Appraisals
- Title Examination
- Credit evaluation
- Loan processing expertise
- Pipeline Management
- Mortgage Software Proficiency
- Friendly, Positive Attitude
- Decision-Making
- Customer Relations
- Organization and Time Management
- Excellent Communication
- Exceptional attention to detail
Accomplishments
- Chosen by my department to serve as the team leader for our Diversity, Equity, Inclusion (DEI), and Culture initiatives at Frontwave Credit Union.
- Granted the Phi Theta Kappa Honor Society Certificate, 2024, Mira Costa College.
- Funded an average of 30-50 mortgage loans per month.
- Exceeded monthly department and individual sales goals consistently while cross-selling beneficial protection products.
- Top sales producer in the Funding department for AMPs, GAP, MRC, and insurance products at California Coast CU.
- 2022 Winner of Funding Service Contest at California Coast CU with 67 protection products sold from 11/21/22-01/07/22.
- 2021 Team Recognition Award at loanDepot.
- Outperformed company average in achieving a loan-processing turnaround time of 20 days or less (compared to typical 35 days) at loanDepot.
- Processed challenging loan applications (e.g., first-time borrowers, self-employed applicants, FHA, and borrowers with problematic credit histories).
References
Available upon request.
Timeline
Card Services Processor
Frontwave Credit Union
06.2023 - Current
Funding Services Specialist III
California Coast Credit Union
08.2022 - 04.2023
Loan Processor II
loanDepot
06.2021 - 07.2022
Mortgage Loan Processor I
San Diego County Credit Union
07.2011 - 06.2021
Business Administration -
Mira Costa College
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