Olga Noe
Sulphur Springs,TX
Summary
Accomplished Loan Officer dependable in building customer base and exceeding business goals. Well-versed in loan products and customer engagement strategies. Pursues opportunities to build connections, increase bank revenue and develop long term relationships with customers.
Overview
28
28
years of professional experience
Work History
Mortgage Loan Originator
Alliance Bank
09.2016 - Current
- Worked with underwriters to fix application problems and resolve issues.
- Prepared documents for customers, submitting and overseeing through each step of closing process.
- Interviewed applicants to assess loan requirements before suggesting offers.
- Assisted clients in selecting correct loan product and terms to meet needs and financial goals.
- Developed extensive network of referral partners to source new mortgage loan opportunities.
- Communicated with clients, processing teams and other third parties to achieve prompt loan closings.
- Participated in industry events and conferences to build relationships and gain market intelligence.
- Approved loan applications based on customer creditworthiness and provided detailed financial advice.
- Identified opportunities to cross-sell and upsell loan products to customers.
- Researched and updated industry knowledge on changing legislation and regulations.
- Explained different types of loans pertaining to client situations.
- Updated borrowers through each step of loan application, approval and closing processes while remaining attentive to customer needs.
Mortgage Loan Underwriter
Alliance Bank
01.2012 - 09.2016
- Evaluated loan applications, determining creditworthiness, assessing risk and establishing loan conditions.
- Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
- Approved or denied loans based on established criteria and underwriting guidelines.
- Maintained mortgage program compliance with federal agencies such as VA, HUD, and FNMA.
- Reviewed appraisals and title documents to verify accuracy and completeness.
- Worked with processing team members to communicate errors and obtain missing information for current applications.
- Collaborated with loan officers and processors to obtain additional information and resolve discrepancies.
- Negotiated and communicated with loan officers, processors and loan applicants to reach satisfactory loan terms.
Mortgage Loan Processor
Alliance Bank
01.2003 - 01.2012
- Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
- Handled any conditions sent from underwriting departments.
- Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
- Communicated with originator and applicant concerning progress of loan file.
- Coordinated closing process with attorneys, title companies, and government clerks.
- Prepared file for final clear-to-close by branch management.
- Upheld complete confidentiality of all submitted information according to release guidelines.
- Collected and compiled paperwork such as title abstracts, insurance paperwork, loan files and tax histories.
- Consulted with outside vendors to identify and resolve loan closing issues.
- Prepared loan documents and explained terms to clarify loan conditions and requirements with applicants.
Teller
Alliance Bank
07.2000 - 09.2002
- Balanced cash drawer daily and resolved discrepancies.
- Answered customer inquiries regarding account balances, transaction history, services charges.
- Processed customer transactions promptly, minimizing wait times.
- Disbursed cash and checks accurately while maintaining security of cash drawers.
Office Administrator
Sulphur Springs Country Club
01.1996 - 11.2000
- Interacted with club members by phone, email, or in-person to provide information.
- Reconciled account files and produced monthly reports.
- Completed payroll
- Optimized organizational systems for payment collections, AP/AR, deposits, and recordkeeping.
- Organized meetings for board members.
Education
Office Management Certificate - Office Management
Northeast Texas Community College
Mount Pleasant, TX05.1996
Skills
- Credit Check Knowledge
- Real Estate Lending Processes
- Microsoft Office
- Government Lending
Languages
English
Spanish
Timeline
Mortgage Loan Originator
Alliance Bank
09.2016 - Current
Mortgage Loan Underwriter
Alliance Bank
01.2012 - 09.2016
Mortgage Loan Processor
Alliance Bank
01.2003 - 01.2012
Teller
Alliance Bank
07.2000 - 09.2002
Office Administrator
Sulphur Springs Country Club
01.1996 - 11.2000
Office Management Certificate - Office Management
Northeast Texas Community College
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