Summary
Overview
Work History
Education
Skills
Certification
Timeline
Manager

Patricia Kidd

Reno,Nevada

Summary

Experienced in coordinating tasks, staff and milestones to verify completion, quality and compliance with company and regulatory requirements. Detail-oriented and precise with a steadfast and dependable nature. Competent with managing multiple tasks in high-volume Mortgage settings focused on helping professionals complete up to 150 projects each quarter. Knowledgeable about serving customer needs, applying industry best practices and maintaining exceptional standards. Computer-savvy and willing to learn to handle diverse office needs. Excels under pressure and flexes easily with changing demands. Dedicated administrative professional with experience in popular systems and software. Friendly employee with strong customer service and issue resolution skills. Detail-oriented professional reliable in completing accurate work. Careful to check and verify documentation to prevent errors and minimize rework. Highly-motivated employee with desire to take on new challenges. Strong worth ethic, adaptability and exceptional interpersonal skills. Adept at working effectively unsupervised and quickly mastering new skills. Hardworking employee with customer service, multitasking and time management abilities. Devoted to giving every customer a positive and memorable experience. Committed job seeker with a history of meeting company needs with consistent and organized practices. Skilled in working under pressure and adapting to new situations and challenges to best enhance the organizational brand.

Overview

19
19
years of professional experience
1
1
Certification

Work History

Funder II

Guild Mortgage Company
Reno, Nevada
05.2015 - 02.2022
  • Reviewed client documentation and contracts for discrepancies and mistakes.
  • Updated client account information and records in company databases.
  • Stayed abreast of lending regulations, industry trends and market rates.
  • Reviewed loan agreements to verify completeness and accuracy according to applicable policies.
  • Collaborated with company teams to expedite loan approval processes.
  • Managed and resolved concerns, problems or issues to avoid closing delays.
  • Handled pipeline of active deals in closing stage.
  • Partnered with advisors and other parties to collect information to satisfy closing conditions.
  • Reviewed title commitment and insurance policies to support pre-closing documentation.
  • Read and interpreted loan and legal documentation.
  • Completed final closeout of systems after loan funding.
  • Reviewed loan applications and supporting documentation for completeness and compliance.
  • Scheduled loans with attorneys to close within expiration dates.
  • Tracked and reconciled trailing documentation to prepare files for shipping.
  • Liaised between front line and lender or portfolio manager and underwriting.
  • Prepared and audited loan file documents for long-term file maintenance.
  • Worked with legal counsel, lender and title company to receive loan approval.

Loan Officer Assistant

South Pacific Mortage
Reno, Nevada
08.2014 - 03.2015
  • Performed administrative tasks such as creating status reports on loans in progress, photocopying loan documents, printing daily mortgage rate sheets and answering phones.
  • Met with borrowers, took applications, distributed disclosures, ordered and reviewed title commitments and executed detailed follow-up through closing to verify completed requirements.
  • Analyzed loan files and reviewed client income, assets and credit to verify compliance to specific underwriting criteria and input new loans into designated software.
  • Ordered, prepared and verified documents necessary for loan to close in compliance, on time and without last-minute surprises.
  • Maintained up-to-date knowledge and compliance with internal policies and procedures and verified adherence to state and federal laws, rules and regulations affecting loan institutions.
  • Liaised between borrowers and realtors, title companies and loan company management.
  • Prepared complete packages to be sent to underwriting with a thorough understanding of each investor's stacking order and shipping.
  • Contacted previous clients to verify satisfaction with process and service and to offer additional support and wrote personal thank you notes to clients and listing agents.
  • Worked with third-party vendors to address and clear loan closing requirements.
  • Interviewed loan applicants to obtain personal and financial data and assist in completing applications.

Mortgage Banker

Bank of America
Reno, Nevada
03.2012 - 03.2014
  • Assessed financial means and desires of each client in order to set up appropriate mortgage packages.
  • Met with new clients and completed pre-qualification procedures.
  • Identified lending risks and implemented strategies to reduce loan defaults.
  • Analyzed applicants' financial status, credit and property evaluations to determine feasibility of granting loans.
  • Verified applicant information by consulting with outside agencies, credit bureaus and businesses.
  • Developed and maintained relationships with local real estate agents.
  • Helped clients fill out loan applications and find ideal loan options.
  • Met with applicants to obtain information for loan applications and answer questions about loan process.
  • Informed customers of application deadlines, approvals and denials.
  • Analyzed applicant financial and credit status, evaluating assets and risk to determine loan feasibility.
  • Reviewed client documentation and contracts for discrepancies and mistakes.
  • Located and suggested loan packages that met client needs and priorities.
  • Stayed abreast of lending regulations, industry trends and market rates.
  • Assessed feasibility of loan approval by reviewing financial histories, available credit and current employment.
  • Reviewed loan agreements to verify completeness and accuracy according to applicable policies.

Customer Service Manager

The Hartford
Reno, NV
02.2009 - 03.2012
  • Established positive rapport with customers, managers and customer service team members to maintain positive and successful work environment.
  • Maintained knowledge of company products and services to promptly resolve complaints and concerns.
  • Demonstrated excellent communication skills in resolving product and consumer complaints.
  • Provided outstanding service to new and long-standing customers by attending closely to concerns and developing solutions.
  • Assisted staff with resolving complex customer issues and implementing targeted solutions.
  • Responded to phone and online customer service requests within designated turnaround time to improve customer satisfaction ratings.
  • Upheld quality control policies and procedures to increase customer satisfaction.
  • Investigated sensitive customer service complaints and delivered prompt resolution to customer satisfaction.
  • Delivered continuous training to associates to maximize performance and customer relations skills.
  • Led team engagement to assist cross-functional departments and achieve goals.
  • Conducted training and offered staff development opportunities to decrease process lags.
  • Relayed customer feedback to cross-functional teams to improve products and services.
  • Conducted research and reviewed findings to solve customer issues.
  • Rolled out operational improvements and solutions to deliver top-notch customer service.

Senior Mortgage Loan Closer

Countrywide Mortgage
Reno, NV
06.2003 - 11.2008
  • Verified applicant information by consulting with outside agencies, credit bureaus and businesses.
  • Reviewed client documentation and contracts for discrepancies and mistakes.
  • Updated client account information and records in company databases.
  • Reviewed loan agreements to verify completeness and accuracy according to applicable policies.
  • Stayed abreast of lending regulations, industry trends and market rates.
  • Collaborated with company teams to expedite loan approval processes.
  • Scheduled closing meeting after gathering and preparing loan package documentation.
  • Verified accuracy of information on mortgage documents.
  • Promoted strong commitment to productive loan processing by following up with necessary parties and quickly resolving issues.
  • Delivered high level of service to every loan stakeholder through effective communication and explanation of closing documentation.

Education

High School Diploma -

Eustis High School
Eustis, FL
05.1988

Some College (No Degree) - Political Science

University of Florida
Gainesville, FL

Skills

  • Financial Markets
  • Financial Statements
  • Portfolio Management
  • Due Diligence
  • Data Management
  • Performance Assessment and Improvement
  • Process Improvement
  • Verbal and Written Communication
  • Attention to Detail
  • Staff Management
  • Document Analysis
  • Oral and Written Comprehension
  • Microsoft Office
  • Market Analysis
  • Property Evaluation
  • Customer Service
  • NMLS Registration
  • Tax Liability Calculation
  • Regulatory Compliance
  • Customer Service-Focused
  • Customer Relations
  • Regulatory Disclosure Preparation
  • Remote Video Conferencing
  • Report Preparation
  • Loan Processing Coordination
  • Loan Feasibility Assessment
  • Data Entry
  • Collections Management
  • Active Listening and Learning
  • Database Management
  • Analytical and Critical Thinking
  • Loan File Maintenance
  • Decision-Making
  • Complex Problem Solving
  • Automated Underwriting System (AUS)
  • Eligibility Determination
  • Bank Security Issues
  • Tracking Spreadsheets
  • Administrative Support
  • Document Coordination
  • Schedule Maintenance
  • Administrative Expertise
  • Logistics Management
  • Operations Support
  • Information Gathering
  • Meeting Coordination
  • Billing and Invoicing
  • Database Administration
  • Meeting Scheduling
  • Database Entry
  • Quality Assurance
  • Business Correspondence Writing
  • Team Support
  • Presentation Development
  • Telephone Etiquette
  • Mail Routing
  • File Management
  • Scheduling and Calendar Management
  • Schedule Management

Certification

  • Certified Project Management Professional, Project Management Institute/ University of Nevada, Reno - 2023

Timeline

Funder II

Guild Mortgage Company
05.2015 - 02.2022

Loan Officer Assistant

South Pacific Mortage
08.2014 - 03.2015

Mortgage Banker

Bank of America
03.2012 - 03.2014

Customer Service Manager

The Hartford
02.2009 - 03.2012

Senior Mortgage Loan Closer

Countrywide Mortgage
06.2003 - 11.2008

High School Diploma -

Eustis High School

Some College (No Degree) - Political Science

University of Florida
Patricia Kidd