Patricia Michelle Jones
Oxford,MS
Summary
Manages high-volume loan paperwork in dynamic environments with high production, approval and customer relations targets. Expertise includes reviewing and validating personal, employment, and financial histories for each applicant. Self-motivated and reliable with excellent teamwork, problem-solving and organizational skills.
Overview
27
27
years of professional experience
Work History
Loan Assistant
BankFirst (formerly Mechanics Bank)
10.2023 - Current
- Ordered information such as credit reports, environmental assessments, and property appraisals.
- Collaborated with Loan Officers to ensure accurate documentation and compliance with lending regulations.
- Managed multiple priorities simultaneously while consistently meeting deadlines for loan closings and disbursements.
- Maintained organized records, facilitating efficient retrieval of information for audits and regulatory examinations.
- Provided excellent customer service during the loan process, from initial inquiry to closing, ensuring a seamless experience for clients.
- Assisted in maintaining a high level of customer satisfaction by addressing concerns and providing timely responses to inquiries.
- Assist four loan officers to review, process and close loans in a timely manner
Loan Processor/Originator
Mechanics Bank
08.1997 - 10.2023
- Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
- Ensured accuracy of client information, verifying data collected during the application process and updating records as needed.
- Assisted clients in understanding complex financial documents required for completing their loan applications successfully.
- Reviewed loan files for completeness, identified missing documentation, and generated condition lists for applicants.
- Set up and completed loan submission packages.
- Assisted loan officers with origination and closing processes to fastrack procedures and promote teamwork.
- Prepared documents for underwriting by verifying client income, credit reports, and other information.
- Promoted a positive work environment through effective communication skills and teamwork initiatives.
- Increased customer satisfaction with timely responses to inquiries and providing thorough explanations of loan processes.
- Educated first-time homebuyers regarding various mortgage options available, enabling them to make informed financial decisions.
- Monitored pipelines to track and log status of loans.
- Proactively identified solutions for customers experiencing credit issues.
- Collaborated with underwriters to ensure timely and accurate loan decisions for clients.
- Collaborated with Loan Officer to ensure completing "needs list' was completed decreasing processing delays by over 15%.
Education
Master of Arts - Social Work
Jackson State University
Jackson, Mississippi12.2023
Bachelor of Business Administration -
University of Southern Mississippi
Hattiesburg, MS12.1994
Skills
- Team Collaboration
- Compliance knowledge
- Credit analysis
- Customer Service
- Problem-solving abilities
References
Dr. Karen Davidson Smith
Clinical Associate Professor
University of Mississippi School of Education
662-801-4859
kvdavids@olemiss.edu
Dr. Germain McConnell
Chief of Staff
Oxford School District
gmaconnell91@gmail.com
Michelle Mason
Senior Mortgage Advisor
First Commerical Bank
mmason@firstcommericalbk.com
Timeline
Loan Assistant
BankFirst (formerly Mechanics Bank)
10.2023 - Current
Loan Processor/Originator
Mechanics Bank
08.1997 - 10.2023
Master of Arts - Social Work
Jackson State University
Bachelor of Business Administration -
University of Southern Mississippi