Rhonda Y. West
Auburn
Summary
Seasoned Loan Originator with strong background in the financial sector. Possesses deep understanding of loan origination processes, including processing, underwriting, appraisal and title review. Demonstrates consistent track record in maintaining compliance with all lending regulations and procedures. Strengths include innovative problem-solving capabilities, effective communication skills, and strategic customer relationship management to maximize business growth potential.
Overview
24
24
years of professional experience
Work History
LOAN ORIGINATOR/PROCESSOR
Several Sources
Auburn
01.2002 - Current
- Built referral business by meeting with local financial planning, home builders and real estate professionals.
- Educated customers on variety of loan products and available credit options to promote valuable decision-making.
- Answered customer inquiries involving rates, products and loan application status to facilitate quality customer service.
- Managed pipeline for originated loans through closing and complete required management reports.
- Executed loan origination process and ordered credit reports, appraisals and preliminary title reports.
- Analyzed applicants' financial status, credit and property evaluations to determine feasibility of granting loans.
- Tracked and managed new leads and followed up on referral business.
- Approved loan within specified limits or referred to appropriate approval level.
- Improved loan applications and documentation by informing applicant of additional requirements.
- Obtained and compiled copies of loan applicants' credit histories, corporate financial statements and other financial information to update credit and loan files.
- Recommended loan approvals and denials based on customer loan application reviews.
- Adhered to federal and state compliance guidelines relative to retail mortgage lending.
- Maximized company profitability with appropriate pricing of new loan originations, fee income and selling of products and services.
- Delivered high levels of customer service to facilitate smooth processes.
- Reviewed sales contracts to confirm completeness and accuracy.
- Developed and maintained knowledge of available loan products, processing procedures and underwriting and general departmental guidelines.
- Communicated with title companies and attorneys to balance CD and release loan closing documents.
- Provided exceptional customer service by responding promptly to inquiries and requests for assistance.
- Collaborated with underwriters to resolve issues and expedite loan approval processes.
- Resolved file problems, bottlenecks and qualified issues throughout underwriting process.
Education
Bachelor of Science - Criminal Justice
Sam Houston State University
Timeline
LOAN ORIGINATOR/PROCESSOR
Several Sources
01.2002 - Current
Bachelor of Science - Criminal Justice
Sam Houston State University