Sandra Neider

Hello! My name is Sandra.

I am a results-driven mortgage professional with over 25 years of experience in administrative, customer service and consumer and mortgage lending roles. Proven ability to streamline operations and strengthen client relationships. Seeking a new opportunity to leverage expertise in customer service, mortgage lending, and regulatory compliance to ensure positive experiences.

Always delivering what I call My "Diamond Standard" of customer service to every client and partner.

I am seeking to find a Senior-level position in the Mortgage Lending; FinTech; or Banking Industry in medium to large established company. Available for PST business hours.

My perfect fit: Find a role that offers a positive and diverse customer-centric culture that supports personal growth and development and encourages work-life balance.

MY SUPERPOWERS:

🌠 Agility and Flexibility (Adaptive to change) - I easily embrace new responsibilities, challenges, or changing priorities. "Switching gears" comes naturally to me.

🌠 Strength and Resilience (Determined and Persistent)- I believe that change is part of life. It's an opportunity to grow and to "Just keep going."

🌠 Mind Reading (Empathetic)- I strive to understand what it is like to be the client, or colleague to discover their concerns, or needs to best help them succeed. "Building relationships is key."

🌠 X-ray Vision (Perceptive and Meticulous)- I have an Eye for Detail and the Ability to analyze a situation or challenge. " Puzzles or complex loans are a breeze."

• Communications: Microsoft Word, Excel, Teams, Skype | Zoom | Cisco Jabber Tableau | Zix Secure Email | Google Docs
• Internet: Gmail | Microsoft Outlook | Internet Explorer CORE (Company Software Interface)
• Mortgage Risk Level Underwriting: DU/Fannie Mae | LP/Freddie Mac QM/Non-Qualified Mortgage | ShareFile | Salesforce

Community Volunteer | Area Affiliate Event Volunteer - Pancreatic Cancer Action Network 2008 - 2010

• CONV
• QM / Non QM / Non Conventional
• FHA
• VA

• Communication Foundations - LinkedIn - 2023
• Building Rapport with Customers - LinkedIn - 2023
• Customer Experience: Service Blueprinting - LinkedIn - 2023
• Accelerating Your Career with Personal Branding - LinkedIn - 2023
• SalesForce Essential Training - LinkedIn - 2023
• Mastering Self Leadership - LinkedIn - 2023
• Four Simple Strategies to Boost Creativity and Productivity - LinkedIn - 2023
• Making Remote Work Work - LinkedIn - 2023
• Annual company trainings - Wells Fargo - 2012-2023

Renee Morganson, Mortgage Lending Operations Manager, Wells Fargo Home Mortgage,

ReneeMorganson@gmail.com

Sandra Neider was my direct report for the last 4 years. Her top skills include:

• Pipeline management
• Customer service
• Quality
• Mortgage guideline knowledge

Sandra is a very detail-oriented, knowledgeable, and professional loan processor who has dedicated her entire career to the mortgage financial industry. During her career, Sandra has adapted to extremely complex changes (especially in technology and regulations) while demonstrating her expertise with every loan transaction. In addition, her communication with internal and external customers is unparalleled.

*****

Laurie Poretti, Area Processing Manager, Retired / Formerly Wells Fargo Home Mortgage,

Laurie.Poretti@gmail.com

Sandra Neider was my direct report for 2 years (2017 - 2018). She also reported to me previously in another location for about a year. Sandra completes very thorough and detailed reviews of each mortgage loan file assigned to her. Her focus on consistently high-quality submissions to underwriting results in faster loan closes, high customer satisfaction, and excellent performance review metrics in many areas. In addition, she reliably manages her own pipeline of both purchase and refinance mortgage loan applications from assignment through ready for closing. She always focuses on the borrowers first to ensure their loan closes on time. Her performance ratings speak for themselves:

• In 2017, Sandra's year-end Net Loyalty score exceeded company expectations of 75%+. Additionally, her year-end Close on Time score met the company's high expectations at 93.2%.
• In 2018, Sandra's year-end Net Loyalty rating again exceeded company expectation of 75%; her average was 78%. In addition, she met company expectations in Quality Loan Submissions and ended the year at 92% in overall file quality.

*****

Leissa Hetherington, Mortgage Loan Processor, Precision Home Loans,

tlcbr@comcast.net

• Sandra Neider and I worked on the same mortgage loan processing team at Wells Fargo Home Mortgage for about 8 years. Sandra is adaptive and adjusts to change and challenges with ease. She is also able to handle even the most complex mortgage loans. In addition, Sandra's adherence to corporate procedures and guidance enables her to identify any potential questions that could arise in underwriting after initial submission. Sandra always puts the customer first, and she prides herself in treating each customer and partner as if they are the only one she is working with.

*****

Sandra Morgan, Mortgage Loan Processor 5 (LO), Wells Fargo Home Mortgage,

Morg.Sandra@gmail.com

• Sandra Neider performs superbly in team settings. Her knowledge of mortgage loan processing is impressive; she has worked on purchase and refinance transaction mortgage loans in multiple states. She also has previous experience with government loans. When I worked with Sandra, she was always ready to step in to help me or another teammate with any questions or situations with their loans. Sandra is a great listener and communicates with all partners, teammates, and clients clearly and concisely - whether verbally or in writing. She can be counted upon to provide understandable, valuable responses.

Annual Company Trainings (Wells Fargo 2002-2010 & 2012-2023)

S.A.F.E, NMLSR (Wells Fargo Home Mortgage) company sponsored certification 2017-2023

Notary Public of the State of California (Wells Fargo Financial) company sponsored 2005-2010

• Customer Service Excellence, Achieved a 100% NPS in 03/23, up from 94.74% to 97.14% by the end of 12/22 through enhanced post-funding experiences within my mortgage pipeline. This accomplishment drove stronger client relationships, customer satisfaction, overall service quality, and supported operational growth.
• Operational Excellence/Funding, Consistently funded 10-15+ loans per month, scaling to 25 during peak periods, while managing extra loan pipelines during team absences. Enhanced document accuracy, reducing underwriting review times and improving overall process efficiency.
• Regulatory Compliance, Increased branch inspection score from 97% to 97.64% by contributing to 2021-2022 audits, enhancing compliance and operational efficiency. Completed annual regulatory compliance training, ensuring ongoing adherence to industry standards.
• Adaptability & Time Management, Excelled in remote work (PST, 03/20 - 05/23), maintaining high customer service levels, driving productivity, and reducing overhead costs. Skilled in task prioritization, working under pressure, and collaborating effectively both independently and with teams.

* Special Projects:

Apr 2012 - PresentApr 2012 - PresentSymphony for Youth Education: A Legacy of Empowering Future MusiciansSymphony for Youth Education: A Legacy of Empowering Future Musicians

• Since 2012, I have honored my parents' legacy by donating to Youth Music Monterey. My parents, long-time San Francisco Bay Area residents and San Francisco Symphony subscribers for 25 years, moved to Monterey Peninsula in the mid-90s. My stepmom became president of the Youth Music Monterey Angel Network, where she passionately supported music education. After her passing and later my father’s in 2011, I decided to continue their legacy by donating their San Francisco Symphony tickets to Youth Music Monterey.
  
  Each year, I donate a package of Symphony tickets for students to experience world-class performances, ensuring the continuation of music education in the community. My siblings supported the idea, though my husband and I manage this project and budget. Our budget We fund this project year after year on our income. Now this might have to change due to my lack of employment .
  
  What is the action or ask of project: I prepare a detailed document each year, outlining concert dates, composers, and our family’s story.
  
  What is the response : The response has been overwhelmingly positive, with thank-you letters from students, staff, and parents. We've also been invited to youth events and appreciation ceremonies, and though we can’t always attend, the gratitude shown has been immensely rewarding.
  
  This legacy project has thrived for over 12 years, and we are proud to help foster youth music appreciation in Monterey.

• Youth Music Monterey, Monterey CA
• Alumni Heald College