Sarah Fulgoni
Senior Loan Processor
Yorba Linda,CA
Summary
Versatile loan processing professional specializing in customer service and bank standards. Excellent communicator and decision maker with a strong eye for detail and a proactive nature.
Overview
16
16
years of professional experience
Work History
Senior Loan Processor
New American Funding
09.2010 - 07.2023
- Collaborated with underwriting team to ensure accurate risk assessment and appropriate loan approvals.
- Mentored new hires within the loan processing team, fostering a culture of knowledge sharing and continuous improvement.
- Assisted in training junior loan processors, resulting in increased productivity across the team.
- Developed a comprehensive understanding of various lender guidelines which helped expedite loan approvals.
- Coordinated seamlessly with sales teams to ensure proper alignment of expectations and timelines between clients and internal departments.
- Conducted thorough borrower credit analysis to accurately assess financial stability and minimize default risks.
- Managed a high-volume pipeline of loans, consistently meeting deadlines and maintaining accuracy in documentation.
- Contributed to company growth by successfully managing an expanding portfolio of diverse loans.
- Established strong relationships with lenders, title companies, and borrowers for smooth loan transactions.
- Implemented quality control measures that resulted in reduced discrepancies within client files.
- Proactively identified potential issues within applications, taking necessary steps to rectify them before submission for approval.
- Consistently met or exceeded monthly performance metrics, contributing to overall team success in achieving departmental goals.
- Maintained compliance with federal regulations by meticulously reviewing all loan documents, ensuring accuracy, and completeness.
- Prepared documents for underwriting by verifying client income, credit reports, and other information.
- Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
- Processed loans within various departments to achieve timely, accurate, and fair proceedings.
- Assisted loan officers with origination and closing processes to fastrack procedures and promote teamwork.
- Developed and maintained relationships with customers and loan officers to establish smooth loan process.
- Stayed up to date on loan regulation changes, processing loan applications in compliance with current laws.
Junior Loan Processor
New American Funding
04.2012 - 02.2015
- Provided ongoing training to new hires within the department while sharing expertise among peers to foster a collaborative work environment.
- Reduced processing time for loan applications by maintaining organized files and promptly responding to inquiries.
- Utilized advanced software tools to efficiently manage large volumes of loan applications, reducing administrative burdens on team members.
- Maintained compliance with federal and state regulations by conducting thorough research and staying up-to-date on industry changes.
- Streamlined loan application process by implementing efficient documentation and data entry procedures.
- Ensured accuracy of loan documents by thoroughly reviewing all application materials and identifying discrepancies.
- Supported senior processors with complex loan files, ensuring timely completion and accurate information submission.
- Increased department efficiency by cross-training in various roles, providing backup support when needed.
- Identified potential issues within the loan pipeline early on, allowing for proactive resolution before impacting deadlines or client satisfaction.
- Worked closely with management to identify areas for improvement and implement strategies for enhanced efficiency, ultimately contributing to company growth.
- Assisted in streamlining internal processes for increased productivity, implementing new technologies or organizational systems as needed.
- Provided quick turnaround times to maintain fast-past schedule.
Production Assistant
New American Funding
09.2010 - 04.2012
- Facilitated clear communication between departments, ensuring smooth production operations.
- Provided comprehensive administrative support to Loan Officers so they could focus on building relationships with clients and generating new business opportunities.
- Increased loan application efficiency by streamlining documentation and verification processes.
- Managed customer relations, ensuring timely communication of loan status updates for increased client retention.
- Improved turnaround times for loan applications through effective prioritization and proactive problem-solving techniques.
- Proactively addressed potential roadblocks in the loan process, resulting in faster resolution of issues and higher client satisfaction rates.
- Streamlined communication channels between clients, Loan Officers, and underwriters to ensure timely updates and efficient information sharing.
- Continuously optimized internal processes by providing feedback on areas for improvement and recommending solutions, leading to increased team performance and efficiency.
- Reduced processing time by maintaining an organized system for tracking outstanding documents and followups.
- Supported loan processing by compiling applicant documentation such as credit reports, employment verifications, and financial history paperwork.
- Documented borrower's information in loan processing system and resolved any discrepancies.
- Communicated with customers daily to request information and complete paperwork.
- Set up files using loan officer checklist and submitted on-time for processing.
Customer Service Representative II
SchoolsFirst Federal Credit Union
04.2007 - 09.2010
- Supported branch management in achieving operational excellence through adherence to regulatory guidelines and internal procedures.
- Enhanced branch sales through cross-selling bank products and services to customers.
- Assisted customers in opening new accounts, facilitating a smooth onboarding process for new clients.
- Contributed to a welcoming branch environment by maintaining a clean and organized workspace for both staff members and customers alike.
- Conducted daily audits of cash drawer, ensuring accuracy and compliance with bank policies.
- Collaborated with team members to achieve monthly sales targets and provide exceptional service to customers.
- Exceeded personal sales goals consistently by proactively engaging with customers and identifying their financial needs.
- Balanced cash drawers accurately at the end of each shift, minimizing discrepancies in financial records.
- Managed high-volume transactions during peak hours while maintaining attention to detail, ensuring seamless customer experience.
- Identified fraudulent activities by diligently monitoring transactions and reporting suspicious activity to management.
- Resolved customer issues promptly, fostering positive relationships between the bank and its clients.
- Participated in ongoing professional development programs offered by the bank, staying up-to-date with industry trends and enhancing job performance.
- Educated customers on banking products, enabling them to make informed decisions about their finances.
- Established trust with clients by maintaining confidentiality and protecting sensitive financial information.
- Increased efficiency within the teller line by sharing best practices among colleagues, leading to shorter wait times for customers.
- Completed highly accurate, high-volume money counts via both manual and machine-driven approaches.
- Educated customers on use of banking website and mobile apps.
- Counted and packaged currency and coins.
- Assisted with training of new tellers on policies and procedures.
- Monitored and reported suspicious activity in line with bank security policies.
Education
No Degree - Child Development
Rancho Santiago Community College
Orange, CA 05.2001 -
High School Diploma -
El Dorado High School
Placentia, CA 05.2001 -
Skills
Processing procedures
undefinedTimeline
Junior Loan Processor
New American Funding
04.2012 - 02.2015
Senior Loan Processor
New American Funding
09.2010 - 07.2023
Production Assistant
New American Funding
09.2010 - 04.2012
Customer Service Representative II
SchoolsFirst Federal Credit Union
04.2007 - 09.2010
No Degree - Child Development
Rancho Santiago Community College
05.2001 -
High School Diploma -
El Dorado High School
05.2001 -
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