Serina Sutherland
Oak Park
Summary
Experienced financial services professional with over 20 years of experience in mortgage lending, consumer credit analysis, and financial sales, including loan origination, underwriting review, and compliance oversight. Proven ability to analyze borrower financial profiles, evaluate credit risk, and support responsible lending decisions while maintaining strict adherence to lending policies and regulatory guidelines. Skilled in collaborating with clients and internal teams to facilitate efficient loan processing, portfolio growth, and exceptional customer service. Adept at working in fast-paced financial environments while maintaining accuracy and attention to detail.
Overview
27
27
years of professional experience
Work History
Real Estate Agent
Real Estate One
Royal Oak
02.2017 - Current
- Analyzed client financial profiles and lending qualifications to facilitate informed home purchasing decisions.
- Coordinated with lenders, underwriters, and title companies to secure timely loan approvals and ensure compliant closings.
- Manage real estate transactions including contract negotiation, documentation review, and closing coordination.
- Ensure all transactions comply with state and federal housing and lending regulations.
- Built and maintained strong client relationships through effective networking, targeted marketing, and strategic referral generation.
Client Relations Advocate (Contract)
Quicken Loans Mortgage Company
Detroit
10.2019 - 01.2020
- Guided borrowers in resolving inquiries on loan status, mortgage processing, and loan disbursement to enhance customer understanding.
- Navigated customers through Rocket Mortgage platform, addressing concerns to improve user experience.
- Maintained strict confidentiality and compliance with financial privacy and security regulations.
- Ensured accurate information and timely follow-up on loan inquiries to bolster customer satisfaction.
Inside Sales Supervisor
North American Bancard / Capital for Merchants
Troy
06.2008 - 10.2016
- Generated and managed B2B financing opportunities for small businesses, enabling access to working capital through future receivables.
- Evaluated financial data to determine eligibility for funding solutions.
- Supervised and trained sales and support staff to improve performance and compliance with lending guidelines.
- Maintained and monitored pipeline of financing applications, identifying and leveraging opportunities for portfolio growth.
- Led sales strategy initiatives, driving revenue growth and enhancing client acquisition efforts.
Co-Owner / Mortgage Broker
Delta Financial Group
St. Louis
05.2006 - 01.2008
- Analyzed borrower financial information including income documentation, credit reports, and debt-to-income ratios to determine loan eligibility.
- Coordinated communications among borrowers, lenders, and underwriters, ensuring timely loan approvals and enhancing customer satisfaction.
- Explained loan disclosures including Good Faith Estimates and Truth in Lending documentation.
- Developed and nurtured B2B referral networks with real estate professionals and financial partners, driving consistent lead generation and business growth.
- Trained new loan officers and processors on underwriting guidelines and loan procedures.
Senior Mortgage Consultant
CD Adams Financial
St. Louis
05.2005 - 05.2006
- Originated and processed wholesale mortgage loans from application to closing, ensuring compliance with regulations and client satisfaction.
- Reviewed financial documentation to assess creditworthiness and loan qualification.
- Achieved company sales targets through strategic business development and referral relationships.
- Developed targeted marketing initiatives for real estate professionals and borrowers, enhancing brand visibility and client engagement.
Senior Mortgage Loan Officer / Operations Manager
A Mortgage Solution
Sunset Hills
04.1999 - 05.2005
- Reviewed loan files and documentation to ensure compliance with lending standards and regulatory requirements, reducing risk of regulatory violations.
- Analyzed credit reports, financial statements, and borrower documentation to determine loan viability.
- Audited loan files for compliance and accuracy before submission to underwriting, enhancing approval process reliability.
- Implemented training programs for loan officers and support staff, fostering improved operational efficiency and team cohesion.
Education
Bachelor of Science - Business Administration
Mississippi Valley State University
Itta Bena, MSSkills
- Mortgage Loan Automated Underwriting Systems
- Credit Risk Analysis
- Indirect & Consumer Lending Support
- Loan Documentation Review
- Financial Statement Analysis
- Regulatory Compliance & Lending Policies
- Client Relationship Management
- Pipeline Management
- Salesforce CRM
- Microsoft Office Suite
- Problem Solving & Decision Making
- Communication & Client Support
Awards
- Top 25% Agent Award, 2021
- GOLD Agent Award, 2020, 2022, 2023
- Million Dollar Round Table Award, 2018
- North American Bancard All-Star Award
- Top Grossing Salesperson while serving as Supervisor
Licenses And Affiliations
- Licensed Mortgage Loan Originator, NMLS #2078750
- Greater Metropolitan Association of Realtors (GMAR)
- National Association of Realtors (NAR)
- National Association of Professional Women (NAPW)
Timeline
Client Relations Advocate (Contract)
Quicken Loans Mortgage Company
10.2019 - 01.2020
Real Estate Agent
Real Estate One
02.2017 - Current
Inside Sales Supervisor
North American Bancard / Capital for Merchants
06.2008 - 10.2016
Co-Owner / Mortgage Broker
Delta Financial Group
05.2006 - 01.2008
Senior Mortgage Consultant
CD Adams Financial
05.2005 - 05.2006
Senior Mortgage Loan Officer / Operations Manager
A Mortgage Solution
04.1999 - 05.2005
Bachelor of Science - Business Administration
Mississippi Valley State University