Shalaina O'Rear

• Process residential mortgage loans from initial application through funding and closing

• Review loan files for completeness, accuracy, and compliance with investor and regulatory guidelines

• Collect, analyze, and verify borrower income, assets, credit, and employment

• Order and review third-party documentation including appraisals, title, and income verifications

• Complete loan packages and efficiently clear conditions

• Communicate loan status updates to borrowers, loan officers, underwriters, and closing agents

• Maintain organized pipeline and meet closing deadlines in a fast-paced environment

• Process annual escrow analysis, insurance payments, property tax disbursements

• Complete mortgage satisfactions and other account maintenance as required

• Recommended specific products to customers based on unique technical requirements of each.
• Assisted customers with setting up or closing accounts, completing loan applications, credit cards, home equity line of credit and mortgage referral along with other new services.
• Balanced teller drawers and ATM cash.
• Understood and applied selling techniques to open, develop and close sales and created product interest by actively cross-selling products and services to pursue customers.
• Established new accounts for high net worth individuals and serviced existing accounts to maximize revenue.
• Exceeded sales goals on consistent basis.
• Prospected for new business through networking, community outreach and customer referral generation.
• Met with clients to determine financial objectives and review assets, liabilities, cash flow and other financial information.
• Works well with excel, sales force, Argo, alnova, genesis and other banking platforms

• Coach and develop team members and assist with employee management and training in order to maximize team’s potential
• Set performance standards and expectations while holding team accountable for upholding compliance with company policies and procedures, as well as local, state, and federal laws and regulations
• Take new applications and submit for loan approvals
• In charge of collection calls and marketing
• Bank deposits and balancing cash drawers
• Microsoft office, TLX, Concur, also Lexis Nexis knowledge
• Appointment Scheduling
• Led comprehensive team development initiatives and enforced regulatory compliance while managing loan approvals, collections, and vehicle sales operations