Sheba Hussain
Alexandria,VA
Summary
Driven Loan Officer with track record in mortgage and home lending product sales. Demonstrating strong interpersonal skills and exceptional service throughout sales process. Experienced Loan Officer adept at assessing customer needs, providing suitable products and guiding customers through loan process. Handles complex financial transactions using in-depth knowledge of loan products, services and lending regulations. Develops strong customer relationships by providing excellent service. Talented loan officer with proven track record of providing financial services to clients while managing complex loan transactions. Possesses deep understanding of credit analysis, loan origination and closing. Offers great time management and task prioritization skills. Highly skilled Loan Specialist with expertise in data accuracy and security. Hardworking professional with over 13 years of assisting clients, scheduling payments and reviewing credit histories. Knowledgeable in all credit procedures. Hardworking and passionate job seeker with strong organizational skills eager to secure entry-level loan processor position. Ready to help team achieve company goals. Detail-oriented team player with strong organizational skills. Ability to handle multiple projects simultaneously with a high degree of accuracy. Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals. To seek and maintain full-time position that offers professional challenges utilizing interpersonal skills, excellent time management and problem-solving skills.
*current Virginia Nmls license.
Overview
25
25
years of professional experience
Work History
Loan Officer
Sai Mortgage
01.2011 - Current
- Submitted loan applications to underwriter for verification and recommendations.
- Maintained strict confidentiality of bank records and client information.
- Originated, reviewed, processed, closed, and administered customer loan proposals.
- Developed strong relationships with customers through high levels of customer service.
- Developed systems to efficiently track loan documents and enhance accuracy.
- Utilized risk management strategies to attain high loan approval rates.
- Monitored performance of existing loan portfolios to identify and address any issues.
- Collaborated with other departments to promptly process loan applications.
- Reviewed and edited loan agreements to enhance clarity and monitor compliance with requirements.
- Negotiated loan terms to provide favorable outcomes for both customers and lenders.
- Developed and implemented marketing campaigns to attract new customers.
- Assisted customers in understanding loan terms and conditions to make informed decisions.
- Advised clients on mortgage, education and personal loans.
- Examined customer loan applications for loan approvals and denials.
- Compiled database of loan applicants' credit histories, financial statements and other financial information.
- Helped college students obtain financial aid through loan programs.
- Assessed loan portfolios for compliance with underwriting policies.
- Approved loan applications based on customer creditworthiness and provided detailed financial advice.
- Assisted customers with completing loan applications and other paperwork.
- Created strategies to develop and expand existing customer sales, resulting in increase in annual sales.
- Processed loan applications and monitored progress from start to finish.
- Compiled closing packages for drafting and presentation accuracy.
- Supervised loan personnel and motivated to maintain customer service and performance standards.
- Proactively identified solutions for customers experiencing credit issues.
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
- Researched and updated industry knowledge on changing legislation and regulations.
- Established plans and payoffs for customers' loans, prioritizing control of overall costs.
- Assisted clients with improving financial health by counseling on issues such as excessive spending and borrowing.
- Explained very technical financial information to applicants in easy to understand language.
- Developed and maintained relationships with customers, lenders and other third parties.
- Negotiated loan terms and conditions with customers to secure best deal.
- Identified opportunities to cross-sell and upsell loan products to customers.
- Evaluated loan requests and documents to verify accuracy and completeness.
- Analyzed potential risks and evaluated loan products to identify suitable options for customers.
- Monitored pipelines to track and log status of loans.
Census Enumerator
Department Of Senses United States
03.2019 - 11.2019
- Maintained and submitted records of hours worked, miles driven and expenses incurred to facilitate accurate reporting measures.
- Leveraged smartphones to record information.
- Met with supervisor to review procedures, report issues or concerns and receive instructions.
- Performed field staff duties critical to completing accurate count in hard-to-reach communities.
- Developed thorough understanding of job requirements and qualifications to steer recruitment efforts toward appropriate job profiles.
- Delivered information from script regarding surveys for on-demand phone project assignment.
- Devised and implemented effective interviewing techniques and strategies to identify best candidates for each position.
- Completed surveys by rechecking contact information before ending each call.
Loan Processor
Loans & Mortgages
01.2004 - 12.2010
- Prepared documents for underwriting by verifying client income, credit reports, and other information.
- Coordinated closing process with attorneys, title companies, and government clerks.
- Reviewed loan files for completeness, identified missing documentation, and generated condition lists for applicants.
- Processed loans within various departments to achieve timely, accurate, and fair proceedings.
- Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
- Set up and completed loan submission packages.
- Handled any conditions sent from underwriting departments.
- Provided quick turnaround times to maintain fast-past schedule.
- Collaborated with loan officers to develop strategies for managing loan application processing.
- Facilitated communication with loan applicants, underwriters and loan officers to optimize process and maintain updated information.
- Assisted loan officers with origination and closing processes to fastrack procedures and promote teamwork.
- Advised loan officers to comply with loan guidelines and apply best practices.
- Developed and maintained relationships with customers and loan officers to establish smooth loan process.
- Utilized loan origination software to process and track loan applications.
- Analyzed credit reports to determine eligibility of applicants and capacity for loan products.
- Assisted customers with completing loan applications and other paperwork.
- Assisted clients with improving financial health by counseling on issues such as excessive spending and borrowing.
- Evaluated loan requests and documents to verify accuracy and completeness.
- Analyzed potential risks and evaluated loan products to identify suitable options for customers.
- Identified opportunities to cross-sell and upsell loan products to customers.
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
- Supervised loan personnel and motivated to maintain customer service and performance standards.
- Explained very technical financial information to applicants in easy to understand language.
- Compiled closing packages for drafting and presentation accuracy.
- Proactively identified solutions for customers experiencing credit issues.
- Created strategies to develop and expand existing customer sales, resulting in increase in annual sales.
- Helped college students obtain financial aid through loan programs.
- Processed loan applications and monitored progress from start to finish.
- Established plans and payoffs for customers' loans, prioritizing control of overall costs.
- Researched and updated industry knowledge on changing legislation and regulations.
- Assessed loan portfolios for compliance with underwriting policies.
- Developed and maintained relationships with customers, lenders and other third parties.
- Negotiated loan terms and conditions with customers to secure best deal.
- Approved loan applications based on customer creditworthiness and provided detailed financial advice.
- Monitored pipelines to track and log status of loans.
Banking Assistant
Chevy Chase Bank
08.1998 - 12.2003
- Imaged banking and loan documents, created computerized placeholders and built comprehensive electronic credit files.
- Advised customers of products and services and assisted bankers in delivering superior customer service.
- Entered loan data into computerized banking system for renewals and modifications and submitted requests to portfolio managers before maturity.
- Managed customer service inquiries and pinpointed and implemented proper path to resolution.
- Partnered with high net worth customers and private bankers to answer complex questions and solve operational issues while delivering superior customer service.
- Assisted commercial banking team with collection and clearing of document exceptions and collected past due loan payments.
- Referred customers to other banking departments for specialized services.
Education
Bachelor Of Accountancy - Accounting
Nova Collage
Annandale, VA03.1997
Skills
- Financial Analysis Aptitude
- Experian Transact SM
- Deep Knowledge of Bankruptcy Processes
- Practiced at FHA Loan Process
- Proficient in 10-Key
- Terms Negotiation
- Bottom Line LoanMaster Loan Servicing
- Financial Transactions Expertise
- Customer Service-Focused
- Banking
- Sales Expertise
- Bilingual in Language
- Loans
- Friendly
- Financial Services
- Credit
- Client Relations
Languages
Arabic
Elementary
Urdu
Full Professional
Timeline
Census Enumerator
Department Of Senses United States
03.2019 - 11.2019
Loan Officer
Sai Mortgage
01.2011 - Current
Loan Processor
Loans & Mortgages
01.2004 - 12.2010
Banking Assistant
Chevy Chase Bank
08.1998 - 12.2003
Bachelor Of Accountancy - Accounting
Nova Collage