Sheri M. Krosch
Peoria
Summary
Innovative, goal and results oriented with extensive background in finance, client relations, and account management. Experienced in sales and executing projects resulting in sales and superior customer satisfaction. Excellent leadership, communications, and interpersonal skills with clients, management, and staff. My background includes planning, problem analysis, decision making and developing strategies to increase productivity, sales, and service and exceed desired results. Excellent analytical and decision-making skills, attention to detail, accuracy and thoroughness.
Overview
23
23
years of professional experience
Work History
Senior Loan Consultant
Lendmark Financial Services, LLC
Surprise, AZ
08.2022 - Current
- Achieved high client satisfaction through impactful loan interviews that addressed financial needs. Improved application processing efficiency by adopting streamlined input methods.
- Evaluated and validated applications from various sources, including online platforms, in-person visits, and phone inquiries.
- Conducted thorough reviews of credit bureau data to support accurate assessments of loan applications within regulatory guidelines.
- Assisted in communicating loan decisions to improve customer satisfaction. Supported revenue growth by promoting additional products and payment protection options. Enhanced customer understanding of product offerings through knowledge sharing.
- Managed all facets of customer interaction in lending process to enhance service quality, including detailed oversight of loan application documentation, closing protocols, and fund allocation.
- Reviewed booked loans for compliance with established regulations, ensuring meticulous organization and safeguarding of department files.
- Achieved efficient management of insurance tracking and claims, enabling successful addition of collateral insurance to loans. Enhanced debt protection claims processing, leading to faster response times and improved client experiences.
- Directed collection initiatives by managing payment processing and guiding customers on optimal loan repayment strategies for delinquent accounts.
- Directed deposit operations to facilitate accurate record-keeping and timely branch closures.
- Facilitated exceptional service interactions to foster customer loyalty and satisfaction.
- Facilitated completion of various management assignments to support team objectives and enhance collaboration.
Production/Loan Officer Assistant
Citywide Home Loans, LLC
Scottsdale, AZ
07.2020 - 07.2022
- Oversaw the loan application process by guiding borrowers through each step. Coordinated the collection of essential documents to streamline processing.
- Facilitated timely ordering and review of title and escrow reports, enhancing operational efficiency. Streamlined verification of employment and appraisal processes, improving accuracy. Consolidated condominium documents and property tax records, ensuring compliance. Crafted detailed letters of explanation for credit report inquiries, fostering transparency. Cataloged name variations and addresses, supporting data integrity.
- Coordinated efforts with internal processing, underwriting, and closing departments to enhance the speed and effectiveness of home refinance and purchase closings.
- Reviewed and organized loan documentation for processing and underwriting, maintaining high standards of accuracy and completeness.
- Oversaw loan application process by managing requests from processor and underwriting department. Coordinated submission of complete applications and conducted credit report evaluations. Verified outstanding debts and ensured timely follow-up on early disclosures to enhance application integrity.
- Managed ongoing dialogue with realtor and borrower to ensure clarity on additional requests and project status.
- Managed borrower interactions to confirm completion of signature requirements for disclosures and early closing documents.
- Ensured comprehensive file accuracy and completeness by diligently tracking and addressing all conditions and outstanding documentation during escrow.
Lending Consultant
CENTRICITY CREDIT UNION
Hermantown, MN
03.2019 - 10.2019
- Achieved successful loan placements by conducting thorough interviews to match clients with appropriate financial solutions. Streamlined application reviews across multiple platforms to expedite processing times. Enhanced client satisfaction through proactive communication and support during the loan application journey.
- Delivered exceptional internal and external member service by addressing inquiries with professionalism and efficiency.
- Managed procurement processes and performed detailed analyses of credit bureau reports to support informed decision-making.
- Achieved high accuracy and completeness in application reviews, leading to improved client engagement. Drove cross-selling initiatives for optional products, resulting in increased revenue opportunities. Enhanced counter offer strategies to retain valuable clients.
- Gathered and organized essential documents to facilitate loan approval.
- Reviewed and determined the approval or denial of consumer loan applications based on thorough analysis of financial information.
- Facilitated preparation of adverse action notifications to ensure compliance with regulatory standards.
- Achieved successful loan closures by meticulously preparing loan documents. Streamlined the closing process through effective use of DocuSign and personal engagement with clients.
- Reviewed and assessed all booked loans for compliance, while systematically organizing and preserving department files per established regulations.
- Achieved compliance in title work and UCC filings for loans through diligent tracking and updating of lien filings and releases. Enhanced accuracy of loan documentation, contributing to streamlined operations and risk mitigation.
- Applied exceptional people skills to foster teamwork and personal accountability in achieving lending targets.
- Executed preparation and delivery of payoff requests in response to client requests.
Administrative Assistant
HARLEY-DAVIDSON SPORT CENTER
Hermantown, MN
11.2017 - 04.2018
- Streamlined clerical operations for sales and finance departments, enhancing inventory accuracy for new motorcycles. Improved documentation processes for sold motorcycle jackets, loan applications, and title applications. Optimized SWR submittals and maintained detailed computer logs for finance products and cancellations. Executed title work with DMV and resolved issues related to missing documents and titles. Strengthened customer relationships through proactive follow-up on outstanding items.
- Streamlined filing systems for accounting and office documents, improving accessibility. Optimized sorting of incoming mail for timely distribution. Accurately charged internal merchandise to customer or business accounts monthly, enhancing financial tracking.
- Assisted accounting department by ensuring accurate data input and meticulous upkeep of financial spreadsheets and logs.
- Compiled and organized payment statements for finance and insurance products, enhancing financial documentation accuracy.
Senior Personal Loan Specialist
ONEMAIN FINANCIAL GROUP, INC.
Superior, WI
07.2014 - 10.2017
- Achieved successful loan placements by conducting thorough interviews and identifying optimal financial solutions. Streamlined application input to enhance processing efficiency and client satisfaction.
- Assessed online, in-person, and phone applications for accuracy and completeness.
- Analyzed credit bureau reports and made informed decisions on loan approvals or denials in accordance with guidelines.
- Achieved customer satisfaction by effectively communicating loan decisions. Maximized revenue through strategic cross-selling of products and payment protection coverages. Enhanced customer understanding of product offerings through expert knowledge.
- Reviewed and documented denied applications to prepare accurate adverse action communications.
- Coordinated customer interactions during loan application, document processing, closing, and disbursement phases to enhance client experience.
- Reviewed and assessed all booked loans, systematically organizing department files in accordance with regulatory requirements and retention policies.
- Facilitated payment processing and engaged with customers to address inquiries related to overdue loan payments, ensuring compliance with collection policies.
- Cultivated strong customer relationships by providing outstanding services that prioritize satisfaction.
Consumer Loan Officer
General Mills Federal Credit Union
Minnetonka, MN
10.2003 - 05.2011
- Conducted thorough evaluations of consumer loan applications to ensure sound lending decisions.
- Created tailored loan solutions to enhance customer satisfaction and support financial goals.
- Refined loan processing procedures to accelerate approval timelines and improve customer satisfaction.
- Guided junior staff in mastering loan origination techniques and compliance standards.
- Streamlined documentation and application procedures to expedite loan processing efficiency.
- Oversaw loan pipeline management from origination to closing, ensuring timely completion of each process step.
- Verified document accuracy for underwriting processes, enhancing overall quality control.
- Oversaw the complete lifecycle of customer loan proposals, ensuring thorough review and timely closure.
- Evaluated loan applications submitted by customers, ensuring compliance with lending criteria for approvals and denials.
- Guided customers through loan terms and conditions, ensuring informed decision-making.
- Provided support to customers in navigating loan application requirements and paperwork completion.
- Assessed loan requests and documentation to ensure accuracy and completeness.
- Assessed customer credit profiles to approve loan applications and deliver tailored financial guidance.
- Oversaw pipeline monitoring to ensure accurate tracking and logging of loan statuses.
- Facilitated preparation of closing packages to uphold accuracy in drafting and presentation.
- Managed loan application processing and tracked progress throughout the entire lifecycle.
Education
High School Diploma -
Hopkins High School
Hopkins, MNSkills
- Proficient in Microsoft Office, Excel, Word, Outlook, and Calendar, a 10-Key Calculator, Portico, Concierge, Digital Mortgage and Origin
- Consumer lending
- Loans
- Loan application evaluation
- Loan application assessment
- Loan expertise
- Regulatory compliance
- Loan origination
- Sales expertise
- Risk assessment
- In-depth credit analysis
- Loan product expertise
- Loan documentation
- Pre-qualification
- Decision-making
- Account collections
- Account review
- Accurate documentation review
- Attention to detail
- Cash handling
- Efficient pipeline management
Timeline
Senior Loan Consultant
Lendmark Financial Services, LLC
08.2022 - Current
Production/Loan Officer Assistant
Citywide Home Loans, LLC
07.2020 - 07.2022
Lending Consultant
CENTRICITY CREDIT UNION
03.2019 - 10.2019
Administrative Assistant
HARLEY-DAVIDSON SPORT CENTER
11.2017 - 04.2018
Senior Personal Loan Specialist
ONEMAIN FINANCIAL GROUP, INC.
07.2014 - 10.2017
Consumer Loan Officer
General Mills Federal Credit Union
10.2003 - 05.2011
High School Diploma -
Hopkins High School