Summary
Overview
Work History
Education
Skills
Qualifications And Accomplishments
Additional Information
Timeline
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Sherran McCall

China Grove,NC

Summary

Manages high-volume loan paperwork with high production, approval and customer relations. Expertise includes reviewing and validating personal, employment and financial histories for each applicant. Self-motivated and reliable with excellent teamwork skills. Effective at organizing, resolving discrepancies and working with third-party vendors to clear issues and completing closings. Dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals.

Overview

33
33
years of professional experience

Work History

Senior Mortgage Loan Processor

Old Point National Bank
03.2020 - Current
  • Enhanced loan processing efficiency by streamlining documentation and verification procedures.
  • Reduced turnaround time for mortgage approvals through effective communication with underwriters and loan officers.
  • Maintained a high level of accuracy in data entry, ensuring all loan applications were processed without errors.
  • Exceeded customer satisfaction ratings by providing timely updates on loan statuses and addressing concerns promptly.
  • Managed a large pipeline of loans, prioritizing tasks to ensure deadlines were met consistently.
  • Ensured compliance with industry regulations by staying up-to-date on changes in policies and guidelines related to mortgage lending.
  • Adapted quickly to changing market conditions, effectively adjusting workflow priorities based on fluctuating application volumes or regulatory shifts.
  • Delivered exceptional results under tight deadlines while maintaining a high standard of quality control throughout each stage of the loan process.
  • Handled any conditions sent from underwriting departments.
  • Reviewed financial statements and contacted institutions and customers to clarify details.
  • Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
  • Set up and completed loan submission packages.
  • Analyzed borrower credit reports and income statements to verify accuracy.
  • Coordinated closing process with attorneys, title companies, and government clerks.
  • Upheld complete confidentiality of all submitted information according to release guidelines.
  • Prepared file for final clear-to-close by branch management.
  • Received on-going, comprehensive training on home loan products and mortgage process.
  • Tracked loan status and updated applicant information to inform lenders of changes to applicants' financial situation.
  • Collected and compiled paperwork such as title abstracts, insurance paperwork, loan files and tax histories.
  • Liaised with credit bureaus, employers and other sources to check applicants' credit and personal references.
  • Prepared loan documents and explained terms to clarify loan conditions and requirements with applicants.
  • Contacted customers via mail, telephone and email to relay acceptance or rejection of applications.

Mortgage Loan Processor

NewDominion Bank
11.2017 - 03.2020


  • Read and interpret credit reports and income documentation; have a general understanding of underwriting process; and understanding federal and industry regulations, as well as loan policy and guidelines
  • Submit all loans to underwriting after analyzing all verified credit and income documentation
  • Order appraisals when requested while following all compliance regulations and bank’s policies and verify appraisal fees are collected in a timely manner.
  • Confirm that all required documents are accurately filed in order to ensure satisfactory audit/exam results are achieved from all regulatory agencies.
  • Enhanced client satisfaction by providing timely updates on their mortgage loan status and addressing concerns promptly.
  • Facilitated smooth closing processes by collaborating effectively with title companies, appraisers, and attorneys.
  • Expedited mortgage approval times by proactively resolving any discrepancies in borrower documentation.
  • Optimized workflow management by prioritizing high-priority tasks and meeting strict deadlines consistently.
  • Provided exceptional customer service while guiding borrowers through the entire loan process from pre-qualification to closing.
  • Managed a high volume of loan applications, consistently meeting or exceeding established processing timeframes for both new loans and refinancing.
  • Handled any conditions sent from underwriting departments.
  • Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
  • Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
  • Set up and completed loan submission packages.
  • Coordinated closing process with attorneys, title companies, and government clerks.
  • Developed comprehensive understanding of loan processing regulations and laws to be fully compliant.
  • Prepared file for final clear-to-close by branch management.
  • Received on-going, comprehensive training on home loan products and mortgage process.
  • Upheld complete confidentiality of all submitted information according to release guidelines.
  • Prepared loan documents and explained terms to clarify loan conditions and requirements with applicants.


Relationship Banker II

NewDominion Bank
03.2015 - 11.2017


  • Promote and sell a variety of retail products and services, including consumer loan products
  • Maintain a working knowledge of current bank products and services, including features and benefits, so tailored recommendations can be made to clients and prospects
  • Open new bank accounts through the following channels; online, phone and in person using account opening platform
  • Answer client inquiries, in person, via email, and over the phone, regarding interest rates, service charges, and account histories while complying with disclosure requirements, regulations and consumer privacy policies
  • Consumer lending services such as: home equity line of credit, personal loans, auto loans, land loans and custom cash
  • Assist with monthly auditing of teller cash drawers and main cash vault
  • Provide Notary service as needed.
  • Boosted customer satisfaction by providing exceptional service and addressing client needs promptly.
  • Identified opportunities for cross-selling products, leading to increased revenue for the bank.
  • Managed branch operations efficiently, ensuring compliance with industry regulations and internal policies.
  • Assisted in training new hires, sharing best practices and imparting valuable industry knowledge.
  • Resolved customer complaints and disputes to maintain satisfaction and loyalty.
  • Facilitated customer transactions, including deposits, withdrawals and transfers.
  • Processed customer requests for statements, ordering additional checks, and updating customer personal information in database.
  • Developed and maintained strong relationships with clients to maximize satisfaction.
  • Helped clients make informed decisions about financial future.


Senior Personal Banker

Community One Bank
02.2011 - 02.2015
  • Provide customer service activities which include: opening new accounts, cross-selling bank services, such as merchant credit cards, debit/credit cards, internet banking services
  • Consumer lending services such as: home equity line of credit, personal loans, auto loans, land loans and custom cash
  • Underwrite loan applications, pull credit reports, make decisions to approve/decline and close loans
  • Review and monitor overdraft reports, deposit excess debit reports and insufficient funds lists daily
  • Assist with monthly auditing of teller cash drawers, main cash vault and ATM
  • Provide Notary service as needed.
  • Enhanced customer satisfaction by providing personalized financial advice and tailored banking solutions.
  • Managed a portfolio of high-net-worth clients, ensuring their financial needs were met and exceeded.
  • Improved branch performance by effectively collaborating with team members to meet sales targets consistently.
  • Provided exceptional customer service by resolving complex issues quickly, earning multiple commendations from satisfied clients.
  • Mentored new hires on company policies, systems, and best practices to ensure successful integration into the team.
  • Optimized workflow processes within the branch, enhancing efficiency while sustaining high levels of service quality.
  • Participated in regional meetings focused on sharing best practices and driving continuous improvement within the retail banking sector.
  • Managed risk exposure by closely monitoring account activity and taking appropriate action when necessary, safeguarding both clients'' and bank''s interests.
  • Assisted customers with setting up or closing accounts, completing loan applications, and signing up for new services.
  • Networked to increase client base and encourage existing clients to expand financial portfolios.
  • Answered customer questions and explained available services such as deposit accounts, bonds, and securities.
  • Monitored customer accounts to detect irregularities or suspicious activity.
  • Developed and maintained strong knowledge of multiple products and varying levels of benefits within each product.

Community Office Manager

Community One Bank
12.2005 - 02.2011


  • Serve as an active member of the office sales team by performing all of the duties of a Retail Service Officer
  • Prepare and supervise the preparation of various reports relating to the operations of the community office
  • Assist in the development of the annual budget for the office
  • Actively participate in community activities
  • Consumer Lender, take loan application, underwrite/approve loans within lending authority
  • Request closing documents from loan closing department and close the loan with customers.
  • Enhanced team productivity by delegating tasks effectively and overseeing daily workflow.
  • Facilitated smooth communication between departments, addressing concerns promptly to maintain harmonious work relationships.
  • Coordinated office events and meetings, ensuring timely execution and optimal scheduling for all participants.
  • Improved employee retention rates by fostering a positive work environment and providing growth opportunities through training programs.
  • Assisted in the recruitment process, conducting interviews and onboarding new employees to promote a seamless integration into the team dynamic.
  • Handled sensitive information with discretion, maintaining confidentiality of company documents and personnel records.
  • Served as a liaison between upper management and staff members, facilitating open channels of communication to address concerns or issues promptly.
  • Oversaw facility maintenance requests, coordinating with building management to address repairs or improvements efficiently.
  • Contributed to workplace safety by ensuring compliance with established emergency protocols and conducting regular equipment inspections.
  • Established workflow processes, monitored daily productivity, and implemented modifications to improve overall performance of personnel.
  • Managed compliance to keep organization operating within legal and regulatory guidelines.
  • Reported to senior management on organizational performance and progress toward goals.
  • Delivered performance reviews, recommending additional training or advancements and convey constructive feedback to improve skills.
  • Maintained positive customer relations by addressing problems head-on and implementing successful corrective actions.
  • Managed daily branch operations for optimal efficiency and performance, resulting in improved customer experiences.
  • Optimized staff productivity through effective scheduling, task delegation, and performance monitoring.
  • Conducted regular audits of branch operations to maintain compliance with internal policies and external regulations.
  • Resolved escalated customer issues quickly and efficiently while demonstrating empathy towards clients' concerns resulting in higher customer retention rates.


Retail Services Officer

Community One Bank
12.2004 - 12.2005
  • Provide customer service activities which include: opening new accounts, cross-selling bank services such as; merchant credit cards, debit/credit cards, internet banking services
  • Consumer lending services such as; home equity line of credit, personal loans, auto and land loans and custom cash
  • Underwrite loan applications, pull credit reports, make decision to approve/decline and close loan
  • Review and monitor overdraft report and deposit excess debit reports daily
  • Provide notary services as needed.
  • Improved overall department efficiency by streamlining processes and implementing new policies.
  • Attended personnel meetings and training sessions to improve skills and learn new policies and procedures.
  • Optimized customer experience by delivering superior services and effectively troubleshooting issues.
  • Conducted regular audits to ensure compliance with bank policies and regulatory requirements, maintaining a low error rate throughout tenure.
  • Mentored new hires on company policies, systems, and best practices to ensure successful integration into the team.
  • Participated in regional meetings focused on sharing best practices and driving continuous improvement within the retail banking sector.
  • Managed risk exposure by closely monitoring account activity and taking appropriate action when necessary, safeguarding both clients'' and bank''s interests.
  • Developed and maintained strong knowledge of multiple products and varying levels of benefits within each product.

Deposit Operations Assistant

Community One Bank
09.2002 - 12.2004
  • Review overdrawn accounts daily for paying and returning checks (insufficient list)
  • Review and resolve daily unposted items
  • Review and monitor daily reports including; OFAC, excess debit, stop kiting suspect
  • Monitor overdraft report, charge off overdrawn accounts and report to collection agency and Chex systems
  • Reviewed currency transaction reports and prepared for filing
  • Process notice of reclamations, charge back items, fed adjustments and encoding errors as needed
  • Process incoming/outgoing wires
  • Accounts payable-process and pay vendor statements and employee reimbursements
  • Assisted as back up for balancing of general ledger accounts reconciliation and balancing daily teller cash and branch summary totals
  • Assisted in implementing First Guard Overdraft Privilege Program as well as implementing redemption and issuing savings bonds.
  • Boosted customer satisfaction by promptly addressing inquiries and resolving issues professionally.
  • Safeguarded sensitive information through proper documentation handling, data entry, and record maintenance procedures.
  • Facilitated smooth project execution by managing deadlines, resources allocation, and progress updates.
  • Contributed to a positive work environment with strong interpersonal skills and proactive teamwork attitude.
  • Demonstrated adaptability by quickly mastering new software applications as needed for various tasksprojects.
  • Expedited project completion times due to the ability to multitask effectively under tight deadlines.
  • Worked closely with management to provide effective assistance for specific aspects of business operations.
  • Volunteered to help with special projects of varying degrees of complexity.


Teller/BackUp Teller Supervisor

Community One Bank
12.2000 - 09.2002


  • Assisted as back up teller supervisor, ordering money from Federal Reserve, balancing and adding money to ATM, distributing money from main cash vault to tellers as needed.
  • Streamlined daily operations for peak efficiency by maintaining accurate cash drawer and balancing procedures.
  • Upheld security protocols by promptly identifying fraudulent activities and reporting suspicious transactions to management.
  • Collaborated with team members for successful branch audits, adhering to all regulatory requirements and internal controls.
  • Resolved customer complaints professionally, demonstrating empathy while working towards effective solutions.
  • Provided exceptional customer service during high-traffic periods, effectively managing long lines while maintaining accuracy and professionalism.
  • Maintained strict compliance with anti-money laundering policies, conducting necessary due diligence checks on large transactions as required.
  • Consistently met or exceeded individual performance metrics set forth by management, contributing positively to overall branch success.
  • Disbursed cash and checks accurately while maintaining security of cash drawers.
  • Answered customer inquiries regarding account balances, transaction history, services charges, and interest rates.
  • Monitored and reported suspicious activity in line with bank security policies.
  • Maintained in-depth knowledge of bank products and services to provide appropriate recommendations to customers.
  • Assisted with training of new tellers on policies and procedures.
  • Processed wide variety of retail banking transactions for personal and commercial customers.
  • Executed wire transfers, stop payments and account transfers.
  • Established rapport with new clients to increase satisfaction and loyalty.


Medical Office Assistant

UNC-Charlotte
10.1990 - 12.2000


  • Records patient’s general condition, take and record vital signs, height and weight
  • Assist physicians with examinations, procedures and treatments
  • Assist with collection of specimens for laboratory testing
  • Complete lab requisitions and prepare specimens for pick up
  • Assist with patient inquiries, appointment scheduling and referral authorizations
  • Making appropriate documentation in files and following up with patients as needed.
  • Maintained strict compliance with HIPAA regulations, ensuring the confidentiality of sensitive patient information.
  • Assisted nursing staff with wound care procedures for faster healing and reduced infection rates.
  • Promoted a safe and clean environment by maintaining strict adherence to infection control protocols and sanitation standards.
  • Educated patients on prescribed medications, ensuring compliance with dosage instructions and awareness of potential side effects.
  • Enhanced clinic efficiency by thoroughly documenting patient information and updating electronic health records.
  • Provided compassionate care for patients, addressing their concerns and ensuring a positive experience.
  • Performed diagnostic tests accurately, contributing to swift diagnosis and appropriate treatment options.
  • Consistently maintained up-to-date certifications, demonstrating dedication to professional development and quality patient care.
  • Obtained client medical history, medication information, symptoms, and allergies.


Financial Secretary

Blackwelder Park Baptist Church
01.2017 - 06.2020

Sales Associate

Belk
10.2013 - 10.2018

Education

NC Banking Association Program

UNC-Chapel Hill
Durham, NC
2010

Nursing Science

Rowan Cabarrus Community College
Kannapolis, NC
2004

High School Diploma -

Northwest Cabarrus High School
1983

Skills

  • Teamwork & Customer Service Excellence
  • Attention to Detail & Time Management
  • Continuous Improvement Mindset
  • Adaptability and Flexibility
  • Documentation Review Competence
  • Software Proficiency
  • Pipeline Management Experience
  • Mortgage Loan Processing

Qualifications And Accomplishments

I have over 20 years of banking experience with a thorough knowledge of personal and business banking products and mortgage processing.  I served as Community Office Manager for two local branches for 6 years. I was a member of the Commercial Lending Approval Committee, charged with reviewing and listening to lenders’ presentation of commercial loans needing Committee approval.  

Additional Information

I received the Best Performing Community Officer Manager award in 2007

Timeline

Senior Mortgage Loan Processor

Old Point National Bank
03.2020 - Current

Mortgage Loan Processor

NewDominion Bank
11.2017 - 03.2020

Financial Secretary

Blackwelder Park Baptist Church
01.2017 - 06.2020

Relationship Banker II

NewDominion Bank
03.2015 - 11.2017

Sales Associate

Belk
10.2013 - 10.2018

Senior Personal Banker

Community One Bank
02.2011 - 02.2015

Community Office Manager

Community One Bank
12.2005 - 02.2011

Retail Services Officer

Community One Bank
12.2004 - 12.2005

Deposit Operations Assistant

Community One Bank
09.2002 - 12.2004

Teller/BackUp Teller Supervisor

Community One Bank
12.2000 - 09.2002

Medical Office Assistant

UNC-Charlotte
10.1990 - 12.2000

NC Banking Association Program

UNC-Chapel Hill

Nursing Science

Rowan Cabarrus Community College

High School Diploma -

Northwest Cabarrus High School
Sherran McCall