Silvina Pratt

• Updated borrowers through each step of loan application, approval and closing processes while remaining attentive to customer needs.
• Explained different types of loans pertaining to client situations.
• Worked with underwriters to fix application problems and resolve issues.
• Prepared documents for customers, submitting and overseeing through each step of closing process.
• Interviewed applicants to assess loan requirements before suggesting offers.
• Collaborated with sales agents, financial planners and accountants to attract clients and enhance beneficial partnerships.
• Collected information from banks, institutions and employers to assess applicant eligibility.
• Resolved discrepancies between borrowers, lenders and financial institutions with detail orientation and efficiency.
• Developed extensive network of referral partners to source new mortgage loan opportunities.
• Communicated with clients, processing teams and other third parties to achieve prompt loan closings.
• Participated in industry events and conferences to build relationships and gain market intelligence.
• Negotiated loan terms and conditions with clients to maximize profitability.
• Developed and implemented marketing campaigns to generate new business opportunities.

• Communicated with clients, processing teams and other third parties to achieve prompt loan closings.
• Maintained high level of customer satisfaction by providing prompt and accurate loan status updates.
• Worked with underwriters to fix application problems and resolve issues.
• Followed up with clients on missing loan documents, providing guidance on best way to complete application process.
• Assisted clients in selecting correct loan product and terms to meet needs and financial goals.
• Analyzed loan applications and credit reports to determine loan eligibility and risk level.
• Explained different types of loans pertaining to client situations.
• Negotiated loan terms and conditions with clients to maximize profitability.
• Participated in industry events and conferences to build relationships and gain market intelligence.
• Developed and implemented marketing campaigns to generate new business opportunities.
• Developed and maintained relationships with customers, lenders and other third parties.
• Monitored pipelines to track and log status of loans.
• Identified opportunities to cross-sell and upsell loan products to customers.

• Set up and completed loan submission packages.
• Interviewed clients regarding loan needs and financial histories and conveyed information regarding application processes.
• Maintained compliance with privacy and security requirements, as well as federal statutes covering all loans.
• Coordinated closing process with attorneys, title companies and government clerks.
• Upheld complete confidentiality of all submitted information according to release guidelines.
• Worked with customers in person and via telephone to answer questions, process transactions and resolve issues.
• Handled any conditions sent from underwriting departments.
• Evaluated approvals against established bank and government lending standards.
• Reviewed financial statements and contacted institutions and customers to clarify details.
• Communicated acceptance or rejection to applicants via mail, email, telephone or personal consultations.
• Assessed customer account histories to determine previous compliance with payment plans and loan terms.
• Collected and compiled paperwork such as title abstracts, insurance paperwork, loan files and tax histories.
• Filed completed loan applications with underwriting and made approval or denial recommendations.
• Reviewed and validated details of loan applications and closing documentation.
• Verified credit histories, personal references and employment backgrounds for each applicant.
• Produced and submitted completed loan packages to title and escrow professionals.
• Set up, stored and updated customer files, department records and regulatory paperwork
• Consulted with outside vendors to identify and resolve loan closing issues.
• Resolved conflicts and negotiated mutually beneficial agreements between parties.

• Utilizes experience and dealer relationships to ensure assigned territory meets or exceed pricing targets, variances, and volume goals.
• Develops and maintains top dealer satisfaction levels.
• Reviews credit to ensure compliance with Exeter’s policies & procedures, state & federal regulations and standards. Utilizes credit experience to make appropriate credit decisions or obtain concurrence on pricing, program and policy exceptions.
• Educate dealers on Exeter’s program and funding requirements to maximize production and ensure optimal funding turnaround time.
• Ensures office cooperation with other departments to maximize efficiency within the company.
• Other duties as assigned.
• Validated results and performed quality assurance to assess accuracy of data
• Evaluated and adopted new technologies to address changing industry needs

NOTE:

Company closed doors at the Clearfield, UT location on April 8th, 2020, due to the Global pandemic. All employees were let go.

• Evaluated loan applications and documentation by confirming credit worthiness.
• Improved loan applications and documentations by informing applicant of additional requirements.
• Completed loan contracts by explaining provisions to applicant, obtaining signatures and notarization; collection fees.
• Help customers by answering their questions; responding requests.
• Updated job knowledge by participating in educational opportunities, reading professional publications; maintaining personal networks and participating in professional organizations.
• Accomplished Bank missions by completing related results needed.

• Responsible for marketing and origination of loan term mortgage loans as well as lot, construction and limited first purchase loans.
• Conducted initial pre-qualification interviews and prepared complete packages and necessary documentation.
• Convey policies for extension of credit in accordance with the credit union and secondary investor guidelines.
• Met Mortgage Team scheduling and documentation requirements, and production expectations as determined by the Mortgage Origination Manager.
• Served members, prospective members, builders, developers and realtors promptly and professionally.

• Responsible for structuring and closing real estate loans as well as developing new business.
• Represents the bank in local community through active involvement in community affairs and participates in marketing all of banks products and services Originator with over 15 years of experience providing customer service and skillful support to management ., Education Source and develop loans for all aspects of our market including but not limited to: HELOC, residential real estate, and new construction.
• Maximize Credit Union profitability through appropriate pricing of new loan origination and fee income.
• Work with loan team to ensure that all pertinent account documentation is complete and accurate and that all collateral has been properly secured.
• Negotiate terms, structure loan financing based on risk considerations and present credits for approval to appropriate levels of authority with bank in accordance and procedures including the completion and maintenance of financial tracking records in timely fashion.
• Complete necessary credit investigations on each loan application as appropriate for keeping credit files current for the duration of the loan including responsibility for collecting payments in a timely manner.
• Support the Credit Union strong relationship financial culture through on-going member contact, quality customer service, and superior product knowledge.
• Build and maintain positive relations with all customers, potential customers and co-workers.
• Perform as a team member in allocating and coordinating work flow.
• Contribute to the fulfillment of department and company objectives and goals.
• Comply with all department and Credit Union policies, procedures and regulations.
• Other duties as assigned.
• Non- matriculated courses Supervisory and management Skills.