SOFIA KIFLE-BAKER

• Assisted clients in selecting correct loan product and terms to meet needs and financial goals

• Communicated with clients, processing teams and other third parties to achieve prompt loan closings

• Negotiated loan terms and conditions with clients to maximize profitability

• Analyzed loan applications and credit reports to determine loan eligibility and risk level

• Analyzed potential risks and evaluated loan products to identify suitable options for customers

• Manages pipeline of 100+ loans to execute lending approval process resulting in approval of +/- 15 loans per month that generate nearly $1.5M-$3M in revenue

• Underwrites and conditions loans which includes in-depth financial analysis of credit history, bank statements, pay stubs, debt-to-income ratio as well as public records and divorce decrees

• Analyzes sales contracts between buyers and sellers including verification of parties, property address, property type (Single-family, condo, townhouse, etc.), final sales price, seller concessions, close date, various home inspections, and financial contingencies

• Reviews final closing disclosures (CD) with clients to confirm accuracy of all documentation and loan terms

• Maintains compliance with banking regulations including zero tolerance fees, Truth in Lending Act (Regulation Z), Home MortgageDisclosure Act (HMDA), and TRID.

• Conducted thorough analyses of applicants'' financial profiles to determine suitable loan options and provide sound guidance during decision-making processes.

• Streamlined internal workflows by implementing efficient organizational systems for tracking application progress, resulting in reduced processing times and improved communication among team members.

• Mentored junior loan officers on best practices for building rapport with clients, managing time effectively, and closing deals successfully

• Managed daily operations for a successful small business, ensuring
efficient processes and quality services.
• Monitored rent collections and resolved tenant disputes quickly and
effectively.
• Improved tenant satisfaction by promptly addressing maintenance
requests and resolving issues efficiently.
• Enhanced property appearance by overseeing regular maintenance
tasks, landscaping projects, and interior renovations.
• Maintained compliance with local regulations, ensuring all properties
met safety standards and housing codes.
• Conducted comprehensive background checks on prospective tenants
to ensure responsible occupancy and minimize risk.

• Manage full renovation project including layout, supply and production increasing profits by 44%

• Analyze referred loans for areas of concern and determine proper course of action (e.g. obtain explanations for derogatory credit)
• Determine and advise members on approved loan conditions and documentation requirements
• Ensure progress and inclusion of required mortgage processing information (e.g. verifications of employment, assets, income and liabilities; appraisal reports, Navy Federal and investor requirements, etc.)
• Maintain contact with the member, Realtor and/or seller during the entire loan process Monitor mortgage loan process and ensure compliance with Federal laws, as well as, Navy Federal, NCUA and secondary market practices, guidelines and regulations
• Remain available to members and/or their real estate agents during scheduled evening hours after assigned work days and during scheduled hours on assigned days off (e.g. weekends)
• Request and obtain documentation needed and forward to Mortgage Processor Respond to inquiries about mortgage applications, processing status, problems and concerns
• Seek and leverage opportunities to conduct outside marketing and promotional activities to members and potential members through financial presentations, local events and realtor/trade shows and events
• Take first mortgage loan applications via face-to-face interview, mail and telephone
• Resolve or arrange for resolution of operational/processing issues, inquiries and complaints
• Respond to inquiries and resolve any issues concerning the processing of applications
• Review application for completeness, data integrity and accuracy; determine if additional information and/or supporting documentation is required
• Ability to work effectively and efficiently with automated systems
• Experience in the mortgage lending industry
• Working knowledge of mortgage lending requirements, regulations and procedures for VA and conventional loan programs
• Working knowledge of mortgage/equity loan processing, closing and documentation requirements and regulations
• Advanced skill in comprehending, analyzing, applying and communicating complex written legal documents
• Advanced skill speaking and/or presenting in front of groups in a professional setting
• Advanced word processing and spreadsheet software skills
• Maintain active pipeline of 80-100 loans closing an average of 13-20 loans which equates to $1m-$3m per month or $12m-$36 annual.

• Worked closely with management to strategize sales techniques to increase branch production and customer service.
• Cross-sold bank products and services to meet customer needs and provide options.
• Promoted financial products by maintaining excellent service offering knowledge.
• Assisted customers with setting up or closing accounts, completing loan applications, and signing up for new services.
• Maintained compliance with bank policies and regulations while executing various financial transactions for customers.
• Expanded customer base by consistently meeting referral goals through networking events and community outreach initiatives.
• Interviewed customers to obtain information needed for opening new accounts or renting safe-deposit boxes.

• Boosted customer satisfaction by providing exceptional service and addressing client needs promptly.
• Retained existing clients and attracted new ones through personalized financial product recommendations.
• Collaborated with other team members to deliver seamless banking experiences for customers.
• Identified opportunities for cross-selling products, leading to increased revenue for the bank.
• Resolved customer issues effectively, maintaining a high level of professionalism and empathy throughout interactions.
• Assisted in training new hires, sharing best practices and imparting valuable industry knowledge.
• Contributed to the achievement of sales targets by proactively identifying potential leads within the branch network.
• Managed multiple customer accounts efficiently, ensuring accurate record-keeping and timely resolution of issues.
• Contributed to the successful launch of new products by collaborating closely with marketing teams on promotional campaigns and materials.
• Achieved excellent customer satisfaction ratings by addressing concerns promptly and professionally, demonstrating empathy throughout interactions.