Stacy Esplen

Provides administrative support to the Correspondent Lending area. Organizes and prepares loan files including preparation of loan documents for closing. Pulls flood determinations, orders title work, bills customers and prepares loans to be funded. Coordinates closings with borrowers, attorneys and title offices. Assists lending officers with achieving and maintaining an acceptable level of credit and collateral exceptions. Assists with providing copies of loan packages and documents to participant banks, verifies receipt of all documents. Performs standard administrative functions including processing departmental mail, FedEx packages and fax transmissions, answering multiple telephone lines, order and maintain departmental supplies, process vendor/attorney invoices and submit for payment, maintains the calendar for the Loan Conference room. Coordinates Internal and Director’s Loan Committee meetings, updates agendas, items for approval, and minutes, prepares board report presentations, and maintains pending loan files.

Assists the Housing Director in administering housing related and small business programs and projects. Develops and initiates structured homeownership counseling and homebuyer education programs. Works closely with all applicable financial institutions to maintain and support loan packaging and procedure changes. Provides assistance to applicants applying for loans to purchase a home. Packages small business loan requests, analyzes loan applications and makes recommendations, monitors loans and provides business management training. Types all correspondence, memoranda, report forms, contracts and closing documents. Reports to SBA, USDA, and NMLS. Maintains files for each loan recipient, has bookkeeping responsibilities for loans and maintains record of payments and fund balances, reports monthly to credit bureaus.

Provides administrative support to loan officers including closing and booking loans, preparing loan worksheets, and assisting customers in filling out loan applications. Ensures that loan files contain documents with proper signatures, dates, and other relevant data. Prepares and closes deferrals. Provides assistance with exception reports. Answers telephone inquiries concerning loan processing. Accepts loan payments. Prepares and mails past due letters and collection letters.
Serves as a customers’ single point of contact on all First United Bank products and services. Opens new accounts. Answers customer questions, provides account opening information, and ensures that proper paperwork is completed and entered on the computer system. Assist customers with routine questions and requests: balance inquiries, temporary statements, check copies, stop payments, holds, online banking, ACH, direct deposit, wire processing, and notary services. Serves customers by processing a variety of transactions including accepting checks for cash and deposit, money orders, savings bonds, and cashier’s checks. Proactively resolve customer complaints, problems, or other issues.

Process new account transactions, opening, maintaining, and closing of all account types, assisting customers in their selection of various accounts and financial services, cross-selling the bank’s products and services, offering assistance to customers in their financial activities of their personal accounts, processing wire transfers.

Assist customers with daily banking transactions, including validating and cashing checks, accepting cash and checks for deposit, checking accuracy of deposits, processing cash withdrawals, preparing cashier’s checks, receive and verify loan and utility payments, daily balancing of cash drawer.

As a cashier, responsible for running the register, assisting customers, answering phones, restocking. After six months, nominated and accepted into the Best Seller Management Training Program. Responsibilities included processing online orders, markups/markdowns, placing orders for textbooks, clothing, and supplies, processing returns on textbooks and merchandise, experience with opening/closing store procedures, inventory, daily deposits, assisting in training new employees.