Tenure History:
Began as Loan Officer/Assistant for Branch Manager and Loan Officer at various mortgage companies and chosen by Branch Manager to maintain positions throughout numerous purchases and business closures, to include most recent company Evergreen Home Loans from January 29, 2010 - October 02, 2023 (laid off 10/02/23). Responsible for processing FHA, VA and Conventional Mortgage Loans, from origination to closing, including: Working closely with borrowers and realtors; Assessing client needs; Taking loan applications and educating clients on variety of loan products and options; Reviewing applicants credit and financial status, property appraisals and preliminary title reports; Verifying employment, bank deposits, mortgage and rental ratings, as well as additional documentation for loan and submission process. Disclosing loans per compliance time-lines; Assisting processor in satisfying conditions; Utilizing Custom Information Management Systems to access data and maintain loan applicant database; Providing administrative support for Branch Manager as needed.
Accomplishments:
Received "Employee of the month" award from Republic Mortgage and numerous letters of appreciation from clients throughout the years.
Hired as Financial Service Representative, Teller and New Accounts Representative. Within 2 years, promoted to Financial Service Supervisor with direct responsibility for marketing, selling and upselling financial and banking services, auto loans, CDs and IRAs to businesses and individuals with duties that included: Creating New Customer Procurement, Cross and Up Selling, Teller Plans and Goals, Developing prospects from established customers, referral leads as well as sales and trade meetings; Assessing and determining client needs and areas for improvement for future growth; Utilizing proficient financial skills, to review personal data; Recommending all products and home loans to provide strategies and solutions for short and long-term financial goals and customer security; Advising clients regarding expected Projections/Table of Amortization; Preparing Interest Rates and other Forms; Tracking progress and completion of processes; Accepting payments; Interviewing, recommending hiring, training, scheduling, assigning job duties, giving written evaluations and supervising up to 6 personnel to include Assistant Supervisor and Tellers; Utilizing custom accounting management system to prepare internal and external correspondence as well as generate accurate Employee Observation and Evaluation Review Reports; Ordering weekly cash for central vault
Accomplishments:
Received Several "Letters of Appreciation" from Customers
Performed standard Teller duties, ensuring exemplary customer service and training new personnel.
To continue my career in the Banking and Lending Industry with a company that will utilize my expertise to benefit mutual success.
Computer Skills: Windows 11, Outlook Software, Microsoft Word, Excel & Encompass Loan Orgination System.