Summary
Overview
Work History
Education
Skills
Accomplishments
Timeline
Generic

Susan Belese

Washinton,NJ

Summary

Respectful Loan Officer with 35 years of hands-on experience evaluating and authorizing various loans. Dependable professional polished in assembling loan packages, initiating loan applications and analyzing loan programs to match borrower's profile. Communicative team player with in-depth knowledge of banking products and associated services.

Overview

30
30
years of professional experience

Work History

Relationship Manager

Launch Financial Group
Ballston Lake , NY
04.2024 - Current
  • Provided guidance to customers regarding loan products, eligibility requirements, application processes, documentation requirements.
  • Developed relationships with prospective borrowers through cold-calling activities and referrals from other sources.
  • Prepared detailed reports for management on current loan portfolio performance trends.
  • Managed a portfolio of high-value commercial loans in order to maximize returns while minimizing risks.
  • Maintained strong knowledge base of lending regulations, best practices and industry trends.
  • Researched potential new markets for loan product sales opportunities.
  • Performed ongoing analysis of customer needs in order to develop tailored solutions that meet their objectives.
  • Collaborated with internal teams such as underwriting, legal, operations and marketing in order to ensure timely completion of loan transactions according to established standards and procedures.
  • Evaluated all relevant documents associated with each loan application prior to submission for approval.
  • Monitored changes in borrower's credit profiles over the life of the loan in order to identify any potential areas of concern or delinquency.
  • Ensured accuracy of all data entered into the bank's database system related to loan origination activities.
  • Attended networking events and conferences in order to build relationships within the industry.
  • Responded promptly and accurately to inquiries from customers regarding their accounts and services offered by the bank.
  • Identified cross-sell opportunities with existing customers as well as prospects during client meetings.
  • Reviewed loan applications and credit histories to determine the degree of risk involved in extending credit.
  • Analyzed financial information provided by clients to determine repayment ability and appropriate loan amount.
  • Negotiated terms and conditions of loans with clients, including interest rates and repayment plans.
  • Educated customers on variety of loan products and available credit options to promote valuable decision-making.
  • Built referral business by meeting with local financial planning, home builders and real estate professionals.
  • Resolved file problems, bottlenecks and qualified issues throughout underwriting process.
  • Tracked and managed new leads and followed up on referral business.
  • Maintained up-to-date knowledge of various loan products and compliance regulations.
  • Identified valuable solutions for customers with credit problems.
  • Reviewed credit histories from applicants and determined feasibility of granting requested loans.
  • Processed challenging loan applications for first-time borrowers, self-employed applicants and borrowers with problematic credit histories.
  • Coordinated with underwriters for loan approval and final decision-making.
  • Conducted risk assessments on loan applications using predictive models.
  • Developed and maintained relationships with clients to ensure customer satisfaction with loan services.
  • Collaborated with company teams to expedite loan approval processes.
  • Utilized CRM systems to effectively manage client interactions and follow-ups.
  • Informed customers of loan application requirements and deadlines.
  • Ensured compliance with federal and state lending regulations.
  • Resolved concerns and answered questions for parties involved with each transaction to promote successful outcomes.
  • Analyzed financial information and credit reports of potential borrowers to determine eligibility for mortgage loans.
  • Developed and maintained relationships with local real estate agents.
  • Attended relevant conferences or seminars in order to stay abreast of new developments within the industry.
  • Listened carefully to customer complaints and swiftly resolved issues by taking appropriate action.
  • Researched discrepancies between customer data provided by third-party vendors versus what was reported by the borrower in order to resolve any issues quickly and accurately.
  • Ensured compliance with federal, state, local laws and regulations related to mortgage lending activities.
  • Developed and recommended personal or commercial loan packages for clients.
  • Created alliances and built relationships with many financial institutions and real estate-related professionals in B2B and B2C.
  • Maintained updated knowledge of current industry standards and trends related to mortgage products offered by the company.
  • Identified lending risks and implemented strategies to reduce loan defaults.
  • Developed and implemented strategies to meet monthly loan targets.
  • Updated client account information and records in company databases.
  • Prepared loan packages for submission to underwriting department.
  • Reviewed loan applications for accuracy, completeness and compliance with lending regulations.
  • Reviewed credit reports to identify debt and determine best-fit strategies for consolidating or eliminating balances.
  • Provided guidance regarding regulatory requirements such as RESPA and TILA laws.
  • Advised clients on available financing options based on their individual circumstances.
  • Managed relationships with real estate brokers, attorneys and other third-party vendors associated with the mortgage industry.
  • Managed validation of documentation to regulate underwriting and closing requirements.
  • Answered client questions about factors affecting credit and recommended suggestions to improve credit scores.
  • Provided counsel on mortgage products to ensure customers receive the best product for their needs.
  • Managed loans from application to submission to closing by coordinating file movements between underwriter, mortgage lender and closing parties.
  • Responded to many telephone calls and emails each day, setting up appointments, answering questions, and collecting information about specific concerns.
  • Maintained a strong customer base by providing excellent customer service and support.
  • Negotiated terms and conditions of mortgages with borrowers.
  • Performed due diligence reviews of client portfolios in order to minimize risk exposure.
  • Collaborated with lenders on underwriting guidelines for specific loan programs.
  • Calculated clients' available monthly income to meet debt obligations.
  • Developed and implemented strategies to increase mortgage portfolio growth.
  • Evaluated client situations and recommended optimal products to meet individual needs.
  • Approached customers and engaged in conversation through use of effective interpersonal and people skills.
  • Prioritized and organized tasks to efficiently accomplish service goals.
  • Collaborated closely with team members to achieve project objectives and meet deadlines.
  • Provided excellent service and attention to customers when face-to-face or through phone conversations.
  • Completed day-to-day duties accurately and efficiently.
  • Updated and maintained databases with current information.

Loan Officer

Asset Based Lending Consultants
Jersey City , NJ
11.2023 - 08.2024
  • Made recommendations to customers to promote brand effectiveness and product benefits.
  • Provided product demonstrations and presented promotional materials at trade shows and conventions.
  • Developed new customer base via past relationships, telemarketing and networking.
  • Networked to build client base and promote products to new and existing clients.
  • Monitored competitor activities in order to stay ahead of the competition.
  • Followed up regularly with customers regarding orders placed or inquiries received.
  • Built strong, professional relationships through identification of client needs, which increased overall sales and opportunities.
  • Completed daily call reports, weekly work plans and monthly analyses to submit to territory manager.
  • Learned customer needs and desires to suggest specific product options.
  • Maintained detailed records of sales activities, customer interactions, and monthly performance data.
  • Executed updated marketing plans to increase branding exposure, customer traffic and sales.
  • Maintained detailed knowledge of product lines and sales procedures at organization.
  • Utilized sales tools and processes to promote effective sales initiatives.
  • Provided accurate and detailed quotes for customers to maintain customer satisfaction.
  • Managed multiple accounts simultaneously while meeting deadlines.
  • Maintained up-to-date knowledge of various loan products and compliance regulations.
  • Developed and maintained relationships with clients to ensure customer satisfaction with loan services.
  • Utilized CRM systems to effectively manage client interactions and follow-ups.
  • Ensured compliance with federal and state lending regulations.
  • Resolved concerns and answered questions for parties involved with each transaction to promote successful outcomes.
  • Developed and maintained relationships with local real estate agents.
  • Maintained updated knowledge of current industry standards and trends related to mortgage products offered by the company.
  • Facilitated workshops and seminars on mortgage products and financial literacy.
  • Developed and implemented strategies to meet monthly loan targets.
  • Updated client account information and records in company databases.
  • Collaborated with internal departments regarding customer inquiries, complaints, or problems that arose during the application process.
  • Provided personalized loan options to meet clients' financial needs.

Senior Loan Officer

Family First Funding, Inc
Washington , NJ
08.2021 - 12.2022
  • Provided guidance to customers regarding loan products, eligibility requirements, application processes, documentation requirements.
  • Developed relationships with prospective borrowers through cold-calling activities and referrals from other sources.
  • Prepared detailed reports for management on current loan portfolio performance trends.
  • Managed a portfolio of high-value commercial loans in order to maximize returns while minimizing risks.
  • Maintained strong knowledge base of lending regulations, best practices and industry trends.
  • Researched potential new markets for loan product sales opportunities.
  • Performed ongoing analysis of customer needs in order to develop tailored solutions that meet their objectives.
  • Collaborated with internal teams such as underwriting, legal, operations and marketing in order to ensure timely completion of loan transactions according to established standards and procedures.
  • Responded promptly and accurately to inquiries from customers regarding their accounts and services offered by the bank.
  • Attended networking events and conferences in order to build relationships within the industry.
  • Identified cross-sell opportunities with existing customers as well as prospects during client meetings.
  • Reviewed loan applications and credit histories to determine the degree of risk involved in extending credit.
  • Participated actively on committees focused on developing strategic initiatives aimed at increasing profitability across various departments within the organization.
  • Analyzed financial information provided by clients to determine repayment ability and appropriate loan amount.
  • Negotiated terms and conditions of loans with clients, including interest rates and repayment plans.
  • Processed challenging loan applications for first-time borrowers, self-employed applicants and borrowers with problematic credit histories.
  • Resolved concerns and answered questions for parties involved with each transaction to promote successful outcomes.
  • Analyzed applicants' financial status, credit and property evaluations to determine feasibility of granting loans.
  • Educated customers on variety of loan products and available credit options to promote valuable decision-making.
  • Built referral business by meeting with local financial planning, home builders and real estate professionals.
  • Delivered high levels of customer service to facilitate smooth processes.
  • Developed and maintained knowledge of available loan products, processing procedures and underwriting and general departmental guidelines.
  • Resolved file problems, bottlenecks and qualified issues throughout underwriting process.
  • Obtained and compiled copies of loan applicants' credit histories, corporate financial statements and other financial information to update credit and loan files.
  • Recommended loan approvals and denials based on customer loan application reviews.
  • Maximized company profitability with appropriate pricing of new loan originations, fee income and selling of products and services.
  • Tracked and managed new leads and followed up on referral business.
  • Listened carefully to customer complaints and swiftly resolved issues by taking appropriate action.
  • Verified client financial information to determine creditworthiness and loan eligibility.

Senior Loan Officer

Cardinal Health
Edgewater, NJ
01.2020 - 08.2021
  • Developed and maintained relationships with clients to ensure customer satisfaction with loan services.
  • Analyzed financial information and credit reports of potential borrowers to determine eligibility for mortgage loans.
  • Reviewed and evaluated loan applications, including income documents, employment history, and other financial records.
  • Assisted applicants in selecting the best loan program based on their needs and qualifications.
  • Negotiated terms of mortgages with lenders or investors.
  • Ensured compliance with federal, state, local laws and regulations related to mortgage lending activities.
  • Provided guidance on government programs such as FHA and VA loans.
  • Collaborated with internal departments regarding customer inquiries, complaints, or problems that arose during the application process.
  • Advised borrowers on how best to structure their mortgages in order to minimize costs while maximizing benefits.
  • Communicated regularly with customers about status updates or changes in their loan product options.
  • Attended relevant conferences or seminars in order to stay abreast of new developments within the industry.
  • Created marketing materials outlining various types of mortgages available at the company.
  • Resolved concerns and answered questions for parties involved with each transaction to promote successful outcomes.
  • Processed challenging loan applications for first-time borrowers, self-employed applicants and borrowers with problematic credit histories.
  • Met with applicants to obtain information for loan applications and answer questions about loan process.
  • Analyzed new markets and developed referral networks to locate new loan prospects.
  • Educated customers regarding actions and strategies for debt repayment.
  • Helped clients fill out loan applications and find ideal loan options.
  • Informed customers of application deadlines, approvals and denials.
  • Collaborated with company teams to expedite loan approval processes.

Senior Loan Officer

Residential Home Funding Corp.
Parsippany, NJ
11.2019 - 01.2020
  • Provided guidance to customers regarding loan products, eligibility requirements, application processes, documentation requirements.
  • Developed relationships with prospective borrowers through cold-calling activities and referrals from other sources.
  • Prepared detailed reports for management on current loan portfolio performance trends.
  • Managed a portfolio of high-value commercial loans in order to maximize returns while minimizing risks.
  • Researched potential new markets for loan product sales opportunities.
  • Collaborated with internal teams such as underwriting, legal, operations and marketing in order to ensure timely completion of loan transactions according to established standards and procedures.
  • Evaluated all relevant documents associated with each loan application prior to submission for approval.
  • Ensured accuracy of all data entered into the bank's database system related to loan origination activities.
  • Attended networking events and conferences in order to build relationships within the industry.
  • Responded promptly and accurately to inquiries from customers regarding their accounts and services offered by the bank.
  • Identified cross-sell opportunities with existing customers as well as prospects during client meetings.
  • Participated actively on committees focused on developing strategic initiatives aimed at increasing profitability across various departments within the organization.
  • Educated customers on variety of loan products and available credit options to promote valuable decision-making.
  • Built referral business by meeting with local financial planning, home builders and real estate professionals.
  • Developed and maintained knowledge of available loan products, processing procedures and underwriting and general departmental guidelines.
  • Delivered high levels of customer service to facilitate smooth processes.

Senior Loan Officer

United Northern Mortgage Bankers
Long Island, NY
03.2016 - 11.2019
  • Provided guidance to customers regarding loan products, eligibility requirements, application processes, documentation requirements.
  • Developed relationships with prospective borrowers through cold-calling activities and referrals from other sources.
  • Prepared detailed reports for management on current loan portfolio performance trends.
  • Managed a portfolio of high-value commercial loans in order to maximize returns while minimizing risks.
  • Maintained strong knowledge base of lending regulations, best practices and industry trends.
  • Researched potential new markets for loan product sales opportunities.
  • Collaborated with internal teams such as underwriting, legal, operations and marketing in order to ensure timely completion of loan transactions according to established standards and procedures.
  • Identified cross-sell opportunities with existing customers as well as prospects during client meetings.
  • Attended networking events and conferences in order to build relationships within the industry.
  • Presented complex financial concepts in an easy-to-understand manner for customers who have limited understanding of banking terminology.
  • Developed and maintained knowledge of available loan products, processing procedures and underwriting and general departmental guidelines.
  • Delivered high levels of customer service to facilitate smooth processes.
  • Performed daily maintenance of loan applicant database.
  • Met with applicants to obtain information for loan applications and answer questions about process.
  • Resolved file problems, bottlenecks and qualified issues throughout underwriting process.

Senior Loan Officer

Residential Home Funding Corp.
Parsippany, NJ
03.2015 - 03.2016
  • Provided guidance to customers regarding loan products, eligibility requirements, application processes, documentation requirements.
  • Developed relationships with prospective borrowers through cold-calling activities and referrals from other sources.
  • Prepared detailed reports for management on current loan portfolio performance trends.
  • Managed a portfolio of high-value commercial loans in order to maximize returns while minimizing risks.
  • Maintained strong knowledge base of lending regulations, best practices and industry trends.
  • Researched potential new markets for loan product sales opportunities.
  • Performed ongoing analysis of customer needs in order to develop tailored solutions that meet their objectives.
  • Collaborated with internal teams such as underwriting, legal, operations and marketing in order to ensure timely completion of loan transactions according to established standards and procedures.
  • Evaluated all relevant documents associated with each loan application prior to submission for approval.
  • Attended networking events and conferences in order to build relationships within the industry.
  • Presented complex financial concepts in an easy-to-understand manner for customers who have limited understanding of banking terminology.
  • Responded promptly and accurately to inquiries from customers regarding their accounts and services offered by the bank.
  • Identified cross-sell opportunities with existing customers as well as prospects during client meetings.
  • Participated actively on committees focused on developing strategic initiatives aimed at increasing profitability across various departments within the organization.
  • Resolved concerns and answered questions for parties involved with each transaction to promote successful outcomes.
  • Developed and maintained knowledge of available loan products, processing procedures and underwriting and general departmental guidelines.
  • Delivered high levels of customer service to facilitate smooth processes.
  • Built referral business by meeting with local financial planning, home builders and real estate professionals.
  • Met with applicants to obtain information for loan applications and answer questions about processes.

Vice President Wholesale Division

Residential Home Funding Corp.
Parsippany, NJ
11.2007 - 03.2015
  • Developed and executed strategic plans to support the vision of the organization.
  • Formulated policies that improved operational efficiency and productivity.
  • Directed business development initiatives, including acquisitions and joint venture agreements.
  • Managed financial operations, overseeing budgeting, forecasting and financial analysis activities.
  • Oversaw human resources functions such as recruitment, employee relations, training and benefits administration.
  • Provided oversight of all departments in order to ensure smooth operation of daily activities.
  • Established performance standards for staff members in order to drive productivity levels up.
  • Organized special projects such as corporate events or marketing campaigns.
  • Collaborated with executive team members on major decisions regarding company-wide initiatives.
  • Created effective communication strategies between management team members and employees at all levels of the organization.
  • Implemented process improvement procedures that resulted in cost savings across the board.
  • Cultivated a culture of collaboration among department heads to facilitate cross-functional project execution.
  • Reviewed reports from functional areas to assess progress towards organizational goals.
  • Analyzed market trends to identify opportunities for growth within existing markets or new ones.
  • Spearheaded efforts to enhance customer service processes while maintaining quality assurance standards.
  • Designed incentive programs that motivated staff members while ensuring profitability targets were met.
  • Assisted with product launches by coordinating promotional activities with sales teams.
  • Advised senior executives on approaches for resolving complex issues impacting operations.
  • Identified problems and implemented solutions to better streamline operations.
  • Delivered strategic input into business decisions and deals.
  • Led team in strategic executive-level planning.
  • Determined performance goals and offered tactics for achieving milestones.
  • Networked with industry contacts to gain competitive insights and inform best practices.
  • Provided valuable leadership for program team members and third-party consultants.
  • Assessed project resource requirements to support strategic execution.
  • Created and integrated market plans to position company brands in target marketplace.
  • Implemented strategic offerings to enhance company's suite of products and services.
  • Oversaw technological improvements, successfully reducing waste and eliminating business bottlenecks.
  • Exceeded sales goals through upselling and cross-selling within existing client base as well as strategically attracting new business.
  • Fostered collaboration and development of new practices by business leaders.
  • Improved profitability by accurately maintaining P&L to meet prime fiscal responsibility.
  • Leveraged trends in customer industries and marketplaces to shape solutions and approaches.
  • Hired, trained and mentored sales and marketing staff dedicated to employing Google AdWords, Google Analytics and other SEO techniques and metrics sources.

Team Leader Wholesale Account Executive

WAMU
Edison, NJ
07.2001 - 09.2007
  • Provided guidance to customers regarding loan products, eligibility requirements, application processes, documentation requirements.
  • Developed relationships with prospective borrowers through cold-calling activities and referrals from other sources.
  • Prepared detailed reports for management on current loan portfolio performance trends.
  • Maintained strong knowledge base of lending regulations, best practices and industry trends.
  • Researched potential new markets for loan product sales opportunities.
  • Performed ongoing analysis of customer needs in order to develop tailored solutions that meet their objectives.
  • Monitored changes in borrower's credit profiles over the life of the loan in order to identify any potential areas of concern or delinquency.
  • Ensured accuracy of all data entered into the bank's database system related to loan origination activities.
  • Presented complex financial concepts in an easy-to-understand manner for customers who have limited understanding of banking terminology.
  • Attended networking events and conferences in order to build relationships within the industry.
  • Responded promptly and accurately to inquiries from customers regarding their accounts and services offered by the bank.
  • Identified cross-sell opportunities with existing customers as well as prospects during client meetings.
  • Reviewed loan applications and credit histories to determine the degree of risk involved in extending credit.
  • Analyzed financial information provided by clients to determine repayment ability and appropriate loan amount.
  • Conducted periodic reviews of existing loans to ensure compliance with established policies and procedures.
  • Processed challenging loan applications for first-time borrowers, self-employed applicants and borrowers with problematic credit histories.
  • Analyzed applicants' financial status, credit and property evaluations to determine feasibility of granting loans.
  • Resolved concerns and answered questions for parties involved with each transaction to promote successful outcomes.
  • Educated customers on variety of loan products and available credit options to promote valuable decision-making.
  • Built referral business by meeting with local financial planning, home builders and real estate professionals.
  • Delivered high levels of customer service to facilitate smooth processes.
  • Developed and maintained knowledge of available loan products, processing procedures and underwriting and general departmental guidelines.
  • Executed loan origination process and ordered credit reports, appraisals and preliminary title reports.
  • Analyzed applicants' financial status and credit and property evaluation to determine feasibility of granting loan.
  • Managed pipeline for originated loans through closing and complete required management reports.
  • Approved loan within specified limits or referred to appropriate approval level.
  • Recommended loan approvals and denials based on customer loan application reviews.
  • Obtained and compiled copies of loan applicants' credit histories, corporate financial statements and other financial information to update credit and loan files.

Senior Account Executive

Expanded Mortgage Credit
Palm Beach , FL
09.1996 - 06.2001
  • Same as above, with the difference of managing a team of 10

Vice President Wholesale Division

Parkway Mortgage
Palm Beach, FL
01.1995 - 09.1996

Education

GED -

Parsippany Troy Hills
Parsippany, NJ
06.1988

Skills

  • Application Preparation
  • Appraisal Compilation
  • Information Verification
  • Collections Proficiency
  • Document Analysis
  • Customer Service-Focused
  • Sales Expertise
  • Relationship Building and Management
  • Team Player
  • Business Development
  • Excellent Communicator
  • Friendly
  • Reliable
  • Database Management
  • Client Relations
  • Loan origination

Accomplishments

  • Recognized as Employee of the month for outstanding performance and team contributions.
  • Consistently maintained high customer satisfaction ratings.
  • Promoted from Senior Account Executive to Vice President, in less than 12-months.

Timeline

Relationship Manager

Launch Financial Group
04.2024 - Current

Loan Officer

Asset Based Lending Consultants
11.2023 - 08.2024

Senior Loan Officer

Family First Funding, Inc
08.2021 - 12.2022

Senior Loan Officer

Cardinal Health
01.2020 - 08.2021

Senior Loan Officer

Residential Home Funding Corp.
11.2019 - 01.2020

Senior Loan Officer

United Northern Mortgage Bankers
03.2016 - 11.2019

Senior Loan Officer

Residential Home Funding Corp.
03.2015 - 03.2016

Vice President Wholesale Division

Residential Home Funding Corp.
11.2007 - 03.2015

Team Leader Wholesale Account Executive

WAMU
07.2001 - 09.2007

Senior Account Executive

Expanded Mortgage Credit
09.1996 - 06.2001

Vice President Wholesale Division

Parkway Mortgage
01.1995 - 09.1996

GED -

Parsippany Troy Hills

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