Tania Hamdan
Euclid,OH
Summary
Astute Loan Processor with 20 years of bank experience including Mortgage Processing, Credit Analysis, and Risk Analysis. Works exceptionally well in fast-paced environments driven by deadlines. Competent, knowledgeable and employs a critical eye toward document details.
Overview
12
12
years of professional experience
Work History
Mortgage Loan Processor
JPMORGAN CHASE
Cleveland, OH
11.2019 - Current
- Maintained a Pipeline as high as 75 loans
- Handled any conditions sent from underwriting departments.
- Maintained compliance with privacy and security requirements, as well as federal statutes.
- Communicated with originator and applicant concerning progress of loan file.
- Prepared file for final clear-to-close.
- Checked daily reports each morning to identify priorities or issues for escalation to supervisor.
- Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
- Coordinated closing process with attorneys, and title companies.
- Collected and compiled paperwork such as title abstracts, insurance paperwork, loan files and tax histories.
- Updated insurance policies and verified employment.
Senior Mortgage Processor Specialist
BANK OF AMERICA
Beachwood, OH
2012 - 2013
- Ensured timely and accurate loan processing through efficient compilation of borrowers information and loan document verification
- Adhered to strict compliance on all loan documents with Federal, underwriting, and company guidelines
- Communicate between loan originator and underwriter for speedy close
- Coordinated loan closings and package transfers between the borrower, notaries, and title companies
- Achieved highest loans closed on team while maintaining superior customer service and compliance scores
- Chosen by manager as Team Leader to assist peers in maximizing potential and improving overall team goals
Existing Customer Credit Senior Analyst III
BANK OF AMERICA
10.2009 - 09.2012
- Responsible for identifying and mitigating potential bank risk and thoroughly developing customer's financial situations
- Performed credit analysis with customers to assign appropriate credit lines, reopen closed accounts, and find suitable solutions for financially stressed customers
- Negotiated interest rates and provide various products to improve overall customer satisfaction while protecting banks financial interest
- Consistently achieved goal each year while in department
- Conducted financial review of customer lines of credit by assessing company financials and initiating credit application reviews.
- Complied with internal controls and government regulations.
- Performed credit reviews on corporations to assess financial conditions.
- Made decisions and recommendations about extending lines of credit.
- Placed customer accounts on hold due to past due payments.
- Used Microsoft Word and other software tools to create documents and other communications.
Unsecured Lending Senior Credit Analyst II
BANK AMERICA
06.2006 - 09.2009
- Originated unsecured consumer loans with credit limits up to 125k
- Meticulously developed customer demographics to determine correct line assignments, negotiate appropriate interest rates, and determine credit line insurance eligibility
- Activated an average of $1.5 million dollars on a monthly basis
- Created and improved incentive plan for the entire lending department that was implemented by upper management
- Assessed credit risk and analyzed financial statements.
- Improved understanding of financial statements, which helped in assessing risk.
Mortgage Origination Senior Loan Officer
BANK OF AMERICA/ MBNA
03.2005 - 06.2006
- Originated conventional refinances on 1st and 2nd mortgages
- Maintained sales in top 25% of division on a monthly basis
- Responsible for selling and originating mortgage loans through various lead channels including referrals and direct mail
- Worked with underwriters to fix application problems and resolve issues.
- Proactively identified solutions for customers experiencing credit issues.
Credit Card - Consumer Finance -Recovery Customer Assistance
MBNA Marketing Systems
Beachwood, OH
8 1999 - 2 2005
- Managed the delinquency on portfolios from $2m to $3m which included credit cards, personal loans and charged - off accounts
- Negotiated payments arrangements to ensure a mutual benefit for both the customer and the company's forecasted goals
- Developed new process for employee evaluation which resulted in marked performance improvements
- Analyzed credit bureau information to determine whether loans should continue to report as an asset to the company or be charged - off
- Recovered all or portion of charged - off balances by working settlements and prevent accounts from going to collection agencies
- Reduced an average of $2 million per month in balances from charge off against a peer average of $700k
Senior Customer Service Representative
MBNA
09.1997 - 09.1999
- Answered an average of 150 calls per day by addressing customer inquiries, solving problems and providing new product information.
- Effectively communicated with and supported sales, marketing and administrative teams on a daily basis
- Selected by management to mentor new employees and teach continuing education
- Achieved goal each month and received numerous commendations from customers and management
- Developed reputation as an efficient service provider with high levels of accuracy.
- Investigated and resolved customer inquiries and complaints in a timely and empathetic manner
Education
Business
Cleveland State University
Cleveland, OHSkills
- Effective facilitation and negotiation skills
- Strong sense of pro-activity and urgency
- Exceptional qualitative problem solving skills
- Excellent analytical skills
- Exceptional detail orientation with proven ability to meet deadlines, prioritize and perform wide variety of tasks throughout the day
- Ability to perform job functions accurately
- Well-developed skills acquired through working in a fast paced, goal oriented environment
- Self-motivating, hard-working individual who enjoys working independently and in a team environment
- Continuously and aggressively achieved the highest performance standards through a seventeen year career in every position held
License
NMLS ( Nationwide Multistate Licensing System and Registry )
Timeline
Mortgage Loan Processor
JPMORGAN CHASE
11.2019 - Current
Existing Customer Credit Senior Analyst III
BANK OF AMERICA
10.2009 - 09.2012
Unsecured Lending Senior Credit Analyst II
BANK AMERICA
06.2006 - 09.2009
Mortgage Origination Senior Loan Officer
BANK OF AMERICA/ MBNA
03.2005 - 06.2006
Senior Customer Service Representative
MBNA
09.1997 - 09.1999
Senior Mortgage Processor Specialist
BANK OF AMERICA
2012 - 2013
Credit Card - Consumer Finance -Recovery Customer Assistance
MBNA Marketing Systems
8 1999 - 2 2005
Business
Cleveland State University
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