Teresa Rockwood
Polk City,Iowa
Summary
Well qualified Sales professional and Mortgage Broker Owner with over 20 years combined successful experience. I am a top performer with a proven track record of meeting company goals and customer expectations, and recognized for achieving company growth, building public awareness and leadership of staff, also known for building strong relationships with customers, community and staff while assisting others with problem resolution to obtain mutual goals. Skilled at educating customers on real-estate, financing products, loan, closing process and meeting short term and long term needs.
Knowledgeable Loan Processor bringing [Number] years of experience in banking and financial positions. Highly skilled in working well with people of all backgrounds to complete loan packages. Adept at building loyalty and trust between bank and customer.
Overview
33
33
years of professional experience
Work History
Loan Processor
Iowa Bankers
06.2012 - 01.2024
- Loan process from set up to closing
- Refinances and purchase
- Responsible for meeting all closing deadlines
- Handling all electronic mailboxes and faxes for all departments
- Managing reports
- Responsible for title, appraisal and termite orders and review
- Conventional and Government Financing
- Responsible for Re-disclosure and compliance
- DU experience
- E-3 experience
- Customer service to customers and bankers
- FHA, RD, VA, IFA knowledge and experience
- Average pipeline 25-48 file
- Encompass Experience.
- Analyzed loan applications and supporting documents to determine eligibility for approval.
- Reviewed credit reports and financial information to evaluate creditworthiness of applicants.
- Performed detailed calculations to verify income, assets, liabilities and other data provided by applicants.
- Communicated with customers via telephone or email to obtain additional documentation required for loan processing.
- Submitted loan applications to underwriting department for review and approval process.
- Maintained accurate records in computer database system during loan origination process.
- Reviewed appraisals to ensure accuracy of value estimates.
- Collaborated with underwriters to resolve any discrepancies in applicant's financial profile or documentation issues.
- Updated customers regularly on status of their loans throughout the processing period.
- Provided excellent customer service while responding promptly to inquiries from applicants, lenders and brokers.
- Calculated income, assets and liabilities to meet lender requirements.
- Maintained fast-paced schedule by consistently providing satisfactory application approval turnaround times.
Owner
Wellness Center
01.2008 - 01.2011
- Managed a staff of 15, which included scheduling, payroll, interviewing, hiring and termination
- Organized classes and activities
- Also, community events and fund raising events
- Oversaw day to day operations, such as ordering supplies, managing expenses and other administrative tasks.
- Managed daily operations of business, including hiring and training staff.
- Developed strategic plans to increase profitability and efficiency.
- Identified new opportunities for growth, expansion, and diversification.
- Created marketing campaigns to attract new customers.
- Oversaw budgeting and financial management.
- Organized events such as trade shows and conferences.
- Developed policies and procedures for the organization.
- Set pricing structures according to market analytics and emerging trends.
- Oversaw staff hiring, initiating new training and scheduled processes to streamline operations.
Broker Associate
Iowa Realty
01.1991 - 01.2011
- Researched information for comparative property analysis, as well as pre-qualified customers for mortgages
- Prepare and review all legal documents to secure property
- Project Manager of multiple new construction projects for over 20 years (strong expertise in townhome lifestyle)
- Managed several agents in marketing, sales, and closings and to staff all projects
- Scheduled team for appropriate coverage
- Developed marketing material such as brochures, and concepts for marketing agency, which included print, TV and radio ads
- Responsible in assisting CEO with yearly marketing budgets that were in Excel
- Resolved complex problem as they would arise
- Responsible for on line marketing including assisting in building and maintain website
- Appropriate follow-up
- Strategic Planning
- Planned Christmas parties, monthly meetings for staff
- Also, city wide open houses and trade shows for the public
- Negotiated and helped buyer and seller through the closing process
- Post-closing follow up to ensure customer satisfaction
- Maintained sales process and sales records.
- Negotiated terms of purchase and sale agreements with buyers and sellers.
Owner
Rockwood Mortgage
01.2001 - 01.2008
- Completed loan applications for customers and facilitated securing investors for them
- Analyzed credit reports
- Verify all information given to make sure true and complete
- Package file in accordance with investors instructions
- Worked with Underwriters during the loan process to ensure completeness, and followed up with any missing information
- Oder appraisals, title and inspections
- Clear any title objections
- Prepared loan documents for closing, secured closing locations and attended closings
- Deliver proceeds if necessary
- Followed up to ensure customer satisfaction
- Worked within all compliance requirements
- VA, FHA, RD, IFA experience.
Skills
- MS Word
- MS Office
- Excel
- Quick Books
- E3
- Encompass
- Deadline Management
- Loan Disclosures
- Credit Analysis
- Verifying Information
- Loan Submissions
- Customer Service
- File Management
- Teamwork and Collaboration
- Dedicated Work Ethic
Accomplishments
- Brokers Licensee
- Presidents Club
- Hall of Frame
- New Construction Specialist
- Underwriting classes MBA
Academic
- Dowling High School Graduated 1986
- University of Iowa 1986-1989
Core Competences
- Professional networking/ Direct Marketing/Sales promotion/New business development/Relationship management/Lead management
- Self-started/Self motivated
- Client service
- Forecasting/training
- Prepare and deliver presentations
- Origination of purchase and refinance
- Responsible for all compliance
- Ordering title and Termite
- Analyzed reports
- Knowledge of loan process and compliance
- Team Building
- Account management
- Market expansion/Completive market positioning
- Developed marketing campaigns/special events
- Project manager of multi locations and agents
- Managed customer database
- Staff facilitator
- Pipeline retention
- Contract negotiation and closing/full sales cycle
- Strategic planning
Focus
Sales/Sales management/Business development/Finance/Loan processing/Loan Origination
References
Available upon request
Timeline
Loan Processor
Iowa Bankers
06.2012 - 01.2024
Owner
Wellness Center
01.2008 - 01.2011
Owner
Rockwood Mortgage
01.2001 - 01.2008
Broker Associate
Iowa Realty
01.1991 - 01.2011
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