THERESA HOLBROOK
Salt Lake City,UT
Summary
EXPAND MY JOB KNOWLEDGE THROUGH THE SERVICE OF OTHERS.
Overview
26
26
years of professional experience
Work History
Mortgage Loan Officer / Consumer Loan
America First Credit Union
Ogden, UT
08.2005 - Current
- Obtained Mortgage Loan Officer authority on November 2, 2007.
- Obtained mortgage loan officer authority.
- Guided credit union members through mortgage applications and home lending options, ensuring clarity and satisfaction.
- Explaining mortgage rates, terms, and refinancing choices to members.
- Collected income, asset, and property records for mortgage review.
- Monitored loan status and provided timely updates to members throughout application process, enhancing member experience.
- Monitored compliance with all federal, state, and local regulations related to mortgage lending.
- Monitored compliance with federal lending rules and credit union policies.
- Assessed customer financial status and creditworthiness to determine eligibility for mortgage loans.
- Analyzed financial data obtained from customers including income, assets and liabilities to determine loan feasibility.
- Processed new loan applications in accordance with established guidelines.
- Conducted interviews with prospective clients to gather information regarding loan applications.
- Informed customers of application deadlines, approvals and denials.
- Evaluated existing customer accounts for refinancing opportunities or additional services offered by the company.
- Resolved borrower complaints in a timely manner while providing excellent customer service.
- Ensuring the effective execution of top-notch member service.
- Opportunities to show excellent member service in every situation. I have a very strong feelings when it comes to member service, It is the key root of everything AFCU stands for and myself.
- Before coming to the Contributed to operations at South Jordan Office, ensuring high-quality service., I have increased my knowledge of the lending system. I have completed lending 1, 2 and 3. I was awarded loan officer authority in March of 2006; Processed loan applications and opened new personal and business accounts, assisting members and employees with questions or concerns.
- Learned mortgage ware process to improve loan processing efficiency.
- Ranked on Top Mortgage list three times (April, November, December) and achieved highest loan volume in Eastern Division in December.
- South Jordan Office
- September 2016 Present
- Continued Learning the process of loan pro modern.
- Attended team meetings and trainings conducted by management staff regarding updates on products and services.
- September 2016 Present
Lead Teller / Loan Interviewer
America First Credit Union
Ogden, Utah
11.2003 - 08.2005
- Opportunities to train on member service were everywhere. I have a very strong feeling's when it come to member service.
- Met with applicants to obtain information for loan applications and answer questions about loan process.
- Gathered client debt, credit and income information to determine loan eligibility.
- Opportunities to train on member service were everywhere. I have a very strong feeling when it comes to member service.
- The training of new employees
- Being a new branch this was a hard one; however we were able to keep the tellers focused on their career path.
- Monitored daily cash usage at the branch.
- Movement with the development and training as a new supervisor moved along very quickly.
- Learn and develop my ability to perform as a new supervisor.
- Before coming to the park city office I had no knowledge of the lending system. I have completed lending 1,2 and I am scheduled for lending 3 in July. I also process loan applications as well as opening new accounts assisting members as needed with questions or any other concerns.
- Assisted customers at Park City Office.
- Being a new branch this was a hard one however we were able to keep the teller's focused on their career path.
- Maintains cash usage at the branch.
- Keeping the branch's money in line with the guidelines established by the credit union. Balancing a daily cash drawer as well as main cash and the cash machine.
- Park City Office
- Participated in team meetings, trainings conducted by management staff regarding updates on products, services offered by the company.
Teller
America First Credit Union
Ogden, Utah
01.2001 - 11.2003
- Received the top 10 list of tellers
- Became teller certified level 5
- Achieved highest transaction volume in branch, enhancing customer service throughput
- Assisted customers at Cottonwood Office.
- Oversaw cash handling processes., balancing the vault, Order cash.
- Balanced a cash drawer daily.
- Greeted and assisted members, addressing diverse financial needs effectively
Education
diploma -
Taylorsville High School
Salt Lake City, UTcertification -
Teller Training
Sandy, UTcertification -
Lead Teller Training
Ogden, UTcertification -
Lending Training
certification -
Mortgage Training
Skills
- Loan underwriting
- Regulatory Compliance
- Loan Processing Software
- GOOD PROBLEM SOLVING
- ABILITY TO COMPLETE TASKS IN A TIMELY MANNER
- EXCELLENT CUSTOMER SERVICE
- Customer Engagement
- TEAM PLAYER
Timeline
Mortgage Loan Officer / Consumer Loan
America First Credit Union
08.2005 - Current
Lead Teller / Loan Interviewer
America First Credit Union
11.2003 - 08.2005
Teller
America First Credit Union
01.2001 - 11.2003
diploma -
Taylorsville High School
certification -
Teller Training
certification -
Lead Teller Training
certification -
Lending Training
certification -
Mortgage Training