Thomas Hammond
St. Louis,MO
Summary
Multi-talented loan processing professional versed in customer service and bank standards. Excellent communicator and decision-maker with a strong eye for detail and a proactive nature.
Overview
19
19
years of professional experience
Work History
Sr Loan Processor
Groundwork Mortgage
Chesterfield , MO
07.2021 - Current
- Analyzed income documentation including pay stubs, W2s, tax returns, bank statements. to determine borrower's ability to repay the loan.
- Answered questions and advised customers regarding loans and transactions.
- Utilized various software programs such as Calyx Loan Origination System for data entry purposes.
- Processed loan documents in a timely manner to meet closing deadlines.
- Filed and maintained loan records.
- Assembled and compiled documents for loan closings.
- Evaluated financial statements and contacted institutions and customers to clarify details.
Certified Credit Processor
TIAA Bank
Chesterfield, MO
03.2013 - 07.2021
- Evaluated financial statements and contacted institutions and customers to clarify details
- Checked approvals against established bank and government lending standards
- Reviewed and verified borrowers' income, credit reports, property appraisals and supplemental information to prepare documents for underwriting
- Supported loan officiant and underwriter teams by ensuring timely, judicious and accurate loan processing
- Communicated with customers in person and via telephone to answer questions, process transactions and resolve issues
- Analyzed applicants' financial status, credit and property evaluation to determine feasibility of granting loan
- Subject matter expert for both Loan processors and Loan Officers
- Advising on how to best analyze income, assets, and provide excellent customer service.
Manager
Walgreens
St. Louis, MO
05.2005 - 03.2013
- Monitored supplier operations to verify quality, delivery schedule and conformance to contract specifications
- Evaluated operational trends and made proactive strategy adjustments to maintain alignment between performance and objectives
- Collaborated with staff to maximize customer satisfaction, streamline procedures and improve bottom-line profitability
- Assigned tasks to associates to fit skill levels and maximize team performance
- Conducted inventory counts by assessing current state of inventory integrity against target accuracy levels and tracking variances
- Trained employees on additional job positions to maintain coverage of roles at all times.
Education
Bachelor of Science in Psychology -
University Of Edwardsville IL
06.2005
Skills
- Loan Origination and Underwriting
- Cash Flow and Financial Analysis
- Processing documents
- Risk management
- Mortgage Banking and Analysis
- Customer outreach
- Quality assurance
- Employee development
- Employment Verification
- Excellent customer service skills
Timeline
Sr Loan Processor
Groundwork Mortgage
07.2021 - Current
Certified Credit Processor
TIAA Bank
03.2013 - 07.2021
Manager
Walgreens
05.2005 - 03.2013
Bachelor of Science in Psychology -
University Of Edwardsville IL
Similar Profiles
Arshdeep SinghArshdeep Singh
Construction worker at Groundwork and concrete jobsConstruction worker at Groundwork and concrete jobs
Nyrisha WilliamsNyrisha Williams
Shipping and FulFillment Supervisor at Groundwork Coffee RoastersShipping and FulFillment Supervisor at Groundwork Coffee Roasters
Edward McginnEdward Mcginn
Groundworker at Km groundworkGroundworker at Km groundwork
Celestina AlstonCelestina Alston
General Laborer/Warehouse/Customer Service Rep at Crown Staffing Agency- "Premium"/ "Drury Inn HotelGeneral Laborer/Warehouse/Customer Service Rep at Crown Staffing Agency- "Premium"/ "Drury Inn Hotel
Candace DavisCandace Davis
Licensed Senior Medicare Sales Agent at UnitedHealth GroupLicensed Senior Medicare Sales Agent at UnitedHealth Group