THOMAS KILCOURSE
Walnut Creek,USA
Summary
Organized Loan Officer Assistant bringing exceptional administrative and problem-solving skills focused on efficiently fulfilling loan requirements. Knowledgeable about checklists and disclosures, business correspondence and recordkeeping. Skilled at keeping all paperwork orderly and properly transferred.
Diligent and resourceful financial professional skilled in client relations and loan product recommendations. Highly responsive to delivery of services and focused on customer relationship building. Achieves compliance with company policies and regulations in carrying out job functions.
Overview
10
10
years of professional experience
Work History
Mortgage Loan Officer Assistant
PNC Bank N.A.
01.2020 - 04.2024
- Professional Assistant position focusing on the management of client pipelines and loan files of 2 to 4 Loan Officers at a time.
Highly detail oriented position involving the review and handling of confidential information such as; bank statements, tax returns, and business
treasury documents. - A strong sense of positive interpersonal social skills, and teamwork. Adapted to each Loan Officer's style of work and their individual expectations, to
remain flexible, consistently improve, and best compliment their skill sets as a team. - Achieved a consistently high Net-Promoter Score based on customer reviews, averaging a 9.9/10 over 4 years while managing 2 to 4 pipelines for
individual Loan Officers. - Designed and created Excel processing tools for Loan Officer Assistant position to help; review files for completion, calculate loan scenarios, organize
client accounts, and track documentation for Loan Officer books of business. This tool was adopted by other Assistants to improve workflow with a
higher rate of accuracy and productivity. - A heavy focus on follow-through and attention to detail resulting in consistent quality metrics, achieving a 99% average quality review score across
my pipeline reviews over 4 years. - Acted as transaction coordinator with clients, real estate agents, and underwriters to facilitate a smooth loan application and approval process. This method of organization and communication allowed Loan Officers to focus on sales generation and productivity.
Bankruptcy Specialist
PNC Bank N.A.
06.2016 - 01.2020
- Managed a pipeline of 60 to 100 Bankruptcy filings. These required constant review and high risk decision responsibility for all PNC product types and
consumer accounts. - Constant communication and adaptability to facilitate both debtor and creditor attorneys to resolve conflicts, adversarial matters, reconcilement, and
treatment. - Conducted thorough investigations into debtor assets and financial history to support bankruptcy proceedings, or review and analyze bankruptcy
filings to determine eligibility for debt relief programs. - Generated and filed bankruptcy court document filings in compliance with each state's individual court guidelines across the 90 Bankruptcy districts.
- Generated databases of up-to-date on changes in bankruptcy laws and regulations to ensure accurate and efficient handling of cases.•
Responsible for several improvements to processes and procedures, resulting in positive gains to productivity and quality metrics.
Branch Loan Officer
PNC Bank N.A.
12.2014 - 06.2016
- Strong attention to detail and understanding, advising on products and solutions tailored to each clients goals and financial needs.
- Strong use of people skills, and listening focus. Knowledge of how to lead and maintain de-escalate stressful or difficult conversation topics, leading
to a continued positive relationship with our clients. - Achieved a branch leadership position, later training and coaching team members to help them reach their sales goals.
- Trainer for all branch team members for topics of products, sales strategies, risk avoidance, processing, and client experience.
- Analyzed credit reports, income verification, and other documentation to determine eligibility for mortgage and consumer loans.
- Achieved branch loan targets by proactively seeking out new business opportunities and promoting loan products to potential customers.
Customer Service Associate
PNC Bank N.A.
12.2013 - 12.2014
- Teamed closely with the branch Loan Officers, gaining knowledge on their tasks and strategies.
- Began directly assisting our Loan Officer team; assuming available tasks around document collection, review, and routing.
- Received a high standing in regional sales conversion, leading Teller positions in sales.
- Provided exceptional customer service to resolve inquiries, concerns, and complaints in a timely and professional manner.
- Maintained detailed records of customer interactions and transactions in CRM system.
- Collaborated with cross-functional teams to address complex customer issues and improve overall customer satisfaction levels.
Education
High School Diploma -
Wooster High School
Wooster, OH07-2008
Skills
- File management
- Regulatory compliance
- Risk management assessments
- Detail Oriented Processing
- Interpersonal Skills
- Strong Customer Focus
- Data Analysis
- Loan processing
- Underwriting support
- Documentation review
- Microsoft Office, Excel, Adobe Premier
- Report preparation
References
- Rita Pen, Loan Officer - Direct Manager, (06/23 to 04/24) - p.1-650-313-3424
- Anthony Locy, Loan Officer - Direct Manager, (09/20 to 06/23) - p.1-925-788-7800
- Jennifer Ramsey, Team Leader - Direct Manager, (05/18 to 01/20) - p.330-998-4546
Timeline
Mortgage Loan Officer Assistant
PNC Bank N.A.
01.2020 - 04.2024
Bankruptcy Specialist
PNC Bank N.A.
06.2016 - 01.2020
Branch Loan Officer
PNC Bank N.A.
12.2014 - 06.2016
Customer Service Associate
PNC Bank N.A.
12.2013 - 12.2014
High School Diploma -
Wooster High School
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