Tianda Tuft
Waxhaw,NC
Summary
Experienced Loan Officer adept at assessing customer needs, providing suitable products and guiding customers through loan process. Handles complex financial transactions using in-depth knowledge of loan products, services and lending regulations. Develops strong customer relationships by providing excellent service.
Overview
17
17
years of professional experience
Work History
Senior Loan Officer
Monarch Mortgage
09.2022 - Current
- Submitted over 100 loan applications to underwriter for verification and recommendations.
- Originated, reviewed, processed, closed, and administered customer loan proposals.
- Developed and maintained relationships with local real estate agents.
- Reviewed and edited loan agreements to promote efficiency and accuracy.
- Maintained strict confidentiality of bank records and client information.
- Recommended loan approvals and denials based on customer loan application reviews.
- Approved loan applications based on customer creditworthiness and provided detailed financial advice.
- Monitored pipelines to track and log status of loans.
Customer Risk Associate
LPL Financial Services
11.2022 - 04.2023
- Investigated allegations to check validity and recommend actions to minimize risk.
- Reviewed contracts and agreements to identify potential risks and ideal mitigation strategies.
- Developed short-term goals and long-term strategic plans to improve risk control and mitigation.
- Employed strong program management skills to successfully define and manage ongoing initiatives designed to control risks.
- Trained and mentored analysts on SAS programming, analytics and influential communication.
- Informed financial decisions by analyzing financial information to forecast business, industry or economic conditions.
- Assessed liquidity and market risk levels and applied risk-based approach to oversee financial activities.
- Looked at current and new merchants and individual sales to evaluate fraud, chargeback and compliance risks.
- Produced accurate and timely collections reports, facilitating measurement, decision-making and engagement with customers.
Senior Loan Processor
Highlands Residential Mortgage
05.2020 - 04.2023
- Reviewed loan files for completeness, identified missing documentation, and generated condition lists for applicants.
- Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
- Prepared documents for underwriting by verifying client income, credit reports, and other information.
- Handled any conditions sent from underwriting departments.
- Affirmed loan document accuracy to protect lenders from potential fraud.
- Developed and maintained relationships with customers and loan officers to establish smooth loan process.
- Set up and completed loan submission packages.
- Collaborated with loan officers to develop strategies for managing loan application processing.
- Stayed up to date on loan regulation changes, processing loan applications in compliance with current laws.
- Advised loan officers to comply with loan guidelines and apply best practices.
- Processed loans within various departments to achieve timely, accurate, and fair proceedings.
Senior Loan Processor
Homestar Financial
05.2022 - 09.2022
- Reviewed loan files for completeness, identified missing documentation, and generated condition lists for applicants.
- Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
- Prepared documents for underwriting by verifying client income, credit reports, and other information.
- Handled any conditions sent from underwriting departments.
- Coordinated closing process with attorneys, title companies, and government clerks.
- Verified credit histories, personal references and employment backgrounds for each applicant.
- Communicated acceptance or rejection to applicants via mail, email, telephone or personal consultations.
- Reviewed and validated details of loan applications and closing documentation.
- Calculated debt-to-income ratios to determine maximum loan amounts and avoid overextending applicants.
Senior Loan Processor
Movement Mortgage
05.2017 - 06.2019
- Reviewed loan files for completeness, identified missing documentation, and generated condition lists for applicants.
- Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
- Prepared documents for underwriting by verifying client income, credit reports, and other information.
- Handled any conditions sent from underwriting departments.
- Coordinated closing process with attorneys, title companies, and government clerks.
- Provided quick turnaround times to maintain fast-past schedule.
- Evaluated approvals against established bank and government lending standards.
- Reviewed financial statements and contacted institutions and customers to clarify details.
- Assisted loan officers with origination and closing processes to fastrack procedures and promote teamwork.
- Analyzed credit reports to determine eligibility of applicants and capacity for loan products.
- Facilitated communication with loan applicants, underwriters and loan officers to optimize process and maintain updated information.
Compliance Analyst
Tbags Inc.
01.2007 - 05.2017
- Reviewed audit and monitoring reports related to consumer and client activities.
- Prepared documentation and records for upcoming audits and inspections.
- Stayed current with latest changes to applicable regulatory standards and company procedures.
- Assisted investigation and risk management teams with fraud investigations and risk identification.
- Helped create training programs to handle system-wide issues and maintain compliance.
- Developed improvement and corrective action plans to bring operations in line with requirements.
- Enforced compliance with complex state and federal laws, rules and regulations for industry.
- Created and maintained compliant work environment.
- Maintained up-to-date knowledge of applicable laws and regulations.
- Developed risk assessment models to identify potential compliance risks.
- Collected detailed notes on investigations and other communication to adhere to legal requirements and enhance recordkeeping.
Education
Associate of Arts - Accounting And Finance
DeVry University
Downers Grove, IL06.2017
Skills
- MS Office Expertise
- Experian Transact SM
- Loan Officer Training
- Commercial Real Estate
- Cash Handling
- Application Preparation
- Customer Proposals
- Property Evaluation
- Financial Advisement
- Sales Expertise
- Mortgage Loan Origination
- Financial Analysis Aptitude
- Financial Transactions Expertise
- Appraisal Compilation
- Application Verification
- Financial Services
- Payment Schedules
- Excellent Time Management
- Complex Problem-Solving
- Proficiency in Accounting Systems and Software
- Balance Sheet Expertise
- Loan Application Management
- Risk Management Assessments
- Database Management
- Cash Reconciliation
- Detail Orientation
- Document Analysis
- Anti Money Laundering (AML)
- Client Support
- Detailed Analysis
- Financial Industry Computer Systems Loan Accountant
- NMLS Registration
- Financial Accounting
- Fraud Prevention and Detection
- LoanMaster Loan Servicing
- Banking
- Loans
- Equifax Application Engine
- 10-Key Data Entry
- Active Listening and Learning
- Serve Customer Needs
- Verify Agreements
NMLS License 2415376
Licensed in all 50 states
Timeline
Customer Risk Associate
LPL Financial Services
11.2022 - 04.2023
Senior Loan Officer
Monarch Mortgage
09.2022 - Current
Senior Loan Processor
Homestar Financial
05.2022 - 09.2022
Senior Loan Processor
Highlands Residential Mortgage
05.2020 - 04.2023
Senior Loan Processor
Movement Mortgage
05.2017 - 06.2019
Compliance Analyst
Tbags Inc.
01.2007 - 05.2017
Associate of Arts - Accounting And Finance
DeVry University