Victoria Williams
Indian Trail,NC
Summary
Dynamic professional with a proven track record at Fairway Independent Mortgage, enhancing loan processing efficiency and customer satisfaction. Expert in utilizing Encompass and demonstrating exceptional service-oriented communication. Achieved significant improvements in loan approval rates and processing times through meticulous attention to detail and effective teamwork.
Overview
14
14
years of professional experience
1
1
Certification
Work History
Producing LO/ Licensed LOA/ Processor/ LOA Manager
Fairway Independent Mortgage
Matthews, USA
07.2014 - Current
- Evaluated potential leads derived from real estate connections to determine viability.
- Generated pre-approval letters.
- Disclose applications.
- Analyze findings and loan conditions for Conventional, FHA, and VA loans to ensure compliance.
- Read and understand the loan program's specific requirements as they relate to processing.
- Send loan approvals within 48 hours of receipt, and complete correspondence with borrowers.
- Work with loan officers to ensure loans close on schedule.
- Communicate with customers from loan origination to closing.
- Maintain the pipeline and up-to-date documentation at all times.
- Communicate effectively with underwriters, title companies, and loan officers on loan status.
- Adjusted job assignments and schedules to keep pace with dynamic business needs, factoring in processes, employee knowledge, and customer demands.
- Set, enforced, and optimized internal policies to maintain efficiency and responsiveness to demands.
- Applied customer feedback to develop process improvements and support long-term business needs.
- Reviewed performance data to monitor and measure productivity, goal progress, and activity levels.
- Raised performance in areas of sales, management, and operations by identifying and targeting areas in need of improvement.
- Communicated effectively with borrowers regarding changes or issues that arose during the processing period.
- Reviewed loan applications, verified accuracy of information and determined eligibility for approval.
- Conducted preliminary checks to assess applicants' creditworthiness and eligibility.
- Maintained a database of applicant information, processing stages, and outcomes.
- Ensured proper security measures were taken when handling sensitive customer data.
- Responded to inquiries from applicants and internal teams regarding processing status and decisions.
- Tracked and reported on processing times, approval rates, and other performance metrics.
- Calculated, reviewed, and updated financial or other relevant information.
- Maintained strong relationships with internal departments such as underwriting and funding teams.
- Verified borrower information including income, assets, liabilities and employment history.
- Utilized specialized processing software and systems effectively.
Server
Hickory Tavern
Weddington, USA
01.2011 - 07.2014
- Protect establishment and patrons by adhering to sanitation, safety and alcohol beverage control policies
- Help patrons select food and beverages by presenting menu; offering cocktails; suggesting courses; explaining the chef's specialties; identifying appropriate wines; answering food preparation questions
- Stay updated on current menu choices, specialties and menu deviations, knowing if the kitchen staff is running out of any items, etc
- Serve orders by picking up and delivering patrons' choices from bar and kitchen; deliver accompaniments and condiments from service bars
- Train employees and staff on all transaction and operational systems
- Respond to additional patron requirements by inquiring of needs; observing dining process
- Conclude dining experience by acknowledging choice of restaurant; inviting patrons to return
- Added Prior Employment Experiences: Child Care
Education
Associate Degree - Business Management
Central Piedmont Community College
Skills
- Foxit Software
- Data Entry Software
- Google Docs/Drive
- Quicken
- Dropbox
- Microsoft Works/Office Suites
- Adobe Suite
- Docusign
- Evernote
- Encompass
- Social Media Marketing
- Office Management Expertise
- Auditing
- Service-Oriented Communication
- Accurate Data Entry
- Financial
- Marketing
- Personnel
- Policies
- Presenting
- Attention to detail
- Data file transferring
- Paperwork management
- Critical thinking
- Deadline driven
- Teamwork and collaboration
- Credit history review
Certification
- MLO Licensed in NC & SC
- NCHFA Approved Loan Officer
Accomplishments
- President's club at Fairway for our team within the Branch
References
References available upon request.
Timeline
Producing LO/ Licensed LOA/ Processor/ LOA Manager
Fairway Independent Mortgage
07.2014 - Current
Server
Hickory Tavern
01.2011 - 07.2014
Associate Degree - Business Management
Central Piedmont Community College
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