Summary
Overview
Work History
Education
Skills
Key Skills And Competencies - Sales And Marketing
Languages
Timeline
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Vivian Karayianni

Houston,TX

Summary

Experienced professional with a strong background in Business Banking and Residential Lending, accumulating 16 years of valuable industry knowledge. Multicultural communication skills and extensive geographical understanding. Excels at building and maintaining lasting relationships. Seeking a new career path and eager to join a leading, high-growth company for continued professional development.

Overview

15
15
years of professional experience

Work History

Mortgage Specialist

Prosperity Bank
01.2019 - 05.2024
  • Achieved over $150MM in successfully closed loans.
  • Achieved high customer retention rate through exceptional relationship management and personalized service.
  • Enhanced client trust in the organization through transparent communication and consistent delivery on commitments.
  • Provided comprehensive financial guidance to clients, recommending suitable mortgage products based on their needs and goals.
  • Collaborated with real estate agents to establish referral networks, fostering mutually beneficial partnerships.
  • Managed a diverse pipeline of mortgage applications, prioritizing tasks effectively to meet deadlines consistently.
  • Conducted analysis on business tax returns and financial data.
  • Evaluated pay stubs, credit history, tax information and bank statements for financial status.
  • Assisted clients in navigating complex mortgage documentation, ensuring a smooth application experience from start to finish.
  • Successfully closed loans by conducting thorough risk assessments and ensuring compliance with applicable regulations.
  • Streamlined internal processes by implementing digital tools, enhancing overall efficiency within the department.
  • Developed new business and increased sales through targeted market penetration, extensive training, business partnerships and customer relationships.
  • Maintained up-to-date knowledge of industry trends, enabling informed decision-making and accurate advice for clients.
  • Developed targeted marketing campaigns to attract potential clients, increasing business growth in key demographics.
  • Improved client satisfaction by efficiently processing mortgage applications and providing timely updates.
  • Attracted new mortgage loan applications by developing relationships within community.
  • Mitigated credit risk by conducting thorough due diligence checks on all applicants, safeguarding the organization''s interests.
  • Reduced loan approval time by streamlining the application review process and collaborating with underwriters.
  • Negotiated favorable terms for borrowers by leveraging strong relationships with lending institutions.
  • Communicated with clients, processing teams and other third parties to achieve prompt loan closings.
  • Maintained high level of customer satisfaction by providing prompt and accurate loan status updates.
  • Worked with underwriters to fix application problems and resolve issues.
  • Followed up with clients on missing loan documents, providing guidance on best way to complete application process.
  • Participated in industry events and conferences to build relationships and gain market intelligence.
  • Explained different types of loans pertaining to client situations.
  • Assisted clients in selecting correct loan product and terms to meet needs and financial goals.
  • Developed extensive network of referral partners to source new mortgage loan opportunities.
  • Negotiated loan terms and conditions with clients to maximize profitability.
  • Monitored pipelines to track and log status of loans.
  • Developed and maintained relationships with customers, lenders and other third parties.
  • Identified opportunities to cross-sell and upsell loan products to customers.
  • Proactively identified solutions for customers experiencing credit issues.
  • Assisted customers with completing loan applications and other paperwork.
  • Negotiated loan terms and conditions with customers to secure best deal.
  • Assessed loan portfolios for compliance with underwriting policies.

SR. HOME LENDING ADVISOR

JPMorgan Chase
04.2016 - 06.2018
  • Acquired and deepened relationships with clients through comprehensive needs based promotion and marketing of products to clients inside and outside the branch footprint
  • Worked with real estate agencies, builders and title companies to expand customer base
  • Performed initial client assessment and analysis including origination, processing, and underwriting residential loans
  • Delivered exceptional customer service throughout the sales process
  • Challenged customers' objections
  • Coached and mentored the culturally diverse branch teams and provided training on products and services
  • Prepared and delivered presentations, representing multiple product lines, as well as identifying and addressing concerns and providing informative feedback and solutions
  • Worked directly with processing, underwriting and managing teams to achieve successful closing of the loans

Private Mortgage Banker

Wells Fargo Private Banking
05.2014 - 04.2016

Loan Officer / Relationship Manager

Bank of America
11.2011 - 04.2014

Loan Officer / Relationship Manager

Bank of America
05.2009 - 11.2011

Education

Fine Arts Diploma -

Associate In Science -

HCC
Houston, TX
01.2009

Skills

  • Sales & Marketing
  • Knowledge of web technology
  • Social platforms
  • Digital advertising platform
  • LinkedIn
  • Facebook
  • Google AdWords
  • Microsoft Office Software
  • Word
  • Excel
  • Outlook
  • Sales
  • Establishing priorities
  • Limited supervision
  • High performing working relationships
  • Communication
  • Revenue Growt
  • Strategic planning
  • Lead Development
  • Marketing Plans
  • Diplomatic
  • Interpersonal
  • Positive attitude
  • Professional demeanour
  • Team player
  • Problem solver
  • Work independently

Key Skills And Competencies - Sales And Marketing

  • Knowledge of the web, technology, social platforms, digital advertising platforms. Able to manage complex online advertising campaigns. LinkedIn, Facebook, Google AdWords.
  • Advanced proficiency in Microsoft Office Software including Word, Excel and Outlook.
  • Market knowledge to influence decisions regarding customer pricing and sales programs.
  • Organising special sales projects, such as new product introductions, sales promotions, advertisements, etc.
  • Able to manage all aspects of sales to prospective and current customers, including providing highly technical and administrative product information.
  • Ability to establish priorities and work under limited supervision.
  • Able to forge high performing working relationships with sales colleagues.
  • Can communicate information and ideas to others in an understandable manner.

Languages

Greek
Native or Bilingual

Timeline

Mortgage Specialist

Prosperity Bank
01.2019 - 05.2024

SR. HOME LENDING ADVISOR

JPMorgan Chase
04.2016 - 06.2018

Private Mortgage Banker

Wells Fargo Private Banking
05.2014 - 04.2016

Loan Officer / Relationship Manager

Bank of America
11.2011 - 04.2014

Loan Officer / Relationship Manager

Bank of America
05.2009 - 11.2011

Fine Arts Diploma -

Associate In Science -

HCC

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Vivian Karayianni