Vivian Karayiannis
Houston,TX
Summary
Experienced professional with comprehensive experience in Business Banking and Residential Lending, credit risk assessment, and financial data analysis, accumulating 16 years of valuable industry knowledge.
Proficient in leveraging financial softwares to streamline data tracking and execute sound business judgments. A proactive multitasker with excellent interpersonal and technical writing skills, dedicated to delivering top-tier risk mitigation strategies under tight deadlines.
Overview
15
15
years of professional experience
Work History
Mortgage Specialist
Prosperity Bank
01.2019 - 05.2024
- Achieved over $150MM in successfully closed loans.
- Successfully closed loans by conducting thorough risk assessments and ensuring compliance with applicable regulations.
- Achieved high customer retention rate through exceptional relationship management and personalized service.
- Maintained high level of customer satisfaction by providing prompt and accurate loan status updates.
- Managed a diverse pipeline of mortgage applications, prioritizing tasks effectively to meet deadlines consistently.
- Monitored application status through mortgage processing systems and daily workflow.
- Coordinated communication between processors, underwriters, and closing staff.
- Worked with underwriters to fix application problems and resolve issues.
- Followed up with clients on missing loan documents, providing guidance on the best way to complete application process.
- Reviewed credit reports, income records, and asset statements for accuracy.
- Evaluated pay stubs, credit history, tax information and bank statements for financial status.
- 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.
- Streamlined internal processes by implementing digital tools, enhancing overall efficiency within the department.
- Provided comprehensive financial guidance to clients.
- Conducted analysis on complex business tax returns and financial data.
- Followed up with clients on missing loan documents, providing guidance on the best way to complete the application process.
- Participated in industry events and conferences to build relationships and gain market intelligence.
- Developed extensive network of referral partners to source new opportunities.
SR. HOME LENDING ADVISOR
JPMorgan Chase
04.2016 - 06.2018
- Developed and strengthened client relationships through targeted promotion and marketing of products within and beyond branch footprint
- Collaborated with real estate agencies, builders, and title companies to broaden customer base
- Delivered exceptional customer service throughout the sales process
- Acquired and deepened relationships with clients through comprehensive needs based promotion and marketing of products to clients inside and outside the branch footprint
- Challenged customers' objection
- Worked with real estate agencies, builders and title companies to expand customer base
- Created and conducted presentations that highlighted product lines and resolved client issues
- Prepared and delivered presentations on multiple product lines, addressing client concerns and providing effective feedback and solutions
Private Mortgage Banker
Wells Fargo Private Banking
05.2014 - 04.2016
Loan Officer / Relationship Manager
Bank of America
11.2011 - 04.2014
Business Relationship Manager
Bank of America
05.2009 - 11.2011
Education
Associate In Science -
HCC
Houston, TXFine Arts Diploma -
GreeceSkills
- Loan processing
- Risk assessment
- Credit evaluation
- Analytical skills with the ability to interpret financial data and identify trends
- Regulatory compliance
- Sales & Marketing
- Microsoft Office Software
- Excel
- Word
- Outlook
- Priority management
- Problem solver
- Communication
- Interpersonal
- Professional demeanor
- Team player
Languages
English
Greek
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
Business Relationship Manager
Bank of America
05.2009 - 11.2011
Associate In Science -
HCC