Focused Financial Management - familiar with loan analysis and customer service. Possessing top strengths in time management and business profitability strategy. Desiring to advance professionally with growing organization. Dedicated business professional with history of meeting company goals utilizing consistent and organized practices. Skilled in working under pressure and adapting to new situations and challenges to best enhance the organizational brand. Develops professional and positive client relations
Skills
Team Leadership
Policy Development and Enforcement
Quality Assurance
Finance and Accounting Oversight
Time Management
Exceptional interpersonal skills
Legal compliance
Created Reports
Financial analysis aptitude
Analytical skills
Credit Bureau
Mortgage Servicing experience
Work History
06/2016 to Current
Loan ProcessorIconma, L.L.C. – East Rochester, NY,
Communicated with applicants to obtain loan application information and explain loan process.
Reviewed loan files for completeness, identified missing documentation and generated condition lists for applicants.
loan acquisition and implementation
Knowledgeable in the use of personal computers and able to use multiple PC software systems (MS Word, Excel, PowerPoint, Visio, etc. and project management software)
Maintained strict confidentiality of bank records and client information.
Obtained and compiled copies of applicant credit histories, corporate financial statements and other financial information.
Observed all regulatory, compliance and security policies and procedures to keep data as safe as possible from breaches.
Identified problem areas within loan portfolio, analyzed risks and suggested appropriate solutions.
Complied with regulatory requirements, including Bank Secrecy Act, Anti Money Laundering, OFAC, USA Patriot Act, Privacy Act and Community Reinvestment Act.
Successfully closed average of 30 loans per month.
Closely monitored performance of current portfolio of specialty loans and made changes to achieve performance targets.
Reviewed and edited loan agreements to promote efficiency and accuracy.
loan processing services technology, including systems, applications, practices, and emerging technologies. Ability to quickly become proficient with new technologies
Maintained compliance with privacy and security requirements, as well as federal statutes covering VA, USDA, FHA, Conventional loans.
Handled any conditions sent from underwriting departments.
01/2004 to 03/2020
Director of OperationsRadial Commerce, Inc – Brownsburg, IN,
Managed budget implementations, employee reviews, training, schedules and contract negotiations.
Reduced costs, managed delivery schedules and performed risk analysis to improve overall profitability.
Organized budgets, oversaw P&Ls and achieved margin targets consistently to stay on track with growth plans.
Delivered business strategy and developed systems and procedures to improve operational quality and team efficiency
Reduced corporate risk by managing shrink processes and controlling inventory levels.
Social Media Marketing
Developed and maintained relationships with customers and suppliers through account development.
thorough internal working knowledge of the enterprise
Developed value-added solutions and approaches by leveraging trends in customer marketplaces and industries.
using client data, such as system integration readiness and acceptance testing to ensure client needs will be met.
Maximized efficiency by coaching and mentoring personnel on management principles, industry practices, company procedures and technology systems.
motivate professional level staff
Designed modern employee recognition program which boosted productivity and improved morale.
Implemented operational strategies and effectively built customer and employee loyalty.
Manages teams who deliver services
Directed successful operational turnaround, eliminating over $1.5 million in overhead.
Meets sales goals and objectives.
Project completion within budget and in accordance with contract requirements.
knowledge of financial and/or payment solutions
Drove year-over-year business growth while leading operations, strategic vision and long-range planning
Negotiates, structures, and closed deals that meet client expectations
Established and administered annual budget with controls to prevent overages, minimize burn rate and support sustainability objectives
Enhanced operational efficiency and productivity by managing budgets, accounts and costs
Drove year-over-year business growth while leading operations, strategic vision and long-range planning.
Assists in the development of sales plans and strategies
10/2015 to 02/2016
Mortgage Loan Originator-TraineeFirst National Bank – Ames, IA,
Interviewed applicants to assess loan requirements before suggesting offers.
Prepared documents for customers, submitting and overseeing through each step of closing process.
Worked with underwriters to fix application problems and resolve issues.
Explained different types of loans pertaining to client situations.
Collected information from banks, institutions and employers to assess applicant eligibility.
Supported loan processing by compiling applicant documentation such as credit reports, employment verifications and financial history paperwork.
Assisted with timely loan closing and funding activities with efficient management of task checklists.
Assembled important paperwork and disclosures for borrower.
Developed prospects for new loans by conducting 500 cold calls weekly
Education
Expected in 2016
Associate of Science: Business And Science John Tyler Community College - Chester, VA GPA:
Received Virginia Commonwealth Scholarship
Relevant Coursework Completed: Business Analysis
Expected in 2014
Associate of Science: Science Thomas Nelson Community College - Williamsburg, VA GPA:
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