I am a self-motivated, skilled professional with commitment to financial accountability and transparency. Skilled in risk assessment and providing compliance recommendations to management teams. Solution-oriented with creative problem-solving skills. Versatile and adept in financial analysis, audit support, building client rapport and increase client loyalty. Proficient in preparing financial statements, monitoring controls and completing closings. Highly detail-oriented, proactive and reliable.
Skills
Customer Service
Comparing products
Evaluating programs
Qualifying customers
Organizational skills
Account Management
Banking
Time Management
Cold Calling
Upselling
Friendly, positive attitude
Loan Officer Experience
Loan Origination
Credit Analysis
Fair Housing Regulations
Financial Services
Marketing
NMLS 2071636
MLO
Account reconciliation
Microsoft Office
Computer skills
Planning & organizing
Account evaluation
Payment processing
Financial Assessment
Assessing fraud potential
Money handling
Inbound customer calls
Experience
MLO, 11/2020 - Current Us Bank – Littleton, CO,
Speak with clients to ensure full understanding of residential mortgage options for which they qualify and the benefits and risks of each
Communicate effectively with all who are involved with a transaction, client, realtor, underwriter, title, ect
Maintain client files after discussing with a borrower, evaluate their credit and guide them through the process of application
Order appraisals and collect payoffs from lenders; schedule closings; order appraisals, as well as title insurance
Execute transactions in accordance to state lending laws
Keep an error-free client file and make sure all borrower specific information, financing disclosure statements and closing are well filed and stored according to the standards of the state law
Collaborate with 35 different lenders, learning about their products and services in order to provide all possible options to fir my client's needs.
Analyzed applicants' financial status, credit and property evaluation to determine feasibility of granting loan.
Adhered to federal and state compliance guidelines relative to retail mortgage lending.
Performed daily maintenance of loan applicant database.
Created financial analysis reports of commercial real estate, borrowers' financial statements, lease reviews and market research.
Accountant/Customer Service Representative, 01/2018 - 03/2020 Regional Medical Center Of Memphis – Memphis, TN,
Go to costumer service help for de-escalation and problem solving
Organizing, notating, updating, and adjusting accounts to ensure accurate records
Daily cash opening and closing responsibility ensuring cash and checks balanced
Monitored accounts payable and receivable statuses and delegated related tasks.
If issue, identified the problem with strategy and adjust as needed
Performed process analysis and communicated recommendations to management
Called delinquent customers and made arrangements for payment
Responded to text and emails from customer to ensure outstanding communication and relationships with customers
Processed payment via phone and in office
Logged repos and sent out notice of sales via mail
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