Office setting with an outstanding background in customer service, sales, product knowledge, accounting, and banking. Addresses all questions and concerns with customer satisfaction in mind.
Mortgage Assistant, 01/2015
to Current County National Bank- One South Howell – St Hillsdale,
Receive and process mortgage applications for refinances, purchases, and construction loans Review applicants credit history Ordering and reviewing appraisals Rate locks/contracts with secondary markets Calculating LTV's and fee's from secondary market Preparing disclosures and re-disclosures Working with the customer to decide which product is best for their needs Work closely with Mortgage Loan Officer Calculate income Determine debt to income ratio Work closely with customers to help close their loan, as well as providing updated information, and scheduling closing dates Determine whether an applicant is approved or denied and staying within AUS guidelines Working through title issues Clearing conditions to get loan to closing Stay compliant within our service guidelines as well as secondary market guidelines.
Remain current and up-to-date on changes within compliance and regulations.
Mortgage Processor/Closer, 01/2012
to 01/2015 County National Bank- One South Howell – St Hillsdale,
Manage all loan files from application to close Order title work, flood determinations, survey reports, deeds, title searches and verifications of income and employment Review title work and adhere to any scheduled requirements for closing Work with the title company's closer to prepare figures and come to a final agreement Prepare closing documents for customers Work closely with title companies, appraisers, loan originators and underwriters Ordering payoffs Pre-Underwriting Preparing wire transfers to title companies Clearing closing conditions Disbursing funds for payoffs Answer customer service calls for the mortgage department Manage the loan pipeline and schedule closings Remain current with all new regulations and compliance changes and implement them into our daily work routine Successfully completed MortgageU training for Loan Origination Successfully completed class for Solutions Leadership by The Connors Group.
New Account Representative/Personal Banker, 11/2004
to 01/2012 County National Bank- One South Howell – St Hillsdale,
Open, close and maintain all types of accounts for personal and business customers Cross-sell all banking products.
Balance checkbooks Organize, stock and maintain the teller window and new account area Answer telephone inquiries on all banking products including checking, savings, loans and lines of credit Execute all customer transactions including deposits, withdrawals, money orders and checks Retrieve and balance daily teller balancing and currency log reports Assist the branch manager with scheduling and daily duties Keep up-to-date on all compliance requirements and changes, and made sure that the branch was within the compliance guidelines Scan and balance teller proof work Train employees and make sure they are following procedures and guidelines Maintain friendly and professional customer interaction.
May 2012 Jackson Community College - Hillsdale,