Organized Mortgage Loan Officer with 3 years of experience in lending and banking. Extensive real estate knowledge and success in client education. Adept at mathematical accuracy and following financial regulations.
Skills
Wealth Planning
Complaint Handling
Property Evaluation
Loan File Review
Automated Underwriting System (AUS)
Application Review
Problem Solving
Credit History Review
Referral Network Development
Terms Definition
Credit File Updating
Income Evaluation
Loan Feasibility Assessment
Attention to Detail
Product Education
Financial History Analysis
Payment Schedule Computation
Loan Processing Coordination
Loan File Maintenance
Customer Relations
Creditworthiness Determination
Process Improvement
Microsoft Office
Time Management
Active Listening and Learning
File Organization
Analytical and Critical Thinking
NMLS Registration
Data Entry
Verbal and Written Communication
Regulatory Disclosure Preparation
Bank Product Marketing
Basic Mathematics
Complex Problem Solving
Performance Assessment and Improvement
Documentation and Recordkeeping
Remote Video Conferencing
Client Interview
Multitasking and Prioritization
Sound Judgment
Database Management
Customer Service
Financial Service Solutions
Economics Understanding
Decision Making
Oral and Written Comprehension
Networking and Partnership Development
Loan Portfolio Monitoring
Work History
Mortgage Loan Officer, 08/2020 - Current Keybank National Association – Morton, WA,
Reviewed loan files and updated to match current standards.
Worked with underwriters to fix application problems and resolve issues.
Explained different types of loans pertaining to client situations.
Fielded customer complaints and provided solutions.
Assisted senior-level credit officers with complex loan applications.
Originated, reviewed, processed, closed and administered customer loan proposals.
Developed and maintained relationships with local real estate agents.
Complied with regulatory requirements, including Bank Secrecy Act, Anti Money Laundering, OFAC, USA Patriot Act, Privacy Act and Community Reinvestment Act.
Reviewed and edited loan agreements to promote efficiency and accuracy.
Branch Relationship Banker II, 01/2017 - 12/2018 Carlie C's Iga – Fayetteville, NC,
Built and deepened productive relationships with prospective and competitive customers to drive sustained growth.
Worked with clients to develop financial planning strategies and solutions through evaluation of finances.
Developed and maintained courteous and effective working relationships.
Delivered exceptional level of service to each customer by listening to concerns and answering questions.
Demonstrated respect, friendliness and willingness to help wherever needed.
Identified issues, analyzed information and provided solutions to problems.
Resolved problems, improved operations and provided exceptional service.
Quickly learned new skills and applied them to daily tasks, improving efficiency and productivity.
Worked to maintain outstanding attendance record, consistently arriving to work ready to start immediately.
Educated and worked with clients on ROI terms to find accurate solutions.
Store Manager, 09/2009 - 12/2016 Shoe Department – City, STATE,
Set, enforced and optimized internal policies to maintain efficiency and responsiveness to demands.
Promoted team collaboration, performance and efficiency by fostering healthy environments focused on mutual success.
Applied performance data to evaluate and improve operations, target current business conditions and forecast needs.
Set effective store schedules based on forecasted customer levels, individual employee knowledge and service requirements.
Managed inventory control, cash control and store opening and closing procedures.
Reported to district manager regarding all store and staff issues, financial goals and sales.
Engaged and interacted with customers to create positive shopping experiences and drive revenue growth.
Managed, hired and developed top talent to strengthen workflow and productivity.
Developed new store location from ground up by hiring and training efficient team.
Generated repeat business by delivering exceptional customer service and positive engagement.
Executed proof of concept strategic initiatives for future goals, including digital signage and guided selling plans.
Delivered positive results by controlling monthly operations budget and limiting financial discrepancies.
Rotated merchandise and displays to feature new products and promotions.
Supervised guests at front counter, answering questions regarding products.
Oversaw receiving and display of incoming products, meeting planned promotions and seasonal rotation for sales events.
Responded to customer concerns with friendly and knowledgeable service and remedied issues promptly and effectively.
Maximized sales and minimized shrinkage through excellent customer service and adherence to standard practices.
Scheduled and led weekly store meetings for all employees to discuss sales promotions and new inventory while providing platform for all to voice concerns.
Rotated stock to achieve optimum appeal and minimize shrinkage.
Completed all point of sale opening and closing procedures, including counting contents of cash register.
Managed all aspects of store operations, including organization, maintenance and purchasing functions.
Oversaw employee scheduling to guide operations and secure adequate staffing coverage for busy periods.
Minimized on-site cash with frequent deposits and high accuracy in predicting operations.
Protected store from loss or theft by setting and enforcing clear security policies.
Reviewed performance data to monitor and measure productivity, goal progress and activity levels.
Partnered with store director to interview, hire, train and develop department managers and team members to build and sustain high in-store performance.
Trained and developed new associates on POS system and key sales tactics, which improved process flows.
Trained new hires for diverse jobs and kept employees up-to-date through frequent meetings.
Created work schedules according to sales volume and number of employees.
Education
No Degree: Business Administration And Management, Expected in - Kent State University - Warren, OH, GPA:
Certificate: Ministry, Expected in 12/2020 - Rust City College - Niles, OH, GPA:
High School Diploma: , Expected in 05/2009 - Champion High School - Warren, OH GPA:
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