Polyglot, Amiable Loan Officer experienced in developing constructive and cooperative working relationships with others. Solid team player capable of diligently following through on team expectations.
Organized ,capable of effectively identifying and resolving complex financial issues. Successful in fast-paced and ever-changing business environments.
Accomplished Loan Officer able to consistently achieve sales goals while offering the utmost care in client relations. Excited and motivated to help customers build successful financial futures.
Self-motivated professional offering strong communication and quick thinking skills. Works effectively on teams, as well as independently. Consistently positive, committed to reaching business goals.
Skills
Fluency in Spanish, Italian, English some Portuguese,
Interviewing
Application preparation
Information verification
Exceptional customer service
Team player
International finance knowledge
Persuasive negotiator
Excellent communication skills
Decision-making ability
MS Office proficient
Experience
11/2021 to Current
Residential Property ManagerFirst Mid-Illinois Bancshares, Inc. – Galesburg, IL,
Boosted customer base, acquiring new customers and identifying needs to deliver relevant products.
Produced sales by executing complete sales cycle process from prospecting through contract negotiations and close.
Analyzed applicants' financial status, credit and property evaluation to determine feasibility of granting loans.
Planned and coordinated risk mitigation strategies to protect company assets.
Educated customers on variety of loan products and available credit options to promote valuable decision-making.
Networked within communities to identify and capitalize on business opportunities.
Built strong rapport with new and existing clients to better serve financial needs and promote branch loyalty.
Reviewed completed applications and assessed household information against file history and program regulations.
Maintained thorough, accurate and compliant records for internal and regulatory audits.
08/2018 to 11/2018
Insurance AgentSneller Snow Systems – Grand Rapids, MI,
Drove insurance sales through partnerships with financial advisors, and leads to develop new clientele.
Engaged customers and provided high level of service by carefully explaining details about documents.
Cultivated professional relations to establish long-term profitable partnerships.
Analyzed customer needs and provided best options, upselling products and services.
Skillfully and patiently explained coverage options to potential policyholders, answering any questions or concerns.
Provided quality control and maximized revenue by eliminating downtime, implementing proven selling strategies and promoting marketing messages.
08/2010 to 05/2017
Area ManagerNew Penn Financial – Sandusky, OH,
Trained and mentored new employees to maximize team performance and achieve daily performance objectives.
Oversaw inventory purchases and sales contracts to keep records current and compliant.
Combined discipline plan with effective measures and lesson plans to increase concentration, participation and progress student accountability.
Researched latest trends and topics in English to add insight and excitement to class studies.
Employed wide variety of fiction and non-fiction textual materials to encourage students to read independently.
Taught English classes to students of various levels.
Evaluated student performance through tests, exams and projects.
Maintained and updated pedagogy notebooks and manuals.
Evaluated students' comprehension of lessons through relevant test questions.
Utilized technology resources to develop immersive, informative lessons.
Attended and participated in staff meetings to learn new teaching strategies and brainstorm ideas to improve classroom presentations.
Assigned reading and homework with reasonable deadlines and detailed instructions.
Created lesson plans to teach English language to non-native speakers.
07/2000 to 05/2010
Senior Loan OfficerMilenia Financial – City, STATE,
Monitored performance of current portfolio of specialty loans to determine if changes should be implemented.
Executed loan origination process, including ordering credit reports, appraisals and preliminary title reports.
Educated customers on variety of loan products and available credit options to promote valuable decision-making.
Determined appropriate rate locks, issuance of disclosures, overage and underage waivers and fee waivers.
Performed daily maintenance of loan applicant database.
Maintained confidentiality of bank records and client information.
Delivered prompt, accurate and excellent customer service.
Adhered to regulatory and company security and audit procedures.
Interviewed customers to determine reasons for delinquency, source of income and next pay date to build solutions for financial issues.
Trained new employees and help them develpo their pipeline of business.
Work with different types of loan conventional,FHA USDA, First time homebuyers programs and grants VA loans. Use of Calyx point software and Encompass.
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