Abigail Clark
Swansboro
Summary
Mortgage Loan Specialist with extensive experience in loan origination and relationship management. Proven track record in analyzing credit reports and providing tailored loan product recommendations, resulting in enhanced client satisfaction and overall financial health. Licensed mortgage loan originator dedicated to achieving client goals through effective communication and strategic solutions.
Overview
10
10
years of professional experience
Work History
Mortgage Loan Specialist
North Carolina State Employees Credit Union
06.2018 - Current
- Fielded customer complaints and provided solutions.
- Worked with underwriters to fix application problems and resolve issues.
- Reviewed loan files and updated to match current standards.
- Explained different types of loans pertaining to client situations.
- Assisted clients in selecting correct loan product and terms to meet needs and financial goals.
- Followed up with clients on missing loan documents, providing guidance on best way to complete application process.
- Analyzed loan applications and credit reports to determine loan eligibility and risk level.
- Participated in industry events and conferences to build relationships and gain market intelligence.
- Maintained high level of customer satisfaction by providing prompt and accurate loan status updates.
- Communicated with clients, processing teams and other third parties to achieve prompt loan closings.
- Checked loan documents for accuracy prior to closing.
- Researched and updated industry knowledge on changing legislation and regulations.
- Assisted customers with completing loan applications and other paperwork.
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
- Assisted clients with improving financial health by counseling on issues such as excessive spending and borrowing.
- Proactively identified solutions for customers experiencing credit issues.
- Developed and maintained relationships with customers, lenders and other third parties.
- Compiled closing packages for drafting and presentation accuracy.
- Monitored pipelines to track and log status of loans.
- Approved loan applications based on customer creditworthiness and provided detailed financial advice.
- Assessed loan portfolios for compliance with underwriting policies.
- Processed loan applications and monitored progress from start to finish.
- Analyzed potential risks and evaluated loan products to identify suitable options for customers.
- Explained very technical financial information to applicants in easy to understand language.
- Evaluated loan requests and documents to verify accuracy and completeness.
Sr. Financial Services Officer
North Carolina State Employees Credit Union
06.2015 - 06.2018
- Worked with clients to develop financial planning strategies and solutions through evaluation of finances.
- Maintained updated records of all financial transactions to support traceability.
- Established internal audit procedures to validate and improve accuracy of financial reporting.
- Designed and maintained financial models to identify and measure risks.
- Prepared internal and regulatory financial reports, balance sheets and income statements.
- Developed strategic plans for day-to-day financial operations.
- Implemented and regularly reviewed financial controls to generate accurate and reliable financial data.
- Utilized financial software to prepare consolidated financial statements.
- Performed banking, business administration and financial tasks to guarantee five-star service for clients.
- Maintained strict confidentiality of bank records and client information.
- Advised clients on mortgage, education and personal loans.
- Assisted customers in understanding loan terms and conditions to make informed decisions.
- Negotiated loan terms to provide favorable outcomes for both customers and lenders.
- Examined customer loan applications for loan approvals and denials.
- Collaborated with other departments to promptly process loan applications.
- Developed strong relationships with customers through high levels of customer service.
- Explained very technical financial information to applicants in easy to understand language.
- Supervised loan personnel and motivated to maintain customer service and performance standards.
- Assisted clients with improving financial health by counseling on issues such as excessive spending and borrowing.
- Processed loan applications and monitored progress from start to finish.
- Assessed loan portfolios for compliance with underwriting policies.
- Evaluated loan requests and documents to verify accuracy and completeness.
- Analyzed potential risks and evaluated loan products to identify suitable options for customers.
- Developed and maintained relationships with customers, lenders and other third parties.
- Assisted customers with setting up or closing accounts, completing loan applications, and signing up for new services.
- Handled foreign currency and performed currency transaction reports.
- Answered phone and email inquiries on banking products.
- Coached and trained new Financial Service Officers
- Performed general teller duties for drive-thru line.
- Completed highly accurate, high-volume money counts via both manual and machine-driven approaches.
- Received car loan, home loan, and other payments and posted to accounts.
- Replenished ATM funds in empty canisters prior to validation process.
- Answered inquiries regarding checking and savings accounts and other related products.
- Mentored newly hired team members on appropriate responses to patron questions.
- Mentored and trained new tellers on bank procedures and customer service standards.
- Managed daily bank operations by processing customer transactions and providing exceptional customer service.
- Recognized and prevented fraudulent activities and suspicious transactions.
- Enforced compliance with bank regulations and policies to reduce financial risks.
Education
Associate of Arts -
Wake Technical Community College
Raleigh, NC05-2017
Skills
- Appraisal review
- Mortgage underwriting
- Loan origination
- Loan servicing
- Loan processing
- Closing coordination
- Relationship management
- Document review
- Real estate
- Credit analysis
- Loan management
- Loan product recommendations
- Goal oriented
- Licensed mortgage loan originator
- Payment collection
- Financial analysis
- Application tracking
- Credit checks
- Underwriting
- Loan product promotion
- Document analysis
- Production leadership
- Pre-approval process
- Regulatory compliance
- Scheduling oversight
- Credit evaluation
- Refinancing options
Timeline
Mortgage Loan Specialist
North Carolina State Employees Credit Union
06.2018 - Current
Sr. Financial Services Officer
North Carolina State Employees Credit Union
06.2015 - 06.2018
Associate of Arts -
Wake Technical Community College
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