KRISTIN PHILLIPS
Hillsborough
Summary
Talented mortgage professional with proven track record of providing financial services to clients while managing complex loan transactions. Possesses deep understanding of credit analysis, loan origination and closing. Offers great time management and task prioritization skills. Over 20 years of mortgage experience in multiple areas of lending, extensive real estate knowledge, and success in client education.
Overview
15
15
years of professional experience
Work History
Mortgage Loan Specialist
State Employees' Credit Union
01.2023 - Current
- Analyzed existing portfolio accounts regularly, spotlighting risk factors to inform strategic decision-making.
- Crafted comprehensive loan documentation, facilitating expedited underwriter reviews and ensuring accuracy in submissions.
- Analyzed applicants' credit histories to determine their financing eligibility, enhancing decision-making accuracy.
- Prioritized accuracy by processing mortgage applications and validating compliance with state and federal regulations.
- Facilitated smooth transitions between departments while troubleshooting any discrepancies or issues that arose during processing.
- Evaluated loan types to uncover risks, delivering actionable strategies for risk mitigation and client protection.
- Designed and executed a comprehensive onboarding program, ensuring a smooth start for new hires.
- Performed comprehensive risk assessments on loan applications, influencing successful funding outcomes for clients.
Mortgage Banker
First Citizens Bank
01.2022 - 01.2023
- Cultivated strategic alliances to enhance sales development initiatives, driving collaborative success across teams.
- Explained different types of loans pertaining to client situations.
- Adhered to all federal and state regulations in mortgage banking, fostering legal integrity and operational trust.
- Worked with underwriters to fix application problems and resolve issues.
Mortgage Retail Sales Coordinator
Wells Fargo Home Mortgage
01.2010 - 01.2022
- Forged collaborations with industry partners, boosting consumer information exchange and marketing data integration.
- Utilized CRM tools to document comprehensive contact logs, enhancing insights for strategic marketing initiatives.
- Accelerated loan sales by supporting lead bankers, resulting in 360+ loans closed over the course of 2021.
- Increased sales by 10% using Book of Business and Steady Stream lead referrals.
Education
Bachelor of Science - Business Administration
North Carolina State University
Raleigh, NC01.2002
Masters - Organization Training and Development
North Carolina State University
Raleigh, NC01.2008
Skills
- Problem-solving
- Customer Service
- Accountable
- Adaptable
- Detail-oriented
- Compassionate
- Critical Thinking
- Interpersonal Skills
Timeline
Mortgage Loan Specialist
State Employees' Credit Union
01.2023 - Current
Mortgage Banker
First Citizens Bank
01.2022 - 01.2023
Mortgage Retail Sales Coordinator
Wells Fargo Home Mortgage
01.2010 - 01.2022
Masters - Organization Training and Development
North Carolina State University
Bachelor of Science - Business Administration
North Carolina State University
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