Loan Servicing Specialist

• Mar 2020 - Present

Establish, foster, and maintain strong and positive working relationships with team members, Lending Operations Staff and department managers, and other business partners. Provide a high level of customer service when responding to internal departments to resolve issues. Interface directly with customers to gather ongoing financial statements and outstanding documentation needed to keep the SBA loan file compliant on an annual basis. Primary point of contact for 504 SBA loan borrowers loan servicing needs in addition to managing incoming emails from general 504 servicing email inbox and phone calls from internal business partners and borrowers. Set up EFT/ACH for new and existing borrowers using the ETRAN platform. Identify problems or errors in documentation and resolve with the appropriate party. Request & follow up with property hazard insurance, business personal property, flood insurance, life insurance assignments, professional liability and workman’s compensation certificates using Ventures Ticklers system. Examine and verify information on all insurance policy renewals received per SBA 504 collateral guidelines to maintain collateral position to ensure a compliant file. Make adjustments and request changes with third party vendors on behalf of the SBA. Complete prepaid loan process by releasing collateral that was being used to secure the Commercial Real Estate using online Simplifile program. Prepare UCC continuations / terminations for fixture, furniture and machinery filings through state sponsored web-sites used to secure other collateral used for the SBA 504 loan. Work within Vendor Tracking system to maintain and ensure UCC are set up, filed, continued and terminated in a timely fashion.

Loan Officer Assistant

• Aug 2017 - Mar 2020

Examine and verify information on 1003 mortgage loan application and closing documents. Prepare and customize required documents per investor guidelines prior to loan discloser. Request & follow up has needed with title insurance, credit reports, credit supplements, appraisals, final inspections, EHB documents, flood certificates, VOE's, payoffs, VA & FHA case numbers, CAIVERS, Tax Transcripts, Final loan policies. Disclose and re-disclose LE for fourteen plus loan originators managing pipelines for more than 350+ loans per month. Delivered prompt, accurate and excellent customer service to borrowers and third-party companies via email & phone. Review & update loan application including adding fees and removing fees in Encompass to update FHA, WHEDA, VA, USDA and Conventional loan files before and after initial loan discloser. • Field incoming phone calls from borrowers, loan officers, title companies, insurance agents and others involved in the origination of mortgage loans. Decline, withdraw and send out NOI for all loan applications.

Universal Banker III

• Aug 2015 - Aug 2017

•Proactively advises consumer and business clients in their selection of various accounts, loans and other products and financial services utilizing the Johnson Bank Relationship Review and other tools. •Originate and close consumer loan products including credit cards. •Assists customers with account maintenance, documentation, disputes and other required paperwork and documentation utilizing technology and resources available. •Accurately process deposits and withdrawals for consumer and business clients. •Issues official checks, traveler’s checks, gift cards, and other instruments and process tax payments, change orders, foreign currency, loan payments, and safe deposit box payments. •Assists in opening and closing the branch and vault daily; assists in balancing vault currency and coin; balances ATM, performs safe deposit duties, process night deposit bags, etc. •Maintains knowledge of security and safety policies and strictly adheres to established procedures, follows established internal controls, including dual control.

Financial Service Rep.

• Jan 2015 - Dec 2015

•Provide exceptional service to members from the loan application to approval process •Get to know members’ financial situations in order to suggest the best product or service that will meet their needs •Make calls to potential customers using lead lists generated internally to increase clientele & loan applications •Prepare, analyze and process all required forms and relevant documentation •Provide exceptional service to members from the loan application to approval process •Get to know members’ financial situations in order to suggest the best product or service that will meet their needs •Make calls to potential customers using lead lists generated internally to increase clientele & loan applications •Prepare, analyze and process all required forms and relevant documentation

Relationship Banker

• Dec 2013 - Jan 2015

I am responsible for selling Associated Bank products to existing customers and prospects. In addition to identifying, expanding and deepening customer relationships through profiling and then recommending appropriate deposit and lending products and services. I act as a referral source and am responsible for expanding and deepening customer relationships by identifying and matching customer needs throughout Trust, Business Banking, Private Banking and Mortgage Banking. I always strive to deliver a completely satisfying customer experience. • -Identify needs and refer customers to business partners within and across lines of business who can best meet those needs. Sell bank products to new and existing customers, using the established company sales process while maintaining sales and procedural proficiency in all services offered at the bank. • -Opens deposit and loan accounts, verifies and processes changes to existing accounts, answers customer questions and resolves related account problems. My job requires an in depth understanding of sales, products, benefits, account ownership, forms, and procedures. I ensure that new accounts are properly processed and cross-sell opportunities are identified and pursued. • -Ensures positive public perception by extending a warm welcome to existing or potential customers, and identifying their needs, presenting solutions through product benefits, overcoming resistance, completing the sale, and nurturing relationships, personally committing to consistently exceed customer expectations, every time, everywhere. • -Maintain sufficient proficiency and accuracy in Teller operations to perform all teller related transactions including inquiries and new account posting while exceeding customer expectations. • -Assists the Bank Manager as needed and acts as a mentor and trainer for other Personal Bankers within the office and or region. I perform some sales coaching activities and helps prepare reports and sales aids.

Senior Personal Banking Officer

• Dec 2004 - Dec 2013

I Develop, maintain and support the sale of banking products and services by generating and following up on leads. Works with prospective and existing customers to assess potential overall banking needs. I Identify and sell or refer appropriate banking products based on strategic analysis of customer financial needs after conducting an in-depth customer needs assessment. Deliver clarity to customers by providing simplicity, guidance, and know-how Generate new customer relationships by consistently applying the Harris Bank Sales concept to all new/ prospective customers - 100% of the time. Cultivate and strengthen current customer relationships by staying abreast of the customer's needs; maintain a customer needs analysis and assesses the overall financial needs of the customer; follow up when appropriate to present products and services that will meet the customer's overall financial goals

Mortgage Loan Officer

• Nov 2002 - Dec 2004

As the Mortgage Loan Officer I assisted the borrower in determining the proper loan program, completing the loan application and gathering the necessary paperwork, including pay stubs, tax returns and bank statements, to begin the loan process. I ran credit reports and analyzed them. I did the data entry into different underwriting programs and sent out the proper disclosures to the client. During the mortgage loan process, as the mortgage originator I often communicated with real estate agents, appraisers, title companies, lawyers, insurance companies, loan processor and underwriters. I was responsible for building relationship's with COI's to bring in additional business. I cross sold other banking products and services.

Consumer Loan Officer

• 1999 - 2004