Experience

Kennebunk Savings

• United States
• Banking
• 100 - 200 Employee

• VP, Residential Lending Officer, Team Leader

  • Apr 2022 - Present

  To achieve Kennebunk Savings goal of maintaining excellent customer experience in serving customers for their mortgage needs. Set and reach origination and referral goals. Develop and execute a business plan to help support goals set by the bank and forecast market trends. Network and participate in various broker related events. Work collaboratively with the RLO team and processors for the best solutions to better serve our customer base.

• VP,Residential Lending Officer

  • Jan 2020 - Apr 2022

  Kennebunk, Maine To achieve Kennebunk Savings goal of maintaining excellent customer experience in serving customers for their mortgage needs. Set and reach origination and referral goals. Develop and execute a business plan to help support goals set by the bank and forecast market trends. Network and participate in various broker related events. Work collaboratively with the RLO team and processors for the best solutions to better serve our customer base.

• Consumer Underwriter II

  • Dec 2018 - Jan 2020

  Kennebunk, Maine Process and underwrite consumer loans, including personal, auto, home equity loans and home equity lines of credit in accordance with Kennebunk Savings policies and procedures. Collaborate with branch personnel, loan officers and fellow underwriters to assure applications are complete and the necessary supporting documentation is received. To determine the feasibility of granting credit to the banks customers. Help maintain the banks goal of creating the best customer experience for every… Show more Process and underwrite consumer loans, including personal, auto, home equity loans and home equity lines of credit in accordance with Kennebunk Savings policies and procedures. Collaborate with branch personnel, loan officers and fellow underwriters to assure applications are complete and the necessary supporting documentation is received. To determine the feasibility of granting credit to the banks customers. Help maintain the banks goal of creating the best customer experience for every customer.

• Assistant Branch Manager II

  • Oct 2017 - Dec 2018

  Kennebunk, ME Leading staff through training, motivating and providing performance feedback. Strive in creating and promoting a positive environment, influencing others to achieve common goals and fostering effective relationships. Responsible for direct oversight and management of branch operational, audit and compliance policies and procedures. Displaying proficiency in providing Kennebunk Savings Bank's customers with deposit accounts, consumers and mortgage loan products.



Empeople Credit Union

• United States
• Financial Services
• 1 - 100 Employee

• Assistant Branch Manager

  • May 2017 - Sep 2017

  Westbrook, ME Responsible to guide and lead the branch team in delivering extraordinary member experience with particular focus in supervising, leading, motivating, coaching and training Member Specialists as well to assist in the leadership of teller staff when need be. Underwrite and approve loan applications within loan limits making sure to align decisions with Infinity Federal Credit Unions's Lending Philosophy.

• Lending Supervisor/QC Administrator

  • Sep 2016 - May 2017

  Westbrook, ME Accountable in leading and guiding loan processing and loan servicing staff to ensure peak performance in their respective roles. Consistently seeks opportunities to coach staff on seeking mortgage loans and cross selling other products and services offered by Infinity Federal Credit Union to provide full financial solutions for Infinity's members. Reviews consumer and mortgage loan files post closing to assure files comply with state and federal laws and regulations. Provides solutions for… Show more Accountable in leading and guiding loan processing and loan servicing staff to ensure peak performance in their respective roles. Consistently seeks opportunities to coach staff on seeking mortgage loans and cross selling other products and services offered by Infinity Federal Credit Union to provide full financial solutions for Infinity's members. Reviews consumer and mortgage loan files post closing to assure files comply with state and federal laws and regulations. Provides solutions for document errors and allocates corrections to the appropriate personnel.

• Loan Review Specialist

  • Jan 2016 - Sep 2016

  Westbrook, ME • Reviews all loans post- closing, to ensure loans and agreements comply with state and federal laws and regulations (1st & 2nd Mortgages, Consumer Loans, Adverse Actions and HMDA). • Provides solutions for correction of documentation errors, and allocate necessary changes to appropriate lending personnel for corrective action. All required change notifications will be accompanied by corresponding guidelines or regulations. • Research complex lending… Show more • Reviews all loans post- closing, to ensure loans and agreements comply with state and federal laws and regulations (1st & 2nd Mortgages, Consumer Loans, Adverse Actions and HMDA). • Provides solutions for correction of documentation errors, and allocate necessary changes to appropriate lending personnel for corrective action. All required change notifications will be accompanied by corresponding guidelines or regulations. • Research complex lending rules and regulations for clarification. • Recognizes opportunities for training and directs information to the Lending Operations Supervisor via monthly report. • Maintains logs of audited files listing loan information and lender, as well as audit findings. • Ensures accurate and timely review of the post- closing files. All files must be audited within 10 days of closing. • Provides assistance when necessary with the resolution of member complaints and complex situations involving errors on accounts, or any loan servicing department responsibilities requiring collaboration.

• Sr. Mortgage Processor

  • Oct 2014 - Jan 2016

  Westbrook, Maine • Review and send initial disclosures packet to members, making sure that disclosures are in compliance. • Gathered necessary materials to supplement application information and ordered services such as Title Search, Appraisal, Flood Certification, etc. for each file. • Assembled mortgage file for loan to be closed and booked.



Maine Family FCU

• United States
• Banking
• 1 - 100 Employee

• Mortgage Originator/Underwriter

  • Mar 2013 - Oct 2014

  Lewiston, ME • Manages the origination process for residential mortgages, construction and fixed home equity loans, and variable rate home equity lines of credit. • Reviews contracts, appraisals, line-item budgets, tax-returns, assets, employment, and credit histories to confirm borrowers’ eligibility and facilitate credit transactions. • Initiates escrow accounts for members. Underwrites loan applications and verifies credit eligibility.

• Mortgage Processor

  • Jun 2012 - Mar 2013

  Lewiston, ME • Initiated mortgage and home equity line of credit applications by populating Encompass or ShareTech LOS(s), with client information. • Gathered necessary materials to supplement application information and ordered services such as Title Search, Appraisal, Flood Certification, etc. for each file. • Assembled closing documentation packages, dispersed loans, and finalized members files for record-keeping purposes. • Was promoted to taking mortgage loan… Show more • Initiated mortgage and home equity line of credit applications by populating Encompass or ShareTech LOS(s), with client information. • Gathered necessary materials to supplement application information and ordered services such as Title Search, Appraisal, Flood Certification, etc. for each file. • Assembled closing documentation packages, dispersed loans, and finalized members files for record-keeping purposes. • Was promoted to taking mortgage loan applications 4 months upon receiving the position.

• Assistant Head Teller

  • Sep 2008 - Jun 2012

  Lewiston, ME • Solicited business accounts and developing strategic alliances with clientele. • Developed tactics to increase assets and profitability within a six franchise region. • Devised and implemented innovative marketing and promotional sales events for commercial projects, with the goal of increased financial growth. • Counseled high-profile corporate and individual clients on investment opportunities, risk analysis, and monetary returns. •… Show more • Solicited business accounts and developing strategic alliances with clientele. • Developed tactics to increase assets and profitability within a six franchise region. • Devised and implemented innovative marketing and promotional sales events for commercial projects, with the goal of increased financial growth. • Counseled high-profile corporate and individual clients on investment opportunities, risk analysis, and monetary returns. • Cross-sold banking services, and represented the bank at community events.