Experience

Northfield Savings Bank VT

• Financial Services
• 1 - 100 Employee

• Community Banker

  • Apr 2017 - Present



Vermont Student Assistance Corporation

• 10 East Allen Street, Winooski, VT

• Senior Counelor Financial Aid Services

  • Jan 2001 - Aug 2016

  Assist customers, primarily over the telephone through inbound and outbound calls, with questions and or delinquencies related to their accounts. Assist customers in person in Resource Center. Adept at navigating and utilizing VSAC and VSAC Federal loans servicing systems, Microsoft Office applications; and counseling information resources. Assisted customers on how to complete the Free Application For Student Aid (FAFSA), Degree and Non Degree grant applications, Scholarship application and scholarship opportunities. Educated customers to utilize the Income Driven Repayment plans provided by the Federal Government, and their entitlements to defer or forbear their federal student and or parent loans. Provided guidance on the pros and cons of Federal Loan Consolidation. Educated customers on Teacher Loan Forgiveness and Public Service loan forgiveness. Reviewed with customers Federal PLUS Credit criteria as well as Private loan credit factors required for loan approvals. Show less



Chittenden Bank

• Burlington, Vermont Area

• Mortgage Loan Officer

  • 1999 - 2001

  Originated saleable mortgage loans under secondary market guidelines (FHLMC, FNMA, FHA, VHFA, SRB). Developed and maintained working relationships with realtors, developers, and other referral sources. Informed customers and referral sources about other bank products. Interviewed and prequalified potential customers; maintained service to all parties throughout the application, approval and closing process. Originated saleable mortgage loans under secondary market guidelines (FHLMC, FNMA, FHA, VHFA, SRB). Developed and maintained working relationships with realtors, developers, and other referral sources. Informed customers and referral sources about other bank products. Interviewed and prequalified potential customers; maintained service to all parties throughout the application, approval and closing process.



Vermont National Bank

• Museums, Historical Sites, and Zoos

• Mortgage Loan Originator

  • Aug 1987 - Aug 1999

  Originated, and closed mortgage loans saleable and non-saleable with a focus on Affordable Housing. Enjoyed working with the first time homebuyers using VHFA and Burlington Community Land Trust now Champlain Housing Trust keeping homes perpetually affordable for future generations. Originated, and closed mortgage loans saleable and non-saleable with a focus on Affordable Housing. Enjoyed working with the first time homebuyers using VHFA and Burlington Community Land Trust now Champlain Housing Trust keeping homes perpetually affordable for future generations.



Chittenden Bank

• Burlington, Vermont Area

• Administrative Support

  • 1981 - 1987

  Provided support in various loan departments (installment, mortgage, commercial, MasterCard, and collections). Processed mortgage applications, evaluated income to debt ratios, updated principals as to loan status. Prepared files for underwriting review under secondary market guidelines. Obtained closing numbers and disbursed monies. Maintained home owners insurance coverage. Analyzed rate comparisons for local banks. Provided support in various loan departments (installment, mortgage, commercial, MasterCard, and collections). Processed mortgage applications, evaluated income to debt ratios, updated principals as to loan status. Prepared files for underwriting review under secondary market guidelines. Obtained closing numbers and disbursed monies. Maintained home owners insurance coverage. Analyzed rate comparisons for local banks.