Customer Service Real Estate

SANDRA WILHELM

** *** ****** **., * ranby, Ma ***33 C: 413-***-**** *********@*******.***

P ROFESSIONAL SUMMARY

Dedicated employee with high integrity, strong work ethic and great leadership skills.

Thirty six years experience in exceptional customer service.

Enjoy researching all accounting issues/errors (with full knowledge of all resources), with speed and

efficiency.

Strong analytical skills, results-drivenworks quickly and accurately under tight deadlines.

Willing to work from home or office.

Excellent ability to adapt to change and enjoy learning and expanding my knowledge in all areas. Team

player.

SKILLS

Financial reporting Exceptional organization

Customer relations Attention to detail

Account reconciliation

W ORK HISTORY

Mortgage Loan Officer, 0 6/2003 to 1 2/2014

Chicopee Savings Bank – 70 Center St. Chicopee, M a 01014

B uild strong relationship with customers by maintaining constant communication throughout the loan

process.

Provide various mortgage products to meet the financial needs of individual customers.

Review, analyze, and confirm all borrower information for qualifying.

Oversees & manages assigned Mortgage Closing Coordinator.

Reviews credit reports, appraisal reports and analyze financial statements.

Originate and underwrite residential loans.

Meet required yearly Bank set goals for originated & closed loans, closing approx. $20MM and continue

to set challenging goals.

Meet deadlines to ensure customer satisfaction.

Process mortgage modifications/amortizations as needed. Obtain Freddie Mac and FHLBB rates on daily

basis, and make changes as needed.

Lock in Freddie Mac and FHLBB rates as needed.

Perform Loan Prospector remittance for Freddie Mac and FHLBB.

Prepare Freddie Mac audits and transmits.

LOS used (Sound & Remote lending).

Visit all branches in order to cross train staff on Mortgage referrals.

Participated in First Time Home Buyers Classes at the Chicopee library.

Assist in training new Residential Lending personnel.

Increased new bank relationships within the local community by visiting local realtors monthly with

rates, products special promotions etc.

Attended brokers open and open houses to build relationships.

Perform rehab and new construction inspections.

Mortgage Loan Underwriter, 0 6/1999 to 0 6/2003

Chicopee Savings Bank

Gathered borrowers information needed to make sound Residential Mortgage Underwriting decision.

Worked closely with borrowers to provide them with their own individual needs.

Mortgage Loan Processing Supervisor, 0 6/1994 to 0 6/1999

Chicopee Savings Bank

Supervised staff in processing/posting of Residential Mortgages, Commercial and Consumer Loan.

Supervised in Secondary Market (Freddie Mac) sales and payoffs.

Supervised in Real Estate Tax Analysis process and timely payments of Real Estate Tax bills for all

mortgage customers.

Balanced weekly and monthly accounting statements.

Provided quarterly figures for Bank Call & Gap reporting.

Mortgage Loan Processor, 0 6/1990 to 0 6/1994

Chicopee Savings Bank

Processed/posted Residential mortgages, Commercial, and Consumer loans.

Processed Secondary Market (Freddie Mac) sales, funding, payoff wires and monthly reporting.

Real Estate Tax Analyst, 0 6/1986 to 0 6/1990

Chicopee Savings Bank

Utilized my residential mortgage experience, along with customer service and accounting experiences to

analyze our residential mortgage customers real estate tax needs.

Made adjustments to customers monthly escrow requirements as needed.

Worked closely with our collections department to assist in collecting back taxes due.

Accounting Department Processing Clerk, 0 6/1984 to 0 6/1986

Chicopee Savings Bank

Processed daily, weekly and monthly general ledger entries.

Balanced monthly Bank statements.

Made any necessary correcting entries.

Teller/Customer service,

Chicopee Savings Bank

Provided exceptional customer service.

Promoted Bank products.

E DUCATION

High School Diploma : 1 978

Chicopee High School - C hicopee, Ma

J.D.: Graduate of Massachusetts School of Financial Studies, 1 998

Babson College - B oston, Ma

ORGANIZATIONS

Member of the Realtors Association of Pioneer Valley

Volunteer Soup Kitchen

Member of the Business & Professional Women's Club

Also enjoy playing pool.

Taking pictures.

Antiques.

Contact this candidate