Customer Service Real Estate

Mary Susan Baire

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Address: **** ***** *** ****** ****, Lakeville, Minnesota

E-mail Address: *********@*****.*** Mobile Number: 952-***-****

Career Summary

I am proficient, trustworthy and organized person with a successful track record and significant achievements in Banking

and Finance, Operational and Management fields. People are truly my passion and I have good internal and external

customer service skills and relationship building attributes. I thrive with a more hands on position giving a high standard

of quality service to achieve both personal and corporate goals and objectives whilst demonstrating self-motivation,

flexibility and initiative.

Key Skills & Areas of Expertise

Professional competencies

Thorough understanding of banking procedures and Marketing product.

regulatory laws and regulations. Creating a business plan.

Thorough understanding of property management Credit management.

and fair housing. Risk management and evaluation.

Thorough understanding in real estate title and Secondary market.

closing procedures.

Personal competencies

Self starter, Reliable and truthful. Excellent communication and negotiating skills in-

Highly organized character disciplined and diligent person, online, in writing and/or on the phone.

follower of policies and procedures Comprehensive understanding of client confidentiality.

Ability to work on own initiative and without A good sense of tact in engaging with colleagues,

supervision; business associates and clients.

Having the ability to work accurately and attention to Initiative and ingenuity with excellent problem-solving

detail in a demanding, client-oriented environment skills.

even when under pressure. Ability to coach and motivate subordinates.

Work Experience

Achievements:

Over a decade of experience in a strategic position within diverse areas including, extensive in-depth experience of the entire

banking, mortgage lending, real estate closing and property management industries, administration and consultancy and

finance within financial institutions and real estate property management. Improved overall customer service including

vendor relations and management.

Current:

Working as a mobile real estate closer performing real estate closings for title companies, on-line vendors, and banks. I

present and explain loan documents and notarize signatures. I strive to minimize errors and return signed documents to the

title companies to ensure a successful real estate closing in the comfort the borrower’s home.

Previous Experiences

Site Manager - with Oak Grove Realty Services, Inc., Saint Paul, Minnesota

2007 - 2014

Managed the physical asset and maximized the financial returns from that asset in accordance with the

owner’s objectives. Responsible for hiring, training, supervising, developing, and terminating all on-site

personnel. Prepared availability report, monthly property summary report, comparable report to determine

market price. Understand market conditions and competition. Create marketing plan to ensure occupancy

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goal of 95% or better. Educate tenant on company policy for rent payment procedures to improve

delinquency. Communicate directly to tenants, vendors, and staff.

Real Estate Closer/Marketing with Stellar Title, Brooklyn Center, Minnesota (Office Closed)

2005 – 2006

Marketed title services to brokers, realtors, banks and mortgage lenders. Prepared the closing package

according to investor instructions, schedule closing date and time, and disburse funds. Ensure clear title at

closing of loan. Develop new business and maintain existing business.

Mortgage/Banking History:

A wealth of experience acquired in diversity during 1987 and 2005 working for various lenders and banks. Originated

conventional, non-conventional, FHA/VA, B/C credit, construction, lot and bank product real estate loans. Thorough

knowledge of FNMA/FHLMC, FHA/VA, and bank product guidelines, and secondary marketing pricing. Developed new

business and maintained existing business with brokers, realtors, builders, title companies and direct consumer marketing.

Managed loan pipeline and acted as liaison between consumer, realtor, builder, and title companies. FNMA/FHLMC LP/DU

certified to underwrite automated loans. Quote interest rate and locked-in interest rate. Customer care was obtained with

customer service and communication. Developed customer database in marketing purchase, refinance, home equity and

referral business.

Loan Originator with Associated Bank, Burnsville, Minnesota

2004 – 2005

Loan Originator with National City Mortgage Company, Saint Paul, Minnesota

2003 – 2004

Mortgage Loan Consultant with Principal Residential Mortgage, Bloomington, Minnesota (Office Closed)

2002 – 2003

Mortgage Banker with Commonwealth United Mortgage AKA National City Mortgage (Office Closed)

1999 – 2002

Mortgage Banker with US Bank, Burnsville, Minnesota

1998 – 1999

Real Estate Lending Officer with First National Bank of Monticello/Lakeville, Lakeville, Minnesota

1996 – 1998

Mortgage Loan Officer with Commonwealth United Mortgage, Eagan, Minnesota (Office Closed)

1995 – 1996

Mortgage Loan Officer with First Bank Systems, Inc., Saint Paul, Minnesota

1994 – 1995

Mortgage Loan Officer with Temple Inland Mortgage, Bloomington, Minnesota (Office Closed)

1993 – 1994

Senior Loan Processor with Commonwealth United Mortgage, Bloomington, Minnesota

1993 – 1993

Bank Loan Officer with First United Savings Bank, Greencastle, Indiana

1992 to 1993

Loan Officer with National City Bank, Indianapolis, Indiana

1991 – 1992

Loan Officer with Commonwealth United Mortgage, Monterey, California

1987 – 1991

Operations Manager with United Savings Bank, F.S.B., San Francisco, California

1985 – 1987

Responsible for the hiring and supervision of processing staff. Processed conventional, non-conventional,

and FHA/VA loans. Provided loan product and underwriting criteria training to loan agents and loan

processors. Priced and locked-in interest rates. Managed loan pipeline from processing to closing.

R.E.O. Assistant/Loan Processor with Granite Home Loans, San Jose, California

1982 – 1985

Managed R.E.O properties. Promoted to loan processor. Processed conventional, non-conventional,

FHA/VA and second trust deeds.

Part Time Work

Mobile Real Estate Closer – Free-lance, Lakeville, Minnesota

1996 - Present

Present real estate loan documents, verifying identity of signer (s), notarizing signature(s) and returning

documents to lender per lender instructions in a timely manner. Duties include preparing loan documents,

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reviewing and understanding lender instructions, marketing new business and maintaining existing

business.

2013 – Present Fitting Room Operator with Target Corporation,

Responsibilities include managing the fitting room area, alert to actions of theft, answering store incoming

calls, assisting guest, and sales. I improve the shopping experience of guest in a retail environment and

identify opportunities to sell products.

Leasing Agent with Waterford Place Town Homes, Eagan, Minnesota

2005 – 2007

Developed market plan to increase traffic and obtain rental applications. Closing ratio improved by utilizing

listening skills and identifying the consumer’s needs. Increased occupancy to meet occupancy goal of 95%

or better. Processed application, prepared leases, and rent collections.

Leasing Agent with Boisclair Corporation/Highland Apartments, Bloomington, Minnesota

2002 – 2005

Developed market plan to increase traffic and obtain rental applications. Closing ratio improved by utilizing

listening skills and identifying the consumer’s needs. Increased occupancy to meet occupancy goal of 95%

or better. Processed application, prepared leases, and rent collections.

Sales/Greeter with New Neighbor Welcome Service, Eagan, Minnesota

2003 – 2005

Developed market plan to target local businesses promote businesses to promote their business and/or

service to the community. Managed accounts and learned by experiencing the client’s product and/or

service first hand to share the experience with the new resident.

Academic Background

2013 Minnesota School of Business, Lakeville, Minnesota

1983 Mission College, Santa Clara, California

1981 North Putnam High School, Roachdale, Indiana

Additional Skills

• Notary Public with Minnesota Office of the Secretary of State.

• Ability to perform a variety of general accounting duties.

• Proficient in various business applications including Microsoft Office software packages

• Proficient in Yardi for property management.

• Proficient in UltiPro for payroll management.

Skills and Expertise

Marketing; Management; Banking; Finance; Property Management; Customer Service; Administration;

Professional Memberships

Lakeville Chamber of Commerce – Member since 1996

Builders Association of the Twin Cities – Past Member

Community Volunteer History

Chamber of Commerce of Lakeville: Member since 1996

Outreach Foundation/Charitable Program with the Twin Cities Builders: Build homes and provided

home renovations for inner city and depressed neighbourhoods to improve communities and families.

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Habitat for Humanity/A Brush with Kindness: Is an exterior preservation program that provides

painting, landscaping and minor repair services for homeowners in need.

National Night Out: Partner with Lakeville Police Officer visiting neighbourhoods.

Feed My Starving Children: Pack food for malnourished children. The packaged food is shipped to nearly

70 countries around the world.

Interest/Hobbies

Art, music, literature, poetry, writing, movies, volunteering, traveling and spending time with my family.

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