Internal

Kathleen Russo

** ***** ***

Old Orchard Beach Maine 04064

Cell: 781-***-****

ad39d2@r.postjobfree.com

NMLS 1573512, FHA DE, VA SAR

TD BANK MALL ROAD

Store Supervisor

**/**/**** ** present

Provides supervisory oversight to a team of advice and service colleagues in the achievement of individual and Store objectives that result in legendary Customer and colleague experiences. Provides day-to-day team leadership and work direction to ensure effective/efficient delivery of personalized/complex service and advice activities and/or solutions while maintaining compliance and regulatory guidelines.

Closely monitors workflows for the teller team and platform, prioritizing tasks and delegating duties and responsibilities.

Work focus time horizon is generally short term with low to moderate risk. Demonstrates understanding of bank operational policies, procedures and regulations and establishes expectations, delegates tasks as appropriate and educates the team on how they play a part in managing risk and protecting TD Bank, Employees and our Customers. Drives operational excellence in the Store, including but not limited to cash handling, vault management, control of negotiable items, preventing fraud, managing controllable expenses, promoting integrity, Customer privacy and Employee safety.

UNDERWRITER, SAR, DE, LAPP Training, NMLS 1573512

EMBRACE HOME LOANS

Senior Underwriter

11/2015 to 11/2022

RADIUS FINACIAL GROUP

DE Underwriter

11/2008 to 11/2015

WEICHERT FINANCIAL SERVICES

Client Manager of Underwriting

06/2006 to 01/2008

MORTGAGE UNDERWRITER

Internal

Communicate effectively and professionally with VIP clients, partners (lenders, solicitors, brokers etc) and internal colleagues, by telephone, in person, in writing and via email. Work to achieve allocated targets on a day to day and week to week basis ensuring that the overall monthly targets are achieved.

Ensure smooth completion of VIP applications, liaising with lenders, solicitors, brokers and clients as necessary.

Sell products and services to the client at every opportunity recommending services as appropriate. Refer clients for site insurance, mortgage products and other financial service products as appropriate. Manage workload to ensure that internal service agreements are adhered to. Be compliant with the mortgage code and data protection act. Developed and implemented Customer Service Methods and Procedures manual for company wide use. Responsible for reviewing, analyzing, approving and underwriting individual consumer requests and products within company and industry guidelines.

Evaluating and ensuring overall loan documents are accurate, complete and compliant. Review financial statements, credit reports, applicable ratios (debt ratios, loan to value) and other supporting documentation using an automated scoring system or traditional underwriting. Collaborate with customers and partners to gather information to make appropriate decisions, explain rationale behind credit decisions.

Responsible for staying abreast of any changes in underwriting provisions. Partner with interdependent organizations as needed to resolve issues and questions. Responsible for assisting in the supervision and development of 8 employees. Responsible for implementing employee morale procedures. Nelson and Roach Law Offices

Paralegal

8/2004 to 8/2016

Prepare legal documents for mortgage loan closings. Coordinate mortgage loan closings with borrower, attorney, broker and seller. Gateway Funding

Underwriter / Sr. Loan Officer

6/2001 to 6/2006

Communicate effectively and professionally with clients, partners (lenders, agents, solicitors, brokers etc) and internal colleagues, by telephone, in person, in writing and by email. Work to achieve allocated targets on a day to day and week to week basis ensuring that the overall monthly targets are achieved.

Ensure smooth completion of applications from loan origination to loan closing. Family Business

6/1990 to 6/2001

Loan Processor

Billerica Memorial H.S. - 1983 Graduate

Middlesex Community College - PT business classes 1983-1985