Mortgage Consultant Service Representative

Rita Boothe

Baltimore, MD

443-***-**** *********@*****.*** linkedin.com/in/rita-boothe-b0801244/

FINANCIAL ANALYST

Motivated professional possessing strong commitment to quality customer service coupled with superb communication skills. Build customer loyalty by effectively resolving problems with a unique set of solutions for every problem. Creative in decision-making, while careful in taking conservative risks to increase sales and customer retention.

COMPETENCIES

Budgeting and Finance Business Development Relationship Management

Competitive Positioning Time Management Business Analytics Process Optimization

PROFESSIONAL EXPERIENCE

Wells Fargo Home Mortgage - Owings Mills, MD 2/2020 - Present

Mortgage Loan Processor

Process mortgage loan applications from credit check to document preparation. Make intro call to verify loan details and request additional documentation if necessary. Coordinate with employees within the department as well as with other departments to ensure smooth and efficient flow of information.

• Review all documents retrieved against those requested and analyze for accuracy and errors.

• Prepare necessary documents and submit mortgage loan application files for underwriting approval. Submit conditions to Underwriter to clear loan for approval.

• Follow-up on all outstanding orders to 3rd parties and borrowers within established company deadlines. Complete verifications for credit items which include asset information, rental history, credit reports. Ensure timely and compliant closing of all types of residential mortgage loans within established deadlines.

• Communicate with management and coworkers to integrate goals and activities.

APGFCU - Bel Air, MD 7/2018 - 2/2020

Mortgage Consultant

Complied with regulatory requirements, including Bank Secrecy Act, Anti Money Laundering, OFAC, USA Patriot Act, Privacy Act and Community Reinvestment Act Originated, reviewed, processed, closed, and administered customer loan proposals. Set up, stored and updated customer files, department records and regulatory paperwork.

• Developed and maintained relationships with local real estate agents.

• Reviewed and edited loan agreements to promote efficiency and accuracy.

• Consulted with outside vendors to identify and resolve loan closing issues

• Compiled database of loan applicants' credit histories, corporate financial statements, and other financial information.

• Collected and compiled paperwork such as title abstracts, insurance paperwork, loan files and tax histories.

• Submitted loan applications to loan underwriter for verification and recommendation. Identified and capitalized on community business opportunities with effective networking.

Northrop Grumman Federal Credit Union - Linthicum Heights, MD 3/2018 - 7/2018

Member Service Lead

Reviewed credit applications for risk factors and credit worthiness, demonstrating knowledge of branch financial products, loans, and lines of credit. Identified and capitalized on community business opportunities with effective networking.

• Trained and developed new team members in alignment with branch service standards and objectives.

• Responded to customer concerns, partnering with manager to significantly raise customer satisfaction ratings.

• Supervised and evaluated staff in order to achieve daily objectives and facilitate advancement.

Rita Boothe *********@*****.*** Page 2

Wells Fargo Home Mortgage, Lutherville - Lutherville, MD 6/2016 – 3/2018

Home Mortgage Consultant

Advised clients on mortgage, educational and personal loans. Originated, reviewed, processed, closed, and administered customer loan proposals. Submitted loan applications to underwriter for verification and recommendations. Complied with regulatory requirements, including Bank Secrecy Act, Anti Money Laundering, OFAC, USA Patriot Act, Privacy Act and Community Reinvestment Act. Developed and maintained relationships with local real estate agents. Maintained friendly and professional customer interactions.

• Compiled database of loan applicants' credit histories, corporate financial statements, and other financial information.

• Reviewed and edited loan agreements to ensure accuracy.

• Maintained strict confidentiality of bank records and client information.

• Recommended loan approvals and denials based on customer loan application reviews.

Wells Fargo Bank - Baltimore, MD 3/2015 - 6/2016

Personal Banker

Promoted all financial products by maintaining excellent service and offering knowledge. Adhered to all federal and state compliance guidelines relative to retail mortgage lending. Always maintained friendly and professional client interactions.

• Achieved consistent recognition as a top sales performer.

• Maximized revenue through improved sales techniques and branch productivity.

• Identified problem areas within the loan portfolio, analyzed risks and suggested appropriate solutions.

• Trained new team members on applying due diligence procedures and regulatory mandates.

• Received an internal audit score of 97%

Johns Hopkins Federal Credit Union - Baltimore, MD 3/2014 – 3/2015

Member Service Representative

Answered telephone inquiries on banking products including checking, savings, loans, and lines of credit. Utilized up-to-date information to make effective decisions governing bank operations education on current banking products and services through the learning center.

• Set risk management policies to mitigate bank losses.

• Built and maintained productive relationships with internal and external C-level executives to facilitate business success.

M&T Bank - Essex, MD 11/2008 – 3/2014

Relationship Banker II

Researched topics and completed due diligence to resolve issues in a timely manner. Generated reports detailing daily production for East Baltimore region. Collected and arranged information and entered details into computer database.

• Discovered major instances of fraud, embezzlement, and large balances due.

• Completed training in topics such as credit management, life and health, and wealth management.

• Accessed credit records to evaluate customer histories. Prepared documents, reports and presentations using advanced software proficiencies.

EDUCATION

Harford Community College

Harford Leadership Academy

COMPUTER SKILLS

Microsoft Office proficiency

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