Staci C. Wood
Contact: 940-***-**** / adtksu@r.postjobfree.com
Detail-oriented, efficient, and organized Personal Executive Liaison with +15 years of experience. Skilled at providing strong analytical and problem solving. Proven track record of assisting in the ongoing effort to improve current systems and business methods. Proven methods of applying: Adaptability, Business Ethics, Communications, Customer Service, Dependability,Teamwork, Mathematical ability, and Reasoning ability.
Job History
Mortgage Loan Officer
1st National Bank, Ohio
April 2010 - April 2011
Initiated, marketed, and sold loans to previous clients.
Attended networking events to expand our circle of influence and to gain new clients, builders, and realtors. Sales Presentations
Resolves complex problems where the analysis of situations or data requires in-depth evaluation of loan procedures and standards.
Provide an value-added perspective or advice that contributes to the development of new Solutions and improvements to the proper documentation for the complex loans/situations.
Met with The President of the Bank monthly to review loans and reports, and any alternative offsetting compensating factors for exceptions on loan documents.
Oversaw application process for entire life span to make sure all government and banking laws were followed. Audit and compliance through funding and final sale of the loan. Servicing, and the completion of the sale of the Servicing of the loan. Escrow Analysis and Credit analysis. Pay off demand letters, and release of liens. Assuring payoff on loan is calculated to the date of pay off and has a per diem. Assuring old loan paid off and new lien in place. Follow through included: Bankruptcy, Foreclosures, defaults services, servicing, audit, and retention.
Produced $16- million a month, with no Commercial loans. Transferred to Texas
Mortgage Banker
Union Savings Bank, Cincinnati Ohio
Feb 2009 - April 2010
Sold, Marketed, Originated residential and Commercial Loans. Set up meetings with Loan Committee for Loan approval on loans with compensating factors, or Commercial.
Oversaw approval by CEO and CFO on all loans kept in house by private investors
Processed and Closed $16M in monthly loans consistently
Worked with 12 different branches for their referrals, as well as constant networking
Oversaw application process for entire life span to make sure all government and banking laws were followed.
Top 10 producer in the company every month.
Assistant Branch Manager
NCB, Cincinnati, Ohio
May 2008 – Feb 2009
Managed day to day operations
Processed SAR’s reports, equity lines of credit
Sponsored promotions to meet goals
Set up commercial accounts and completed wire transactions
Balanced ATM, Vault, and teller line.
Wrote lines of credit and sold CD’s, Bonds, etc.
Evaluated daily assets and accounts for financial advisors
Mortgage Loan Officer
National Bank and Trust Company, Cincinnati, Ohio
Aug 2006 - May2008
Supported 25 branches by cross-selling, marketing, and originating residential and commercial loans
Consistently closed $16Million - in monthly loans
Participated in loan committee meeting with leadership to present our outside of the box loans that were kept in house. These loans were kept in house.
Reviewed pipeline and accounting reports
Consistent Top Producer
Processing Manager
Benchmark Mortgage, Addison, Texas
Feb 2002 - May 2005
Increased gross sales from $8million to over $88 million per month for the branch in three months.
Requiring/Staffing processors and Loan Officers
Maintained pipelines, submissions kept in house and brokered out
Reviewed all files, income, assets, compliance, balanced CD's/HUD1 settlement statements
Perform in depth troubleshooting and root cause analysis to identify issues, create solutions, and implement action plans. Provide support and guidance for all staff regarding general efficiency of operations.
Acted as a liaison between administration and other departments, and prepare, maintain, and present analyses at monthly meetings.
Loan Officer
USBank Corp
Jan 2000 - Jan-2002
Maintained relationships with 25 branches to cross sell their products and services
Originated residential loans
Attended campaign and networking meetings
Winner of 5-star customer service award consistently
Top Ten Producer in the state of Ohio consistently
I received permission from the Top to close out my pipeline while being transferred to Texas. That pipeline was over 5 million left over.
References available upon request
Education
1984-1988 Springfield High School
1988-1993 University of Akron. Worked towards dual Major Business and Communications/Fine Arts
Software
Word, Excel, Power Point, Caylx, Black Knight, LP,DU, LOS, POINT, MSP, Sargent, Multimedia Marketing, SARRS reports, DOS, and many other software programs.
Skills
Experience working with: Conventional, Non-Conforming, Commercial, Jumbo, FHA, VA, Underwriter, processor, Subordinations, USDA, Rural, Bridge-loans, 2nd mortgages, New Construction w/built in conversions, land loans, lot loans, and 3/5/7-year balloon/arm products. MERS, ATR, Cost Approach appraisals/1004on SFU, DTI, DSCR,NPL/RPL, RESPA, Business Acumen, Fraud, money laundering Escrow of taxes and Insurance, deferments, military deployment, Personal skills with insurance claims: Whole life insurance, disability insurance, mortgage insurance, PMI, Homeowners Insurance, Flood Insurance, Natural Disasters, Earthquake, etc., Homestead Exemptions, Servicing incoming loans(accepting payments, collecting escrows, forbearance agreements, COVID-19 deferments, REO dept., and Foreclosures and CSR at PHL)
Guru of: Cardiology, Pediatrics, Cardiology, Orthopedics, OBGYN, infertility, Pediatric Dentistry, Specialty doctors, Neurology, Neurosurgeon, Breast Surgeons, Hematology, Endocrinologist, Internist, Cancer Patients, and specialty Pharmacies for specific medications that need to be shipped monthly. This includes dealing with insurance claims, balances, EOB’s, settlements, and in-network co-pay vs. out of network co-pays. Travel arrangements, and Personal & Confidential business taken care of privately.