CHERYL GARY

**** ******** ******, ********, ** **234

Phone: 804-***-**** • Email: adufgz@r.postjobfree.com PROFESSIONAL SUMMARY

Experienced, goal-oriented, team player offering a vast knowledge of banking regulations and compliance procedures. Dedicated to maintaining professionalism and integrity. Resourceful financial professional adept at recommending loans and managing multi-million dollar portfolios. Loan counselor skilled at working independently under tight deadlines. Trained in entry-level management leadership and customer relations. Driven Loan Officer with a fast-track record in mortgage and home lending product sales. Demonstrates strong interpersonal skills and exceptional service.

SKILLS

Inventory Management

Practiced at FHA loan process

Audit Reporting

Negotiation

Quality Assurance

Strong Customer Relations

Strong Bank and work ethics

Practiced due diligence

Self-sufficient

WORK HISTORY

1/19/15- present Live well financial, Richmond, VA 23236 Reverse Mortgage loan Originator

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

● Maintained current loan and pricing information on the online banking website.

● Originated, reviewed, processed, closed and administered customer loan proposals.

● Compiled database of loan applicants’ credit histories, corporate financial statements and other financial information.

● Developed and maintained relations with local real estate agents.

● Submitted loan applications to the underwriter for verification and recommendations.Recommended loan approvals and denials based on customer loan application reviews.

10/2005–2/2014 Bank of America, Richmond, VA 23237 Mortgage Executive/Negotiator

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

● Maintained current loan and pricing information on the online banking website.

● Originated, reviewed, processed, closed and administered customer loan proposals.

● Compiled database of loan applicants’ credit histories, corporate financial statements and other financial information.

● Developed and maintained relations with local real estate agents.

● Submitted loan applications to the underwriter for verification and recommendations. 01/09–10/2012 Bank of America, Richmond, VA 23237

Quality Assurance

● Implemented strategic plans that allowed associates to adhere to the revision of policies relative to company guidelines.

01/2001-10/2005 AT&T, Richmond, VA 23230

Sales Associate/Credit Activations

● Developed and maintained long-term relationships with policyholders and small business entities.

● Identified and qualified customer needs, developed sales strategies and negotiated and closed profitable projects with an 85% success rate.

● Greeted customers entering the store to ascertain customers’ needs/wants.

● Described products to customers and accurately explained details and care of merchandise.

● Politely and professionally assisted customers via phone and in person.

● Restocked inventory and reviewed cash operation data to verify proper replenishment.

● Scheduled weekly inventory pickups and deliveries with vendors.

● Determined customer credit worthiness through credit reports and other pertinent information.

01/1997-10/2001 Via Systems Technology, Richmond, VA 23231 Quality Assurance Specialist

● Adhered to all safety protocols and safe work practices to reduce likelihood of injury.

● Detected and reported malfunctions and out-of-tolerance machining.

● Served as liaison between customers and manufacturer to design new product.

● Assisted machine operators with finished pieces.

● Collated components for assembly.

● Achieved production requirements.

● Estimated costs and set quality standards.

01/1992-12/2001 USA Army

62B/Mechanic

● Tracked personnel and supplies within the company.

● Maintained 100% accountability of all assigned equipment.

● Maintained proper working ability of most military heavy equipment.

● Inventoried and inspected all tools and equipment needed to maintain functioning vehicles in motor pool.

EDUCATION

Armstrong High School, Richmond, VA

Advanced studies diploma

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