Mortgage Lending, Sales, Customer Service, Data Entry, Commercial

CHERYL B. ROSS

Banking and Finance Professional

Suwanee, GA 30024 404-***-**** *******@******.*** Professional Summary

Results-oriented professional with strong mortgage industry skills and a proven record of success in quality- driven support roles. Capable project manager: a self-starter who is well equipped to manage and prioritize the competing demands of multiple projects. Proven relationship manager who is successful in establishing rapport and working with people at all levels. Respected team player known for bringing a sense of pride and ownership to all tasks and projects.

Experience

Sr. Mortgage Loan Processor III Jul 2020 - Current SunTrust/Truist Bank Atlanta, GA

• Responsible for managing and tracking pipelines of 75+ residential mortgage loans in while ensuring quality service.

• Coached, motivated, and drove processing team to meet company goals and continuously increase revenue.

• Analyzed potential risks and evaluated loan products to identify suitable options for customers.

• Demonstrated knowledge of Conventional, Federal Housing Administration (FHA), Veteran's Administration (VA), Rural Development (RD), non-QM loan programs and guidelines.

• Provided information to internal and external parties, relating to home loans; maintained and exceeded established processing times and funding goals; maximized opportunities to build new loan relationships.

• Developed, documented, and deployed tools towards process improvements, workflows, and efficiencies.

• Received 97% satisfaction rating from customers. Licensed Senior Mortgage Loan Officer Feb 2018 - Apr 2020 Lennar Homes/Eagle Home Loans Atlanta, GA

• Developed and improved increased sales capabilities by 50% over two years while managing 8 communities.

• Funded between 5-8 million in loans each month.

• Fostered relationships within communities through spearheading seminars and attending sales events.

• Tracked pipeline data, missed sales opportunities and lead response times with Salesforce CRM.

• Proactively identified solutions for customers experiencing credit issues.

• Maintained high level of customer satisfaction by providing prompt and accurate loan status updates.

• Negotiated loan terms and conditions with clients to maximize profitability.

• Used strong analytical and problem-solving skills to develop effective solutions for challenging situations.

• Participated in team projects, demonstrating an ability to work collaboratively and effectively.

• Learned and adapted quickly to new technology and software applications. Regional Sales Manager Oct 2016 - Jan 2018

OneTrust Home Loans San Diego, CA

• Collaborated with senior executives to evaluate performance in regional area and develop strategies to expand revenue generation.

• Managed team of 8 loan officers and consistently achieved high sales targets.

• Funded between 4-6 million loans per month.

• Recruited, interviewed, and hired employees and implemented mentoring program to promote positive feedback and engagement.

• Participated in sales calls with direct reports to strengthen customer relationships and uncover possible opportunities for growth.

• Held weekly meetings with Sales staff and processing department to identify techniques to overcome sales obstacles.

• Mentored and trained staff to define and exceed field sales objectives.

• Elevated customer satisfaction ratings by troubleshooting and resolving issues efficiently. Regional Sales Manager, Sr May 2014 - Oct 2016

Guild Mortgage/Finance of America San Diego, CA

• Promoted from Sr. Loan Processor to Regional Sales Manager.

• Utilized metrics to modify low-performing sales and marketing programs and increased sales by 35%.

• Achieved regional sales objectives by coordinating sales team, developing successful strategies, and servicing accounts to strengthen business relationships.

• Engaged in product training, demonstrations, consumer awareness, branding, and acquisition initiatives to raise awareness and revenues.

• Monitored customer complaint trends to drive satisfaction improvements and adjusted operational strategies to reduce issues.

• Created and completed loan submission packages (FHA, VA, USDA conventional, non-QM, and bond programs).

• Collaborated with senior executives to evaluate performance in regional area and develop strategies to expand revenue generation.

• Demonstrated products to show potential customers benefits and advantages and encourage purchases.

Sr. Loan Processor/Loan Officer Assistant Feb 2013 - Mar 2014 REMNINC Atlanta, GA

• Independently, aggressively, and proficiently processed 60+ files, including highly complicated self- employment files.

• Assisted with timely loan closing and funding activities with efficient management of task checklists.

• Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.

• Maintained mortgage program compliance with federal agencies such as VA, HUD, FNMA, FHLMC, and non-QM loans.

• Liaised with clients to guide through loan closing process and skillfully handle any concern.

• Ensured processing system is utilized in accordance with policy and procedures (including accurate file status and all required data in compliance with government reporting requirements.

• Analyzed and verified applicant income, assets, and credit history to support compliance with underwriting guidelines.

• Researched and updated industry knowledge on changing legislation and regulations. Sr. Loan Processor/Loan Coordinator Dec 2009 - Mar 2014 Capital Lending Inc Atlanta, GA

• Supervised loan personnel and motivated to maintain customer service and performance standards.

• Recommended loan approvals and denials based on customer loan application reviews for non-QM, commercial, conventional, VA and FHA loans.

• Accurately analyzed credit, calculated income, and evaluated assets, liabilities, and collateral per agency and investor guidelines.

• Developed strong relationships with customers through high levels of customer service.

• Developed and maintained relationships with customers, lenders and other third parties.

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

• Analyzed potential risks and evaluated loan products to identify suitable options for customers. Education

High School Diploma

Garner Senior High School Garner, NC

Core Qualifications

• Empower and Encompass LOS

• USDA, FHA, VA, Conventional, Non-QM, HELOC

and bond loan programs

• Credit Risk Management

• Financial Service Solutions/Mortgage Banking

• Residential Loan Sales and Origination

• Financial Analysis

• Supervisor/Leader/Team Management

• Analytical and Critical Thinking

• Planning and Coordination

• New Construction Loan Process

• Verbal and written communication

• Regulatory Compliance

• HMDA, Reg Z, Reg B rules/policies

• Salesforce

• Mastery of Microsoft Office (Word, Excel,

PowerPoint) and Google Suite (Docs, Sheets,

Slides).

Contact this candidate