Service Representative Customer
Resume:
Diane Shapero *
Senior Loan Specialist
New York, NY 10001
**********@*****.***
Client-focused, establishing comfort and trust. Skilled communicator who has client's interest in mind. Resourceful problem solver adept at meeting assigned goals. A progressive career path that reflects a loyal, productive and accountable employee. Authorized to work in the US for any employer
Work Experience
Certified Debt Specialist
National Debt Relief
March 2019 to October 2022
Solicit potential clients who are looking for debt consolidation options.
*Explain to the customer what the debt settlement program is and why this is their best option
*Take application over the phone and pull an Experian or TransUnion report.
*Inform client of approval or decline.
*If approved go over KBA questions before discussing credit report.
*Go over credit report by explaining credit utilization and fico scores.
*Explain why the debt settlement program is beneficial to them while going over trade lines.
*Submit application to underwriting for approval
*Enroll client by sending and going over agreement with client to electronically sign. Senior Mortgage Specialist
First Republic Bank - New York, NY
October 2016 to September 2018
Responsible for the loan set up, processed & underwritten in a timely manner while meeting all regulatory compliance and achieving a high level of customer service. Analyzed tax returns and financials ranging from complex to simple for various types of borrowers.
• Communicate with clients, attorneys, title and escrow companies.
• Review set-up loan files for completeness and identify missing documentation.
• Analyze each loan file, ensuring the loan narrative,appraisal(s), application, preliminary title reportand verifications are accurate.
• Prepare loan files for funding by reviewing the analysis for accuracy and to ensure all regulatoryinformation and loan terms are accurately input into the computer system to meet compliance requirements.
• Completed KYC compliance for all loan types
• Prepare pre-qualification and/or commitment letters for loan officer review.
• Cross train other team members, when applicable
Senior Mortgage Loan Specialist
HSBC Bank - New York, NY
March 2003 to July 2016
Worked with a team of Account Executives ensuring that all loans are processed in accordance with established mortgage guidelines rules and regulations. Worked closely with clients to assess needs, evaluate risks, during loan approval process.
• Reviewed executed documents and coordinates the disbursement of funds
• Provided guidance, training and assistance to branch office in the absence of manager
• Processed loans for underwriting approval and making sure that all open conditions are met for clearto close, prepared opening packages and disclosures
• Reviewed purchase contracts & amendments, consumer credit reports, calculated borrowers income,loan-to-value, debt-to-income ratios and net disposable income.
• Ordered and followed up on all 3rd party documents, such as appraisals, titles, pay- off statements,verification of employment, mortgage histories, etc.
• Balanced loan funding against estimated HUD-1 and coordinate disbursement of funds.
• Coordinated the drawing of closing documents, monitored branch pipeline, and forwarded statementof credit denial (adverse action notice) to borrowers Senior Account Executive
Beneficial Homeowner Service Corp - New York, NY
February 1998 to May 2003
Sold financial products and services to individual's clients in high risk market including personal loans, home equity loans, 1st and second mortgages and life and disability insurance. Consistently met and exceeded monthly sales quotes throughout my tenure at different branches.
• Acted as a financial advisor, analyzing clients financial needs and capacity: providing appropriatesolutions, helping clients re-reestablish their credit rating and eliminate debts
• Sold financing services to businesses that might want to provide service to their clients
Account Executive/Sales Assistant
1996 to 1998 Senior Customer Service
Representative
1994 to 1996
Marketing Sales Manager
1990 to 1994
Customer Service Representative
1980 to 1990
Education
Psychology
St. Francis College - Brooklyn, NY
Skills
Loan processing and Underwriting
Additional Information
COMPUTER SKILLS: MS Office, Lotus Notes and various banking systems used for loan processing
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