CN Carolyn Nowak

Myrtle Beach, SC ***** 716-***-**** adz1ih@r.postjobfree.com

PROFESSIONAL

SUMMARY

Personable Real Estate Specialist with background in developing and maintaining customer relationships in the lending industry. Sound knowledge of federal regulations and underwriting processes. Skilled in evaluating financial histories of clients. Hardworking and flexible individual with 40 hours of availability per week, including weekends and evenings. Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals. Reliable employee offering excellent communication and good judgment. SKILLS Credit File Updating

Product Education

Credit History Review

Creditworthiness Determination

Attention to Detail

Loan File Maintenance

Application Review

Client Interview

Customer Service

Analytical and Critical Thinking

Decision Making

Data Entry

Documentation and

Recordkeeping

Verbal and Written

Communication

WORK HISTORY LOAN OFFICER/MORTGAGE SPECIALIST 02/2005 to 06/2023 Cornerstone Community Federal Credit Union Lockport, NY Explained different types of loans pertaining to client situations. Fielded customer complaints and provided solutions. Evaluated pay stubs, credit history, tax information and bank statements for financial status.

Explained legal aspects of loan to borrower, as well as payment terms and clauses.

Reviewed and edited loan agreements to promote efficiency and accuracy. Recommended loan approvals and denials based on customer loan application reviews.

Maintained strict confidentiality of bank records and client information. Advised clients on mortgage, education and personal loans. Communicated with clients, processing teams and other third parties to achieve prompt loan closings.

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

Worked with underwriters to fix application problems and resolve issues. Followed up with clients on missing loan documents, providing guidance on best way to complete application process.

Analyzed loan applications and credit reports to determine loan eligibility and risk level.

Checked loan documents for accuracy prior to closing. COLLECTIONS ASSISTANT 01/2002 to 03/2005

Modern Disposal

Delivered exceptional customer service on all calls while maintaining calm and professional demeanor in challenging circumstances. Compiled and analyzed data for review by senior management of loan loss reports to measure portfolio performance.

Entered client details and notes into system for interdepartmental access and review.

Worked with customer to create debt repayment plan based on current financial condition.

ADMINISTRATIVE ASSISTANT 03/2001 to 01/2002

Alterra Clare Bridge Cottage

Answered multi-line phone system, routing calls, delivering messages to staff and greeting visitors.

Delivered top-notch administrative support to office staff, promoting excellence in office operations.

Assisted manager in all aspects of business operations. Attended to office operations and required paperwork. Created and updated physical records and digital files to maintain current, accurate and compliant documentation.

Greeted guests in with friendliness and professionalism. Recorded expenses and maintained accounting records. BOOKKEEPER/APARTMENT LEASING AGENT 06/1997 to 02/2001 Idylwood Apartments

Helped clients find leases to suit needs such as handicapped access, pet-friendly locations and one-story configurations. Responded to requests and scheduled appointments for property showings.

Oversaw monthly collections and maintained high payment rates by building positive relationships with tenants.

Assisted prospective tenants in paperwork completion and other logistics to facilitate smooth move-in processes.

Conducted property showings to highlight features, answer questions and redirect concerns to close contracts.

Inspected properties before and after new tenant move-ins to schedule maintenance, cleaners and other services.

Collected rent and tracked resident payments and information in computer system.

EDUCATION High School Diploma

Niagara Falls High School, Niagara Falls, NY

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