Business Development Regulatory Compliance
Resume:
Cindy Tucker 501-***-**** • ************@*****.***
Maumelle, AR 72113
Accomplished mortgage lending and business development professional with extensive experience in driving sales growth, optimizing financial solutions, and building strong client relationships. Demonstrated expertise in credit analysis, loan origination, and portfolio management, with a deep understanding of regulatory compliance, including Truth-In-Lending, RESPA, and Reg Z. Adept at managing complex loan products, including refinances, HARP loans, and home equity lines of credit, ensuring full adherence to industry standards and guidelines. Proven success in strategic sales development, consistently surpassing production goals and fostering long-term client retention. Skilled in leveraging CRM systems and mortgage processing software such as Encompass, alongside expert proficiency in financial analysis, tax returns for self-employed borrowers, and loan servicing. Collaborative team player with superior time management and organizational capabilities, coupled with an ability to thrive in high-pressure environments while delivering results that drive business growth and customer satisfaction.
Areas of Expertise
Sales Strategy & Execution
Credit Risk Assessment
Financial Portfolio Analysis
Client Acquisition & Retention
Business Development & Expansion
Loan Origination & Processing
Business Process Optimization
Financial Product Customization
Data-Driven Decision Making
Performance Metrics & Reporting
Cross-Departmental Collaboration
Process Improvement Initiatives
Contract Negotiation &
Management
Regulatory Compliance
Management
Market Intelligence & Trends
Analysis
Team Leadership & Development
Market Penetration & Expansion
Customer Experience Enhancement
Professional Experience
From 2023 to Present, engaged in personal/family activities, cultivated professional skills like time, resources, and people management while searching for potential job opportunities. Bank of America – Little Rock, AR 2018 – 2022
Mortgage Lender
Managed a portfolio of customer accounts, ensuring continuous engagement and tailored service solutions. Maintained NMLS licensure and utilized Encompass software to streamline loan processing. Collaborated seamlessly with internal teams and external stakeholders, driving successful mortgage transactions and ensuring full compliance with all legal and regulatory requirements. Performed detailed analysis of self-employed borrowers' personal income tax returns to assess loan eligibility. Key Contributions:
● Assessed clients’ financial standing and creditworthiness by collecting and analyzing financial data, determining eligibility for various loan products, including home mortgages, home equity lines of credit, and auto loans.
● Delivered expert lending guidance to clients across 50 states, specializing in residential mortgages, home equity lines of credit, and auto loans, while cultivating exceptional telephone customer relationships.
● Applied comprehensive knowledge of loan types, including Conventional, FHA, and VA loans, and ensured strict adherence to industry regulations such as Truth-In-Lending, RESPA, and Reg Z.
● Exhibited superior sales/customer relations expertise, driving revenue growth while consistently enhancing customer satisfaction.
● Elevated sales performance and customer satisfaction through effective relationship management and expert product guidance.
Arvest Bank / Arvest Mortgage Company, Internet Lender, National Retention Department 2012 – 2019 Mortgage Lender
Gathered and scrutinized necessary verifications, including income and assets, and analyzed credit reports to assess client creditworthiness. Ensured strict compliance with real estate regulatory requirements throughout the loan process, from origination to closing. Reviewed residential property appraisals in accordance with standard appraisal guidelines to ensure accuracy and alignment with market conditions. Collaborated closely with the loan production team, providing regular updates on loan files and addressing inquiries regarding loan scenarios, documentation, and guideline requirements. Page 2 3
Key Contributions:
● Provided expert refinancing and purchase loan origination services to clients across 49 states, partnering with Central Mortgage Company, Arvest Mortgage Company, and Arvest Bank.
● Delivered consistent loan origination results while ensuring full regulatory compliance, effectively managing complex loan scenarios and fostering long-term customer relationships.
● Originated a diverse range of loan products, including refinance and HARP loans, residential mortgages, construction- to-perm loans, and home equity loans.
● Reworked loan files as necessary, preparing government loans for final underwriting review, ensuring adherence to policy and regulatory standards.
● Consistently ranked among the top three producers, demonstrating exceptional loan origination skills and driving substantial business growth.
● Conducted thorough analysis of personal income tax returns for self-employed borrowers, ensuring accurate loan qualification.
● Built relationships and drove loan originations by leveraging strong telephone sales and customer service expertise. Central Mortgage Co. / Arvest Bank, Little Rock, AR 2011 – 2012 Mortgage Servicing Foreclosure Coordinator
Fostered positive relationships with borrowers, investors, external vendors, realtors, and bank employees, handling sensitive financial discussions with professionalism and tact. Engaged in mediation hearings, working towards resolutions that balanced legal and financial requirements. Contributed to the efficient management of foreclosure accounts while maintaining strong working relationships with all stakeholders and participating in critical mediation efforts. Key Contributions:
● Processed invoices related to attorney fees, property inspections, appraisals, and property preservation services, ensuring prompt payment and accurate record-keeping.
● Compiled and submitted foreclosure bid instructions, obtaining necessary approvals from government agencies, investors, and insurers before forwarding to attorneys.
● Prepared foreclosure referral packages for attorneys, ensuring compliance with established guidelines and monitoring progress throughout the foreclosure process.
● Minimized risk and reduced potential loss exposure by managing the timely and precise processing of foreclosure accounts.
● Calculated reinstatement and payoff amount for defaulted loans, ensuring accuracy and compliance with financial protocols.
Bank of Little Rock Mortgage, Little Rock, AR 2008 – 2010 Loan Officer
Spearheaded sales and marketing efforts for the bank’s residential loan products, driving awareness and increasing market penetration. Evaluated and structured tailored financial solutions for prospective and existing clients, ensuring alignment with their specific needs. Assessed loan applications and meticulously analyzed creditworthiness, ensuring sound lending decisions.
Key Contributions:
● Cultivated a robust referral network by delivering exceptional client follow-up and outstanding service, resulting in increased business opportunities.
● Developed and implemented targeted mortgage marketing strategies, achieving production goals and exceeding expectations.
● Successfully drove loan sales and developed lasting business relationships, contributing to growth of bank’s mortgage portfolio.
● Ensured proper loan qualification by conducting detailed analysis of personal income tax returns for self-employed borrowers.
● Established relationships with realtors/builders, proactively marketing loan products and expanding bank’s business footprint.
Additional Experience
Loan Officer, Wells Fargo Home Mortgage, Little Rock, AR REO Specialist, Crye-Leike Realtors, REO Division
Loan Officer, Cornerstone Mortgage Center, Inc. Little Rock, AR Office Manager, Boucher & James Engineering firm, PA Page 3 3
Inside Sales Representative, Johnson & Chapman, Inc. Houston, TX. Assisted Senior Purchasing Agent, Houston Lighting & Power Education
Major in Business & Accounting – Louisiana State University, Shreveport Major in Business and Accounting – Sam Houston State University Major in Business & Accounting, Minor in Communications– University of Houston Licenses & Certifications
Licensed Realtor in Pennsylvania for 8 years.
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