Housing Counselor
Resume:
Karen Galloway
Morrisville, North Carolina 27560
***********@*****.***
SKILLS PROFILE
Clear knowledge of: credit, mortgage lending, pre-foreclosure, finance, sales and insurance.
Excellent verbal and written communication skills
Proven record of meeting targets and closing deals
Strong attention to detail
EMPLOYMENT HISTORY
Certified Housing Counselor Manager
Durham Regional Financial Center, Durham, NC 2008 – present
• Conduct comprehensive overview of clients’ financial situation
• Assist client with creating a spending plan
• Educate client on using available resources to meet priority expenses and support financial goals
• Review debt obligations, including an analysis of the credit report
• Provide a recommended course of action relevant to the clients’ particular situation
• Utilize training and outside resources to provide advice to clients on complex financial issues
• Provide supervision and leadership to the processing staff
• Direct, coordinate and monitor activities to implement agency policies and procedures
• Conduct monthly Homebuyer Education Workshop
• Meet quantitative and qualitative benchmarks and measurements for counseling
• Respond and resolve client complaints
Certified Credit Counselor
Consumer Education Services, Raleigh, NC 2007-2008
• Provided financial counseling to individuals in debt
• Conferred with clients to ascertain available monthly income after living expenses to meet credit obligations
• Calculated amount of debt and funds available to plan method of payoff and estimate time for debt liquidation
• Contacted creditors to explain client’s financial situation and to arrange for payment adjustments so that payments were feasible for client and agreeable to creditors
• Established payment priorities to reduce client’s overall costs by liquidating high-interest, short-term loans or contracts first
• Provided ongoing counseling for personal and family financial problems, such as excessive spending and borrowing of funds
Mortgage Loan Prequalifier/Loan Processor
Creative Capital Mortgage, Cary, NC 2004 - 2006
• Maintained knowledge of current lender product lines and special products
• Assisted loan officer with determination of loan placement
• Completed lender pre-qualification for conforming and non-conforming loans
• Conducted DU and LP runs
• Prepared and collated submission packages to lenders
• Ordered appraisals, title commitments, mortgage payoffs and payment histories
• Performed all verifications and ordered evidence of insurance
• Obtained conditions for loan closure and communicated them to loan officer
Community Development Officer
RBC Centura, Raleigh, NC 2000 - 2003
• Prepared and presented coursework to educate lower income and credit challenged first time home buyers
• Conducted regional training programs for RBC Sales Staff in the Triangle and Triad on requirements for various loan programs
• Originated mortgage loans to meet the needs of low to moderate income buyers
• Conducted DU and LP Runs
• Prepared and collated submission packages to lenders
• Coordinated closings with real estate attorneys and closing departments
• Maintained and managed monthly pipeline
• Researched and established credit enhancement/financing programs for affordable housing Performed all verifications and ordered evidence of insurance
• Created and maintained community and affordable housing network relationships
EDUCATION
Lincoln University, Jefferson City, MO 1979 – 1981
Completed coursework in Business Administration
Contact this candidate