Loretta Curtis
Resume:
Loretta D. Justice-Curtis
Richmond, Virginia 23223
***********@*****.***
Summary: Seasoned mortgage and financial services consultant, dedicated to providing a broad range of lending services, credit guidance and banking assistance.
EDUCATION
University of Maryland
Princess Anne, Maryland
Bachelor of Arts/Sociology
PROFESSIONAL EXPERIENCE
Sr. Mortgage Banker
Aggressive Mortgage, Richmond, VA/C&F Mortgage
2003 – Present
• Provide guidance to prospective loan applicants which may include determining
most appropriate type of loan for a particular customer and explaining specific
requirements and restrictions associated with the loan.
• Originate FHA, VA, Conventional Conforming and Non-Conforming, Alt-A andB/C Subprime
• Facilitate the lending by find potential client and assisting them in applying for loans. Gather personal information for loan application, reference checks, and applicant credit reports, background checks, and appropriate credit documentation to evaluate loan applications; analyzes applicant’s financial status, credit and property evaluation to determine feasibility of granting loan; and corresponds with or interviews applicant or creditors to resolve questions regarding application information.
• Assist Mortgage Processor to compile loan package and facilitates negotiation with applicant according to established standards, such as fees, loan repayment options, and other credit terms; refers loan to underwriting for approval; ensures loan commitment is complete and accurate according to federal guidelines; assures timely loan closing and funding activities.
• Stay abreast of and utilize government programs when deemed necessary to meet customer’s credit needs.
• Assist customers with inquiries and information request; resolve complaints relating to loan products and services offered
• Establish and maintain positive working relationships with lending institutions, brokers, builders, CPA’s, attorneys and other organizations to provide information regarding lending programs and policies.
Administrative Manager
Vernon J. Harris Health Care Ctr., Richmond, Virginia
2000 – 2003
• Serves as assistant to the Director and supervised staff of 12 persons while fostering positive working relationships
• Perform all payroll functions; maintain all personnel files as well as vendor files; maintain accurate attendance and leave balances, negotiate benefit rates, and manage healthcare plans
• Distribute and record all notices from the Executive Director’s office
• Negotiate and award all contracts/contract tracking
• Served as liaison between Executive Director and staff as well as grievance resolution officer
• Maintained credentialing files on physicians and assured compliance of healthcare codes and regulations while exercising confidentiality
• Maintained building licenses/certifications; assisted in JACHO accreditation process
• Supply and equipment procurement for facility
• Contracts, grant & foundation proposals preparation, budgets & reports
• Prepare itinerary and attend all board meetings
• Business travel as requested
Administrative Assistant
American Cancer Society, Glen Allen, VA
1998 – 2000
• Coordinated meetings; train office volunteers
• Collected, organized, and disseminated information
• Prepared interstate/intrastate correspondence
• Assisted with preparation of fund raising events
• Performed back-up operations/file restorations; assisted with creation of databases
• Generated travel vouchers
SKILLS AND TRANIING:
Proficient in Microsoft Office Word, Outlook, Excel, Access & Powerpoint
Formerly trained in Lotus, Byte, and Point programs
Trained in VHDA and FHA compliance
REFERENCES FURNISHED UPON REQUEST
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