Mary Jo Smith
Old Hickory
Summary
Highly-motivated employee with desire to take on new challenges. Strong work ethic, adaptability, and exceptional interpersonal skills. Adept at working effectively unsupervised and quickly mastering new skills. Dedicated and adaptable professional with a proactive attitude and the ability to learn quickly. Eager to contribute to a dynamic team and support organizational goals. Proactive and versatile professional with a dedication to quickly adapting to new challenges. Strong problem-solving abilities and a proven track record of fostering strong relationships with clients and team members. Focused on supporting team success and achieving positive results.
Overview
10
10
years of professional experience
1
1
Certification
Work History
Loan Officer
CMG Financial
Hendersonville
06.2015 - Current
- Evaluated loan applications for accuracy and completeness.
- Guided clients through loan options and processes.
- Collaborated with underwriters to assess risk factors.
- Maintained compliance with federal and state regulations.
- Developed relationships with real estate agents and referral partners.
- Assisted clients in gathering necessary documentation for approval.
- Processed loan closings and ensured timely funding procedures.
- Provided ongoing support and communication throughout the loan lifecycle.
- Educated customers on variety of loan products and available credit options to promote valuable decision-making.
- Developed and maintained relationships with potential customers to increase loan business.
- Delivered high levels of customer service to facilitate smooth processes.
- Reviewed loan agreements to confirm completeness and accuracy.
- Answered customer inquiries involving rates, products and loan application status to facilitate quality customer service.
- Recommended loan approvals and denials based on customer loan application reviews.
- Reviewed credit histories, income statements, and other financial information of loan applicants.
- Approved or denied loan applications based on established guidelines.
- Performed daily maintenance of loan applicant database.
- Provided customer service support throughout the entire process from application through closing.
- Explained various types of loans available to customers and their associated terms and conditions.
- Approved loan within specified limits or referred to appropriate approval level.
- Responded promptly to customer inquiries regarding their accounts or other matters related to consumer lending operations.
- Met with applicants to obtain information for loan applications and answer questions about process.
- Processed payments received from borrowers in accordance with established policies and procedures.
- Executed loan origination process and ordered credit reports, appraisals and preliminary title reports.
- Developed and maintained knowledge of available loan products, processing procedures and underwriting and general departmental guidelines.
- Maximized company profitability with appropriate pricing of new loan originations, fee income and selling of products and services.
- Maintained current knowledge regarding new laws, regulations, policies, procedures, products, services. related to consumer lending operations.
- Managed pipeline for originated loans through closing and complete required management reports.
- Conducted risk analysis to identify potential losses associated with certain loans.
- Identified opportunities for cross-selling additional products and services.
- Counseled clients on debt management and repayment plans.
- Interacted with underwriters, appraisers, title companies. during the processing of a loan application.
- Obtained and compiled copies of loan applicants' credit histories, corporate financial statements and other financial information to update credit and loan files.
- Participated in community events to promote bank's consumer lending services.
- Assisted in the development of new products and services for loan customers.
- Built referral business by meeting with local financial planning, home builders and real estate professionals.
- Informed customers of loan application requirements and deadlines.
- Approved or denied loan applications and explained reasoning behind decisions.
- Helped customers make decisions about loans and lines of credit based on availability, terms and benefits.
- Met with applicants to obtain information for loan applications and answer questions about processes.
- Collaborated with company teams to expedite loan approval processes.
Education
High School Diploma -
Little Falls High School
Little Falls06-1987
Skills
- Client counseling
- Problem solving
- Community engagement
- Documentation review
- Customer relationship management
- Good Telephone Etiquette
- Calm under pressure
- Customer service
- Computer skills
- Verbal communication
Certification
- Mortgage License/banking
Accomplishments
- Yearly awards for exceptional sales
Affiliations
- Running, biking, reading, and spending time with family and grandkids
Home Healh Aide
- On a PRN basis I help a cancer patient with daily living skills, such as cooking, cleaning, showering, medication, exercise, and reading/writing.
References
References available upon request.
Timeline
Loan Officer
CMG Financial
06.2015 - Current
High School Diploma -
Little Falls High School
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