Carol Jones Email & Phone Number

Lagrange, Georgia, Us

Charlotte, North Carolina, Us

• Originated and processed Construction, Agency and Government mortgages to ensure compliance with investor guidelines, bank everlays, state and federal regulations• Audited income, asset and credit documentation to verify compliant with program requirements• Conducted monthly coaching sessions to educate branch teammates on mortgage products and trends• Collaborated with internal and external stakeholders to coordinate all stages and components of the loan transaction

Jonesboro, Ga, Us

• Managed the acquisition of all new consumer banking products; oversaw the research, testing, training, and deployment• Utilized the bank’s CRM platform for data mining purposes to create sales reports and perform customer analysis • Managed vendor relationships; responsible for obtaining SSAE16 and other compliance documents for initial approval and annual due diligence review • Participated on the Asset Liability Committee; monitored and reported deposit and loan activity to identify effects on balance sheet fluctuations• Collaborated with the ad agency to design and implement the Bank’s strategic marketing plan to support and achieve corporate goals• Reviewed, edited and approved all marketing materials, advertisements, press releases and internal communications to ensure compliant, consistent with the Bank’s brand and corporate identity • Created and managed the corporate marketing budget; monitored and approved all expenditures from executive to retail levels

Atlanta, Georgia, Us

• Evaluated and decisioned all consumer credit applications for the 4th largest credit union in Georgia consisting of 25 retail branches and call center • Manually underwrote non-conforming loans on an exception basis by assigning an appropriate loan structure and pricing to mitigate risk• Audited credit applications to ensure compliance with internal policies and procedures as well as state and federal regulations• Trained new loan officers and served as mentor to all lenders throughout the branch network and call center

Raleigh, Nc, Us

• Manually underwrote and decisioned all broker referred equity mortgage products, lot and bridge loans in a 6-state region using investor guidelines with bank overlays• Analyzed all loan documents and financial statements for completeness, accuracy and authenticity to ensure compliance with bank policy and real estate lending regulations • Served as key resource to mortgage brokers, account managers and retail lenders regarding policy clarification and underwriting guidelines• Participated on special projects team to develop and implement loan policies and procedures