Elizabeth Seaboch Email & Phone Number

Georgetown, Tx, Us

United States

Relationship Manager / Inside Sales / Account Manager

United States

Act as the central contact for our customer base.Originate quality mortgage, commercial, and consumer loans by assessing customer financial information and determining eligibility.Implement effective sales strategies to drive revenue growth and exceed targets. Utilize customer relationship management techniques to build and maintain strong partnerships with clients, manage key accounts, and maintain strong relationships through excellent communication and service.Forge strong relationships with customers, external sales team, and internal departments.Drive sales through regular customer meetings, identify new opportunities, and close sales cycles successfully.Actively manage customer maintenance and support renewals through a defined process and customer engagement, focusing on expanding the business relationship.Identify and capture new sales opportunities, moving them effectively through the sales pipeline.Provide timely updates to customers and all relevant parties.Participate in team meetings to stay updated on product changes and business strategies.Collaborate with Outside Sales, customers, vendors, and our internal teams through conference and team calls.Handle customer inquiries proactively, resolving issues promptly and ensuring customer satisfactionScale referrals to drive revenue growth and exceed targets.Promote cross-selling of diverse product offerings to increase sales and customer satisfaction.Utilize customer relationship-building and management techniques to build and maintain strong client partnerships and increase customer retentionCompetencies: FNMA FHLMC Conventional Mortgages, FHA VA USDA Government mortgages, Bond DPA - TSACH TDHCA SETH E-housing and California Non-QM, consumer loans, Sales, cross-selling, communication, empathy, emotional intelligence, account management, banking

Georgetown, Texas, United States

• Attained level II certification within 30 days from hire and progressed to preparing level 5 personal tax returns by the end of the season (In less than 4 months)• Named “Service Champion” by providing genuine care and personalized attention to each client’s tax situation.• Exceeded goal of completing 30% of tax returns using virtual tools, by closing 40% of clients using technology.• Surpassed productivity metrics by filing 260% of the tax returns expected of a 1st-year tax preparer.• Improved customer satisfaction by reducing clients’ stress, and delivering accurate, timely, and genuine service both, in the office and through virtual interviews, which resulted in almost instant reciprocity and referrals.• Scaled the traffic of Spanish Speaker clients in the Georgetown location by 50% by making available bilingual services. • Maximized refunds and reduced tax liability for all clients advocating on behalf of all taxpayers and inspiring confidence through research and the use of all available resources.• Learned how to navigate CRM (Work Center and Appointment Manager) and Blockworks within 2 weeks of hire.

Atlanta, Georgia, United States

Wholesale and Correspondent Channels-Reviewed mortgage loan applications for various products FHA USDA RD VA Fannie and Freddie Conventionals -Increased speed and efficiency of “Cleat to Close” resubmissions by prioritizing them to early in the morning to allow business partners time to update and/or correct minor items. -Evaluated 2 to 4 new mortgage loan applications, 3 to 5 full sets of conditions, and 3 to 4 partial sets, all within turn-time agreements. -Examined complex income documentation, including personal and business tax returns, ensured loan applications met minimum credit requirements, program guidelines, investor requirements, and federal regulations; issued credit decisions and communicated clearly and effectively with sales partners Competencies: FHA DE, USDA/RD, Conventional Fannie and Freddie, Down Payment Assistance (DPA) programs, Manual Underwriting, Automated Underwriting System (AUS), Desktop Underwriting (DU), Loan Prospector (LP), Guaranteed Underwriting System (GUS), effective verbal and written communication, minimal supervision, excellent time management, ability to handle a high volume, correspondent, and wholesale channels

Texas, United States

Retail Channel: Evaluated residential mortgage loan applications and issued credit decisions in a variety of different products: FHA USDA RD Fannie and Freddie Conventionals DPA Bonds and MCC’s. Fast tracked SAR LAPP underwriting designation. Reviewed credit history, income and employment history, asset documentation, and appraisals to determine overall credit risk of each application and determined whether it met minimum credit requirements for program requested. Assessed patterns of savings and spending, along with stability of income/employment, history of homeownership, solidity of collateral, along with exposure by lending institution, and made decision indicating whether credit risk of application was acceptable. Issued conditional approval on each of the transactions indicating necessary items to be provided for review to meet secondary market requirements for salable credit file. Reviewed all items provided for conditional approval, and either proceeded to Final approval / clear to close or communicated with sales and operations about new discoveries made while reviewing documentation provided. Provided guidance as to whether additional requirements would be added based on discovery to proceed as approved or whether alternative product/program would need to be considered.

Austin, Texas Metropolitan Area

•Evaluated residential mortgage loan applications and issued credit decisions in a variety of different products: FHA USDA RD Fannie and Freddie Conventionals and Non-QM productsReviewed complex income documentation for High-Net-Worth Individuals, Personal and Business tax returns for Self-employed borrowers, and assessed business status for liquidity, stability, and profitability• Strategized with the VP of Residential Lending and Underwriting Manager to handle the unprecedented volume. Reviewed 5 to 7 new Conventional files on a daily average• Competencies: Conventional Fannie Mae (FNMA) and Freddie Mac (FHLM), Non-Conforming, Jumbo, Bank Statement Non-Prime and Non-QM portfolio products, Texas Cash out’s 50(a)(6) Salable and Portfolio, Texas No-Cash outs 50(f)(2), Retail, Wholesale, and Correspondent Channels

Austin, Texas, United States

Assessed residential mortgage loan applications for FHA, USDA / RD, DPA’s, Bonds, and Conventional (FNMA & Freddie Mac) conforming and non-conforming loans and verified whether MCC’s were applicable and acceptable for each loan type based on secondary market credit requirements. DHI mortgage is a division of DR Horton, therefore 99% of applications submitted new construction. Evaluated credit risk manually and using Automated Underwriter System for each program, product, and GSA. 75% of my reviews were FHA loans, with a good 50% of these using some form of down payment assistance or Bond program from a local HFA. Calculated qualifying income per standard guidelines and also, annual and household income as stated by the HFA. Determined whether each application met minimum credit requirement based on parameters established by product requested and verified guidelines set by GSA, Investor and HFA were met for each loan application. Evaluated credit history, income and employment stability, assets pattern of savings and spending, and collateral solidity and determined whether risk was acceptable. Issued Conditional Approval with detailed list of requirements and reviewed all documentations submitted to meet the conditions required. Issued Final approval if all conditions were satisfactory. If documentation provided lead to unaddressed items relevant to the transaction, provided guidance to sales and operations to address items which had resulted from discovery. Trained under VP of Loan Resolutions / licensed Fraud Investigator for a 6-month project to clear any deficienficy, potential misrepresentation, and fraud findings. Resolved all government findings within established time frames. Consulted with VP of resolution and devised strategies to handle files which had potential for repurchase. Contacted all parties involved, tactfully and judiciously and secure any missing documentation needed to cure all deficiencies.

Work with team of volunteers providing instant translation services for Christian Center with over 6,000 membersRead in Spanish text cited by congregational leaders Instant interpretation for musical performances and guest speakersProvide instant interpretation, both literal or ideological

Austin, Tx

Evaluated mortgage loan applications using credit analysis parameters recognized as industry acceptable. Issue credit decisions on portfolio and salable, conventional, conforming, non-conforming and Jumbo loan applications. Reviewed 1st and 2nd liens. Verified all transactions met regulatory requirements by the state of Texas, Federal regulations, investors and credit committee. Evaluated and wrote a summary of credit analysis for each portfolio file whose risk was found acceptable but which might be just outside the written parameters and submitted recommendation to Credit committed and members of the Board for review. Examined complex income documentation from High Wealth individuals along with regular income earners. Assessed each transaction according to the program requested, evaluated risk and issued decision subject to meeting requirements. Reviewed documentation obtained to meet conditional approval and issued Final approval if requirements met. If documentation led to additional, relevant discovery, addressed all findings with sales and operations and provided guidance on items needed to clear discovery to proceed to closing

Undergraduate, Finance, General

Lapp / Sar, Va Certification

Fha Direct Endorsement Underwriting

Finance And Computer Science

Bachelor Of Applied Science - Basc, Cybersecurity