Heather Laing Email & Phone Number

Conventional and DE authorities

Lakewood, Co

Lakewood, Co

Denver, Co

•Analyzes applications and credit report profiles to make sound lending decisions for mortgage refinances.•Provided meticulous attention to detail in underwriting mortgage refinances. Evaluated the financial strength of borrowers to determine risk and repayment capacity.•Reviews income from wage, passive and self employment income. Analyzes the tax returns of applicants to ensure correct income calculations are appropriately applied to loan applications of self employed borrowers and non taxable income sources. •Consistently delivers quality refinance credit files with consistent acceptable audit results. Received a quality award for 100% acceptable audit results in the first quarter of 2013.•Achieves high production of funded loans and low days to funding.•Demonstrated excellent follow-through with borrowers, loan processors, loan originators and management throughout all phases of the underwriting process.•Obtained knowledge and ability to review applications and credit profiles for files under the Home Affordability Refinance Program.

•Manage approximately 20 different client accounts each day. Serve as teller, banker and loan officer to fulfill clients’ financial needs. Utilize teller transactions to evaluate and identify financial needs beyond what they currently have. •Regularly achieve awards for high sales. For 2009 ranked in the top 10% of the in-store division, of approximately 600 bankers. Also receive awards for high customer service scores.•Plan and execute sales campaigns for our district beyond the company initiated campaigns. Duties include designing outlines for results and rewards, tracking charts, and executing daily conference calls to gather numbers and motivate the district consisting of approximately 16 branches.•Assume management role in the absence of the branch manager. •Manages 2-3 bank employees to ensure their roles and tasks are completed in an efficient manner. •Prepares sales numbers and attends 2+ manager conference calls for district, regional and company wide conference calls and meetings. •Was selected and graduated from a year-long leadership course composed of 20 bankers from the state of Colorado. Learned financial and leadership skills for within the bank as well as in any management or leadership role.•Planned and executed presentations to branch, district and regional audiences. Utilized information available and researched topics to put together an effective Power Point presentation

•Provided individualized shopping experience for each customer. My ability to provide an excellent shopping experience, increase sales, increase customer loyalty and maintain a neat and orderly sales floor allowed me the ability to take on further tasks. •Responsible for the entire non-apparel department. Planned and executed corporate directives for appearance and placement of non-apparel while keeping the department fully stocked. Maintained the visual displays for apparel and non-apparel departments. The high standard created in apparel and non-apparel visual displays increased the standard for the entire district and increased sales over previous years.•Assumed management role in the absence of a manager. Oversaw 3-5 employees at one time ensuring the smooth operation of the retail store. Planned the efficient placement of each employee in proper places in the store.

•Brand Rep: Responsible for a positive shopping experience for girls and their parents. Executed corporate directives for the display of merchandise. My exemplary performance in this role allowed me the promotion to Lead Brand Rep.•Lead Brand Rep: Performed Brand Rep tasks while learning the management role in the store and how to effectively run the store. •Reinstated and ran the Girl Scouts programs which introduced young girls about the retail business. This program was not previously offered at this location therefore I took the basic information provided by the company to create an engaging and informative program for the girls that participated.•Assistant Manager: Managed 2-3 sales associates to ensure that the store is efficiently run while increasing sales. Responsible for opening and closing the store; including cash handling and sales reporting. Trained new hires on cash register, sales and customer service.