Jennifer Kossman Email & Phone Number

Chicago, Il, Us

Reporting to the Sr. Vice President, Lending, and responsible for promoting and developing business through strong referral base with realtors, builders, and brokers to generate and originate residential mortgages. Review and verify financial documents, credit reports, and real estate appraisal reports to regulate requirements of company policies and procedures, Federal and State Laws, processing and mortgage products offered.Selected accomplishments include:● Promoted to AVP based on team leadership, trained and cultivated 12 Branch Managers on the intricacies of the whole mortgage process, Closed $6.1 million, the most loans in IL in 2016.● Achieved aggressive sales goals, recognized as one of top producing sales managers in loan production. Won Presidents Club Trip and Leaders Club all 4 Quarters for 2016.● Collaborated with Sales Support team (Disclosures, Processing, Closing, Funding, Post-Closing) to warrant loan effectiveness. ● Trained internal teams to manage loan pipeline to effectively increase and prioritize production. ● Provided underwriting with complete and accurate loan applications in timely manner with less than 5% error rates.

Reported to the Vice President, Lending and responsible for evaluating loan applications to ensure financial strength and credit worthiness by borrower. Discuss financial options and provide guidance on different loan products with prospects.Selected accomplishments include:● Promoted to Lending Manager and Officer based on successfully closing 8-12 mortgage loans with a $450k volume each month● Recognized for high level of customer service and exemplary understanding of customer needs. ● Won Presidents Club in 2010, ranked 3rd highest in lending contest● Upsold all existing and new loan customers into various retail bank products, personal and business● Converted sales leads from retail branch managers into appropriate 1st mortgage or equity line products● Effectively managed and trained loan officers to ensure all aspects of originating, underwriting, and closing loans within compliance and government guidelines for $70M mortgage portfolio● Calculated income including front / back debt-to-income ratios, reviewed appraisal reports, titles, and financial statements.

Reported to the Lending Manager and responsible for assisting in developing new business referral sources.Selected accomplishments include:● Assisted Lending Manager in developing new business referral sources to maximize profitability in mortgage portfolio by making sales calls, creating and developing relationships with realtors.● Gathered information to process new and existing loan applications originations and to prepare files for submission to underwriting for final approval.

Reported to the Credit Union Manager and responsible for: ● Handled cash / check deposits, processed loan payments, opened new accounts● Maintained proper daily records of monetary transactions and balances in the bank● Performed cash management, customer service