Kristian Torkel Email & Phone Number

Orlando, Florida, United States

• Process an average volume of 15 loans a month from origination to pre-closing.
• Determine borrower’s creditworthiness by gathering, verifying, and analyzing necessary financial informationincluding credit reports, qualifying ratios, income and expense data, employment histories, and property values.
• Work collaboratively with internal/external teams: borrowers, loan officers, underwriting, title, and insurance agents.
• Order and review appraisals, title commitments, insurances to ensure loan files are complete and accurate to satisfy underwriting conditions per program guidelines (Conventional, FHA, VA, Lot, Construction-Perm.
• Proactively identify and mitigate potential issues to meet target closing and lock expiration dates.
• Remain knowledgeable of all State and Federal lending and documentation regulations as well as Bank policies and guidelines ensuring compliance.

West Palm Beach, Florida Area

• Processed members deposits, withdrawals, cash advances, loan payments, and loan payoffs.
• Verified member’s, ATM, and bank vault transactions for daily reconciliation into proper end of day reports.
• Provided industry leading customer service and developed strong relationships with members.
• Identified and promoted products to meet each member’s needs; maintained cross-sell ratio and transaction count.

Orlando, Florida Area

• Utilized information given by Winn-Dixie to create a solution to increase their sales in hydration products.
• Our proposed solution, among hundreds of entries, was selected to compete in the semifinals.
• Presented to a panel of judges, including members from Winn-Dixie corporate leadership.

Bachelors Of Science In Businnes Administration, Finance, General

Activities and Societies: UCF Young Investors Club

Associate Of Arts (Aa), Accounting And Finance