Liaison between the borrower, loan officer, underwriter, and closer to ensure a smooth transaction while adhering to federal and state compliance. • Analyze the borrower’s financial profile, including income, assets, and credit to ensure they meet the selected mortgage product’s guidelines and eligibility requirements, prior to submitting to underwriting• Examine credit and fraud reports to look for red flags that indicate possible borrower fraud• Identify missing information so that a loan can be cleared to close• Selected as a PrimeLending Decision Certified Processor (DCP), granting authority to clear certain conditions without underwriting over-sight (DCP awarded to select processors with low number of underwriting conditions per file, high volume of loans processed, and few post-closing exceptions) • Act as the sole, non-management administrator supporting a branch level support and knowledge base platform to assist loan officers and processors• Act as back-up to the branch operations manager when unavailable or out of the office• Create strong working relationships with third party companies, such as title and insurance

Responsible for setting up new loan files before submitting them to a loan processor• Ordered title work, verifications of employment, appraisals and evidence of insurance• Cleared low and medium alerts generated from a third party fraud report• Ran FEMA checks and funding verifications of employment prior to funding• Completed closing and hazard checklists• Added realtor and seller information to the file• Reviewed and entered title work into the loan operating system• Trained new set up coordinators

Responsible for growing and maintaining small business deposit balances, loans, and fee services for seven branches in Charlotte, NC.• Called on non-Wachovia customers to acquire new business• Consulted with business customers to determine financial needs and matched those needs with Wachovia’s business products and services• Utilized personal and business financial statements to help determine the best course of action for borrowing needs• Teamed with merchant services and investment specialists to service all aspects of clients’ business

Increased the sum of the branch’s total deposits and loans by four million dollars in a single year.• Increased the branch’s share in a competitive market• Motivated staff to proactively sell to clients using a needs-based approach• Exceeded personal and branch goals• Maintained weekly pipeline and monthly prospect reports to ensure consistent monthly results

Promoted Mellon’s vision to be the best retailer of financial services.• Exceeded branch goals in consumer and commercial deposits, loans, alternate investments, and fee income generation• Managed staff of ten and developed their proficiency through weekly sales meetings, frequent coaching, assigning and reviewing individual goals, and yearly performance appraisals

Learned to envision retail banking as a proactive sales environment and all aspects of managing and growing a retail bank branch.