Natalie C. Email & Phone Number

Northridge, Ca

• Prospect for potential clients through various channels such as cold calling, networking, and referrals • Conduct consultations with clients to determine their needs and preferences• Show properties to potential buyers and renters• Create and distribute marketing materials for properties, including online listings, brochures, and advertisements• Coordinate open houses and property tours to showcase listings, property inspections, appraisals, and closing processes• Utilize social media and digital marketing strategies to attract potential sellers, buyers and renters• Conduct comparative market analysis (CMA) to determine property values• Guide clients through the process of buying, selling, or renting properties• Prepare and review purchase agreements, leases, and other contracts• Maintain regular communication with clients to provide updates and ensure satisfaction• Address client concerns and negotiate on their behalf• Build and maintain a network of contacts to facilitate future business opportunities• Ensure compliance with real estate laws, regulations, and ethical standards• Coordinate with lenders and other professionals involved in transactions• Utilize real estate software and CRM systems to track leads, manage client interactions, and organize transactions• Attend industry events, seminars, and training sessions to stay current on market trends and best practices• Collaborate closely with lenders to facilitate seamless transactions and leverage knowledge of diverse loan programs to benefit clients• Provide exceptional customer service to build long-term relationships with clients.• Follow up with clients after transactions to ensure satisfaction and obtain referrals• Participate in team meetings and contribute to group goals and initiatives

Northridge, Ca

• Handle incoming calls, emails, and correspondence• Maintain client databases and ensure accurate record-keeping• Coordinate inspections and other aspects of the transaction process• Compile comparative market analysis (CMA) reports for properties.• Follow up with clients after transactions to ensure satisfaction and obtain feedback• Participate in training sessions and workshops to enhance skills and knowledge• Collaborate on special projects and initiatives as assigned

Remote

• Manage individual pipeline daily by completing new underwriting reviews, condition reviews and other underwriting tasks within established turn times.• Ensure loans are underwritten in accordance with underwriting standards, risk management factors, regulations and within expected time frames.• Review and analyze borrower profiles, credit reports, title reports, appraisals, income documentation and assets, including complex business returns and financials.• Structure loans according to lender requirements and credit quality.• Discuss marginal loans with Underwriting Team lead and Sales Manager before suspending or declining file.• Communicate with Underwriting Team lead to inform of any sales, processing, or customer service issues.• Communicate with processing, underwriter, loan officers, funders, post-closing, and production managers to provide updates, structuring, counteroffers, documents, and clarification on outstanding conditions. Solve deficiencies identified on loans, to move files forward quickly.• Review, validate and update loan file data including transaction details, credit liability, income, asset, and property information.• Second signed Underwriting Trainees• Collaborated with team on special projects to facilitate new loan processes

• Underwrite conventional loans (purchase and refinance transactions) from initial submission to final approval• Review financial information and documentation (appraisal reports, income, credit, self-employment information, trust agreements, divorce decrees, etc.)• Assist in providing alternative financial solutions when necessary to ensure loan program is beneficial to the borrower(s)• Effectively communicate with account managers, processors, and mortgage brokers to ensure the timely and accurate completion of loan reviews, while providing excellent customer service• Thorough and comprehensive evaluations of a variety of complex, high-risk mortgage loan applications• Assist with loan programs that include 2nd mortgages for investor(s), TCF Bank

• Review, examine, and underwrite loans to ensure soundness, business value, and compliance with company and investor standards• Determine appropriate recommendations per management and underwriting guidelines• Evaluate data to ascertain loan viability and identify risks and potential fraud• Thoroughly review assets, tax returns, tax transcripts, income documents, preliminary reports, appraisal reports, etc.• Independently conduct full and comprehensive evaluations of a variety of complex, high-risk mortgage loan applications• Maintain current knowledge of market conditions and company lending guidelines• Review and analyze special conditions, loan deficiencies, and exception requests to determine appropriate courses of actions• Communicate effectively with processing and funding teams to ensure accurate and timely completion of loan reviews• Issue loan approvals based on the overall worthiness of borrower(s)• Assist in “hybrid” company loan programs, including second mortgages

Glendale, California, United States

• Underwriting of residential loans• Maintain compliance with company and secondary market investor standards• Review complex financial documents to develop a thorough understanding of applicants• Assess an individual’s credit worthiness while adhering to all regulatory and compliance requirements• Specialized in a full range of loan programs such as Making Home Affordable, Fannie Mae, Freddie Mac, FHA, and other investor and specialty programs• Manage correspondence and follow-through with borrowers, loan processors, loan originators, and management throughout all phases of the underwriting process• Provide meticulous attention to detail in underwriting mortgages and evaluate the financial strength of borrowers to determine risk and repayment capacity

Glendale, California, United States

• Meet face-to-face with clients to discuss existing mortgage and counsel on mortgage assistance programs• Provide support to underwriting team by ensuring timely and accurate processing of mortgages• Review and verify borrower income, credit reports, employment histories, property appraisals, and title insurance information to prepare loan applications for underwriting submittal• Ensure compliance with company policies, underwriting guidelines, and lending-program requirements• Ensured regulatory compliance for private and government investors (SFO, FHA, Fannie Mae, Freddie Mac).• Verified all files were complete prior to underwriting hand-off and coordinated with borrower to ensure accuracy and avoid delays in review

Northridge, Ca

• Build strong relationships with existing customers and bring in new customers• Meet daily sales goals• Keep abreast of bank products and services offered in order to provide customers with tailored sales and service experiences. These products consisted of deposit products such as checking, savings, and certificate of deposit accounts, as well as mortgage and credit card products• Maintain excellent phone etiquette for inbound and outbound calls• Identify potential risks to the bank (e.g., Fraud)

Northridge, Ca

• Lead role in supervising teller line sales• Coach staff on how to achieve service goals• Assist tellers with transaction escalations, approvals, & verification• Manage financial center’s operational integrity• Responsible for banking center audits by ensuring processes and procedures are executed according to bank policy• Responsible for managing financial center when Manager and Assistant Manager were unavailable

United States

• Process teller transactions• Refer bank products to new and existing customers in order to meet quarterly teller referral goals• Assist Teller Coordinator in operational audits