Rachelle M. Mitchell Email & Phone Number

Bellevue, Wa, Us

United States

Federal Way, Wa

United States

Greater Seattle Area

• Review approval conditions and resolve conditions or issues that may arise in the closing process of the loan.• Educated on TILA-RESPA Integrated Disclosures (TRID).• Knowledgeable of loan products VA, FHA, Jumbo, Conventional and State Bond.• Develop relationship with low to moderate housing agencies.• Coach and educate low to moderate income borrowers.• Knowledgeable in all aspects of quality assurance and regulatory compliance.• Consult customers using my knowledge of loan products and policies.• Capitalized on future and cross-sell opportunities with prospects.• Originate consumer and Mortgage loans while cross selling bank products.• Provided mentoring, sales coaching, and problem resolution to colleagues.• Primary point of contact for borrowers, processors, and underwriters.

• Conducted onsite operational and compliance risk review of the Home Mortgage Retail branches and team members.• Coached team members on appropriate policy and procedure guidelines. • Consistently review standard work processes and procedures, as well as methodology relating to interview script.• Accurately assess risks and controls through observations, loan file reviews, and interviews.• Exhibiting appropriate judgment regarding issue severity and escalation process.• Identify systematic and/or procedural risks in areas of compliance, process adherence, company policy, and operational risks.• Assisted the branch management in developing sustainable, customer focused action plans.• Communicate inspection findings, at both the branch and regional levels in a group meeting at the close of each review.• Generate final branch inspection report and update company share point as well as maintain databases with the inspection results and documentation.• Work in a team environment, supporting and building relationships with colleagues.

• Consult and educate customers using my knowledge of loan products and policies.• Work within a partnership of Home Mortgage Consultants while ensuring timely loan closings.• Collaborated with different departments to identify and resolve issues impacting sales production and the sales process.• Maintain a large pipeline of loans and exceeding sales goals.• Primary point of contact for borrowers, processors, and underwriters.• Review approval conditions and solve any problems or issues that may arise in the closing process of the loan.

• Evaluate applicant’s background information including Credit and Employment history.• Provide and discuss initial disclosures with clients.• Attend loan signings and explain legal documents to clients.• Educate clients on lending and pricing options. • Knowledgeable in all aspects of quality assurance and regulatory compliance.• Coach and mentor clients to prepare them for home ownership. • Develop and nurture Realtor relationships. • Deepen relationship with clients after loan closing by follow-up to ensure satisfaction.

• Developed & implemented sales tools, resources, & training to assist front line employee development.• Provided sales development & support to the Retail Branch Network, with a focus on front line employees.• Coach branch management to strengthening customer relationships.• Program Manager for $1.6M web based sales training. • Designed and implemented sales websites.• Designed and developed instructor-led courses and online resources for approximately 20,000 employees. • Facilitated Train the Trainer Workshops.• Wrote training video scripts and consulted during video production.• Created a wide variety of product and sales resources for retail employees.• Provided performance expectations and feedback to trainers. • Partnered with management to communicate policy and procedural updates.• Developed and maintained comprehensive training programs and manuals for all front line employees. • Provided sales development and support to the entire Retail Banking Distribution Network of 2,230 branches. • Successfully managed multiple vendor relationships to deliver timely and quality training courses.

• Originated residental loans as well as cross sold banking products.• Provided mentoring, sales coaching, and problem resolution to colleagues.• Conducted a diverse weekly team meeting which included; team building exercises, selling techniques, coaching and developing with reviewing incoming client’s calls and roundtable discussions.• Knowledgeable in all aspects of quality assurance and regulatory compliance. • Communicated policy and procedural updates to colleagues.• Knowledge of loan products and policies for 45 states.• Organized and managed calling campaigns to establish new customer relations.• Responsible for all aspects of loan processing and funding.