Stephanie Royal Email & Phone Number

Providence, Rhode Island, United States

East Providence, Rhode Island, United States

• Provides borrowers, referral partners, and financial institutions with mortgage services; ~$177M revenue, and 700 staff.
• Approved or denied residential mortgage loan applications based on FNMA, FHLMC, FHA, and VA guidelines and company overlays.
• Collected and analyzed credit history, complex financial and legal documents for loan default risk, and other factors.
• Mitigated risk of borrower ability to repay through analysis of borrower financial strength, credit, collateral, and income.
• Completed large workload pipelines with quick turnaround time with quality control.
• Ensured assets met closing requirements and were derived from acceptable sources and at acceptable levels.

Providence, Rhode Island, United States

• Provides retail and business banking, credit cards, mortgage, student and auto loans; 1,0008 offices, $6B revenue, 18,000 staff.
• Advised high-net-worth clients on banking, lending, investing, and financial planning.
• Co-developed customized financial plans in collaboration with a world-class team of wealth partners.
• Provided personal financial counseling, assisted with lending services, and built relationships with existing customers.
• Utilized a defined sales process to sustain high satisfaction ratings and retention.

Warwick, Rhode Island, United States

• Managed sales of home lending products, including mortgages, home equity loans, and lines of credit.

Providence, Rhode Island, United States

• Provides investment banking and financial services; $155B revenue and 15,000 staff.
• Managed and grew financial portfolios of ~200+ high net worth clients and built successful customer relationships.
• Delivered exceptional service, identified customers’ needs, and recommended investment, deposit, and credit solutions.
• Grew portfolio asset size by 207% in the first year. Awarded Top Producer, Premier Client Manager for 2016.

Lincoln, Rhode Island, United States

• Provides financial planning, investment advisory, wealth management, and brokerage services; $14B revenue, ~15,000 staff.
• Advised retail client investors on financial products, education, tools, and how to use the asset trading platform.
• Increased new clients, enterprise assets, customer relationships, value-added opportunities, and uncovered assets.
• Identified, targeted, and captured client accounts with assets valued at $1M+.
• Consistently met the $8M quarterly goal in new enterprise assets, averaging 120+ yearly trades.
• Recognized as Top Performer, Client Relationship Team in 2015.

Providence, Rhode Island, United States

• Provides wealth, education, retirement, investment, financial, trust, estate, and business planning; $31B revenue, 6,700 staff.
• Compiled financial profiles, advised clients, and made strategic product, plan, and investment recommendations.
• Generated new business through effective networking and lead generation to acquire qualified referrals.
• Analyzed market trends and financial news, educated prospects and clients, generated new business, and boosted revenue.
• Trained, informed, and delivered wealth-building presentations to groups of up to ~200 consumers and business owners.
• Created comprehensive financial plans, illustrated shortfalls in goal attainment, and mitigated potential risks.

Warwick, Rhode Island, United States

• Provides financial planning services, investment advisory, and brokerage services; $11.6M revenue and 200 staff.
• Created personalized financial plans, assisted clients in achieving financial goals, and limited risk exposure.
• Generated new business through a disciplined networking process and lead generation to acquire qualified referrals.
• Wrote and distributed a monthly financial newsletter to 350+ prospects and clients.
• Increased assets by $2.7M through the development of an independent marketing campaign
• Co-authored a financial column in a regional magazine within the targeted market.

Warwick, Rhode Island, United States

• Financial firm that underwrites and originates its mortgages to homebuyers.
• Authorized and underwrote loans, reviewed and verified loan applications and supporting documentation.
• Analyzed loan risk, requested additional information, and prepared assessment reports.
• Reviewed borrower ability to repay through detailed analysis of credit, income, and collateral.
• Ensured loan packages met lending guidelines, achieved a high loan-closing ratio, and reduced delinquency rates.

Warwick, Rhode Island, United States

• Institution that funds mortgages and offers them to third parties like banks, credit unions, mortgage brokers, and companies.
• Developed relationships with retail mortgage brokers across New England.
• Managed underwriter loan packages, achieved high closing ratios, and generated $3M to $5M monthly in secured loans.
• Recognized as Top Producer in 2002 and 2004.