Teri Champlin Email & Phone Number

Salado, Texas, United States

2855 N Main Streeta, Belton Tx 76513

Community Bank President - Commercial Lender

Belton, Texas

Commercial Lender

Harker Heights, Texas

Killeen/Temple/Harker Heights/Georgetown/Round Rock/Liberty Hill, Texas Area

*Experienced in all aspects of the mortgage/real estate loan process including origination., processing, underwriting, closing, post-closing and loan servicing. *Responsible for portfolio mortgage loans, to include construction, lot loans, and ARM long term mortgages, home equity loans and home improvements loans. *Responsible for all phases of underwriting to include real estate analysis and credit analysis.*Responsible for all documentation review and verification to include credit documents, title work, appraisals, surveys, and real estate loan documents. *Meet with customers at their preferred branch and communicate the products available to them. *Provide as much assistance to the customer in the application process as I possibly can to make the process smooth and easy for the customer. *Establish a great relationship with the customer so they can feel comfortable in building or buying their new home. *Qualify the customer and obtain all necessary documentation to support the loan file. *Walk the customer through the entire process from initial loan approval to loan funding. *Provide disclosures to the customer and explain each document as needed. * Work with realtors and builders to ensure that they are kept in the loop and work with them to have a seamless closing. *Assist customers, by attending all customer loan closings. *Be available for customers at all times for any questions and concerns they may have in the loan process.

Killeen/Temple, Texas Area

• High-profile management position responsible for accurately documenting all types of real estate loans to include primary residence, investment, commercial and land development loans.• Responsible for supervision of loan processors to ensure accurate and complete documentation, • Responsible for reviewing and approving all title commitments, loan documentation, plats, and appraisals.• Devise and implement procedures to ensure real estate transactions close in a timely fashion and to ensure all loan processors are fully trained.• Prepare and review reports on the ratio of speculative to custom single family residence loans to ensure the bank is not over extended in the speculative construction market. • Prepare real estate renewal report.• Prepare and review settlement statements.• Prepare and review all RESPA and REG Z disclosures for Primary Residence loans. • Correspond with all local attorneys to ensure Real Estate Lien Notes, Deeds of Trusts and Deeds have the most current Texas Law language to include Property Code 64. • Ensure that the Real Estate Department has a great relationship will all local title companies to ensure customer satisfaction at closing.• Previously responsible for credit analysis and document review under the Loan Review department.

Alpine, Texas

• Researched Property to determine ownership, liens, and abstract of judgments through the county clerk and the title company plant database.• Prepared title commitments for purchases, refinances, construction, land equity closings, commercial closings and large ranch transactions.• Prepared Settlement Statements, and completed customer closings.• Counseled corporate clients and high net-worth individuals with regard to their borrowing needs.• Ordered and reviewed legal documents• Funded closings and processed checks and wire transfers • Receipted contracts and made corresponding deposits• Answered all customer and mortgage company questions via phone and email correspondence.

Killeen, Texas

• Processed all types of consumer, commercial and real estate loans.• Obtained all necessary documentation from customers to accurately document the loan and credit files.• Performed Credit analysis and customer portfolio reviews to accurately prepare the Loan approval worksheet for loan committee.• Worked in dealer collections with automobile floor plans and dealers. • Corresponded with customers, attorneys, title companies, car dealerships and insurance companies. • Worked a teller drawer is necessary

Bs, Accounting And Business/Management, 3.6

Activities and Societies: Member Delta Mu Delta, Dean's ListCum Laude Wall Street Journal Academic Achievement Awarde

Accounting, Accounting And Business/Management

Accounting Major