Home Equity Resume Samples
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Home Equity Resume Samples
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SW
S Walter
Sheridan
Walter
8323 Morar Corners
San Francisco
CA
+1 (555) 266 7365
8323 Morar Corners
San Francisco
CA
Phone
p
+1 (555) 266 7365
Experience
Experience
San Francisco, CA
Home Equity Underwrtier
San Francisco, CA
Feest, Crist and Ebert
San Francisco, CA
Home Equity Underwrtier
- Makes credit decisions on consumer direct loan products with strong focus on Home Equity Lines of Credit in adherence to Bank Credit Policies and department procedures
- Credit decision may include analysis of but is not limited to the following: customer, bank or third party sources for income documentation such as personal and related business tax returns, personal and related business financial statements, other financial data, credit exposure, credit reports, real property appraisals, title and other property information
- Adheres to established department policies and procedures relative to the underwriting, approval and closing of consumer loans
- Communicates effectively, courteously and proactively with customers, which includes both internal retail/wholesale staff and external customers Bank partners, external customers)
- Maintains productivity and quality of service standards, as established by management, with respect to service level agreements for credit decisions and closing of credit transactions
- Makes recommendations for loan applications outside of lending authority to a higher level of lending authority for review and approval
- Assures that lending decisions are within authorized lending limits and within the Bank’s lending policies
Dallas, TX
Home Equity Operations Manager
Dallas, TX
Swift Group
Dallas, TX
Home Equity Operations Manager
- Oversight of the Mortgage Process with TIAA-CREF’s outsource provider and simultaneously be working on a plan to insource the operational component of Home Equity
- Develop and implement reporting necessary to monitor performance and potential gaps
- Work with servicing operations manager to stand up a Home Equity servicing platform
- Oversight of the Mortgage Process with TIAA’s outsource provider and simultaneously be working on a plan to insource the operational component of Home Equity
- Actively oversee pipeline management
- Facilitate ongoing process improvements to achieve higher results on an ongoing basis
- Pipeline management expectations include but are not limited to
present
New York, NY
Head Home Equity Policy & Policy Optimization
New York, NY
D'Amore, Bednar and Bednar
present
New York, NY
Head Home Equity Policy & Policy Optimization
present
- Manages risk versus return of policy changes
- Leverages enterprise wide stakeholders to develop optimum solutions and collaboratively sets the new policies in motion
- Integration and implementation excellence - synthesizing and operationalizing strategies and concepts
- Strategically identify and champion key opportunities to enhance Home Equity Financing lending policies and processes
- Leading a team of direct and indirect reports
- Strategic and analytical thinking
- Integrates initiatives with other members of the HEF team,
Education
Education
Bachelor’s Degree in Business
Bachelor’s Degree in Business
Georgetown University
Bachelor’s Degree in Business
Skills
Skills
- Strong ability to manage various projects and navigate a multi-tiered management structure
- 5+ years experience in Consumer Lending or related financial banking field with applicable product, operations and regulatory knowledge
- Ability to identify, research, and resolve problems independently
- Strong proven communication and writing skills
- Proficient at Power Point, Excel and Word programs
- Strong organizational and monitoring skills
- Strong time management skills
- Able to work under pressure, meet tight deadlines
- Strong communication and organization skills
- Self-motivated and able to work in a fast paced dynamic environment performing multiple tasks
15 Home Equity resume templates
Read our complete resume writing guides
1
MB Mortgage Banker Home Equity Resume Examples & Samples
- Responding to customer inquiries regarding Home Equity product offers
- Originate consumer loan applications through Loan By Phone
- Contact and process applications through on-line resources
- Set clear expectations on process and time frames of the application to loan closing
- A minimum of 2 year of demonstrated sales or customer service experience/skills required
- 2 years of consumer lending or mortgage lending experience is a plus
- Demonstrated effective customer service, communication and organizational skills
- Self-motivated and able to work in a fast paced dynamic environment performing multiple tasks
- Analytical and time management skills to maintain focus on production
- Computer key board skills
2
Manager, Home Equity Finance Client Programs Resume Examples & Samples
- Lead all activities with respect to general management of the programs, including portfolio performance and scorecard reporting
- Responsible for developing and executing the end-to-end strategy for each program that results in profitable growth through effective management of spread, costs, and volumes
- Work with Partners (Policy, Credit Strategies, Portfolio Management and & Credit Strategies, Group Risk Management, Legal, Operations, Client Strategies) through impact and influence to design, develop and implement appropriate program strategies, processes, policies and reporting which support the execution
- Develop the strategy for marketing to each of these programs and work in partnership with Marketing to execute these strategies, offers and tactics to achieve growth plans
- Develop reporting for key business drivers, performance management metrics, measurement criteria, and segment profitability
- Develop a framework for understanding the effectiveness of channels across multiple dimensions, including channel, product, program, and client segment
- Through data analytics, and coordination with other members of the Client Acquisition team, identify and test channel optimization opportunities
- Strong knowledge of the home equity market nationally and around the world
- Solid understanding of RBC’s home equity business model
- Strong strategic mindset with proven execution ability
- Ability to execute and deliver projects on time and sometimes with little direction
- Self-starter—ability to work and think through problems and assignments in a self-directed manner
- Organizational skills—the ability to oversee and/or be involved in multiple work streams concurrently
- Leadership by example in teamwork, cross unit cooperation and information sharing. Ability to get things done through others and ability to be decisive and provide partners with clear direction
- Research capabilities
- PowerPoint expertise; Excel and Word proficiency
- Organizational awareness
- Conceptual and analytical thinking. Strong business acumen
3
Home Equity Resume Examples & Samples
- Responding to inquiries (Kana)
- Coordinate Customer Thank you program
- Order all department supplies
- Complete daily/weekly/monthly compliance reviews
- Manage Internet assignments
- Assist Lending Managers with operations responsibilities
- Schedule travel arrangements, manage multiple calendars
- A minimum of 2 years of demonstrated administrative experience in the banking/financial industry
- Able to work under pressure, meet tight deadlines
- Demonstrated effective customer service, communication and organizational skills
- Self-motivated and able to work in a fast paced dynamic environment performing multiple tasks
- Analytical and time management skills
- Computer key board skills
- Proficient at Power Point, Excel and Word programs
4
Home Equity Production Specialist, Start Resume Examples & Samples
- Problem-solving and reasoning ability
- Decision-making capabilities
- Able to adapt to changing environments, situations, and job responsibilities.
- Experience in consumer lending and knowledge of equity products
5
Home Equity Fulfillment Home Services Specialist Resume Examples & Samples
- Excellent telephone and customer service skills
- Proficient with computers and strong typing skills
- Team player mentality with the ability to work independently
- Strong problem solving and decision-making skills
- Quality focused with attention to detail
- Excellent interpersonal skills; ability to easily build rapport and diffuse tense situations
- Ability to deliver a difficult message and take ownership
- ACAPS experience
- Previous mortgage experience and/or customer service / financial environment experience
- Knowledge of general bank guidelines
6
Executive Assistant Home Equity Financing Resume Examples & Samples
- 5 years+ previous experience as an Administrative Assistant supporting executive level (Director, VP)
- Strong calendar management and scheduling skills
- Strong organizational and administrative skills; ability to organize, plan and schedule activities
- Strong interpersonal and diplomacy skills and comfort in dealing with individuals across all levels of the organization
- Fully proficient with MS Office
- Extremely well organized and pays strong attention to detail
- Ability to multi-task and prioritize and work independently under tight deadlines in a fast-paced environment
- Ability to work efficiently and accurately with minimal supervision
7
Senior Analyst, Home Equity Financing Resume Examples & Samples
- Responsible to build new reporting and analytics for a new lending program within Home Equity Financing targeting new client segments
- Lead analytics & reporting for the product team and focus on measuring critical success factors for new strategies and processes
- Interacting and leading discussions with various internal and external business partners
- Summarize and present findings with recommendations for enhancement to other business partners and senior executives
- Appropriate use of available data to generate insights into the strategy and support relevant recommendations to increase operational efficiency while maintaining acceptable levels of risk within RBC’s risk appetite
- Deliver timely and accurate analytics by establishing analytical framework
- Responsible for all data mining activities, including data validation
- Design tracking mechanisms to monitor performance of implemented actions
- Provide regular performance updates to all stakeholders
- Lead discussions with senior management and influence key business decisions with relevant data
- Work with other partners such as HEF, Finance, PMCS, GRM, and Operations to understand and integrate measurements into existing origination and portfolio reporting
8
Home Equity Operations Manager Resume Examples & Samples
- Oversight of the Mortgage Process with TIAA-CREF’s outsource provider and simultaneously be working on a plan to insource the operational component of Home Equity
- Actively oversee pipeline management
- Understand all of the vendor’s policies, processes and procedures to ensure compliance with state, federal and regulatory requirements
- Management of the testing of all vendor functions and maintaining reporting and action plans for any issues that require remediation
- Serve as a liaison to compliance during all regulatory home equity exams facilitating all requests
- 10+ years of home equity operations experience
- Demonstrated and proven ability to translate key decisions into actionable initiatives. Strong coaching and organizational skills
- Proven analytical and problem solving abilities
- Demonstrated understanding of the origination life cycle to include sales, processing, underwriting approval, closing and post-closing
- Strong knowledge of compliance and regulatory issues impacting the home equity products
- This individual must have deep knowledge of home equity competitive landscape
- Ability to effectively and constructively lead change in an organization, introducing continuous improvement practices in an organization
- Relationship building and the ability to drive decision making through a consensus building approach
- Experience managing teams across distributed locations
9
Home Equity Fulfillment Inbound Specialist Resume Examples & Samples
- Excellent phone and customer service skills
- Prior customer service experience
- Ability to work in fast paced work environment
- Working knowledge of computer systems
- Ability to effectively multi-task
- Able to adapt and embrace change
- Maintain a positive attitude
- Manage challenging situations
- Ability to deliver a difficult message
- Ability to take ownership
10
Home Equity Production Analyst Resume Examples & Samples
- Two years Financial institutions lending
- Two years’ experience in lending products and services
- Previous experience in credit unions, especially Partners Federal Credit Union
- Previous experience in credit unions, especially Partners FCU
- Experience in credit union loan services, products, policies and procedures
11
Credit Adjudication Initiatives Manager Home Equity Financing Resume Examples & Samples
- Strong understanding of RBC credit processes including Linx, Casper, Panther, and related systems (ie. RightFax, eCourier, Sales Platform, etc.) preferred
- Conceptual thinker with ability to grasp broader issues
- Highly effective communicator with excellent writing skills
- Able to effectively enable impact and influence
- 5+ years of Credit experience
- Solid understanding of credit policies and procedures
- Professional oral and written communication skills – presentations to senior management
- Change leadership experience – impact and influence decision makers
- Recommendations of process enhancements
12
Senior Technical Analyst, Home Equity Finance Resume Examples & Samples
- Degree or Diploma in Computer Science, Business, Economics, Statistics or other quantitative field of study preferred
- 7+ years related work experience with
- Advanced SQL (must have)
- Strong SAS programming experience (must have)
- Tableau Data Visualization Software (nice to have)
- Ability to be effective and equally conversant in business and technical environment
- Collaborative and supportive attitude
13
Head Home Equity Policy & Policy Optimization Resume Examples & Samples
- Integrates initiatives with other members of the HEF team,
- Manages risk versus return of policy changes
- Executes change while minimizing negative impacts to the client experience and sales force
- Leverages enterprise wide stakeholders to develop optimum solutions and collaboratively sets the new policies in motion
- Leading a team of direct and indirect reports
14
Mortgage Banking Home Equity Lending Manager Resume Examples & Samples
- Drive Production
- Prefer 5+ years of Mortgage Sales experience,Contact Center/Sales Experience preferred
- Solid knowledge of Federal and State regulatory policies and procedures
15
Home Equity Operations Manager Heloc Resume Examples & Samples
- Work closely with the outsourced Home Equity vendor to ensure that production goals are achieved and loans are processed, underwritten and closed within appropriate timelines and credit risk parameters
- Directly resolve or coordinate the resolution of client service related problems on behalf internal and external clients
- Ensure processes adhere to appropriate risk management processes
- Facilitate ongoing process improvements to achieve higher results on an ongoing basis
- Work with servicing operations manager to stand up a Home Equity servicing platform
- Bachelor’s Degree strongly preferred and/or a combination of education and experience
- This individual should use innovative thinking when tackling principles, theories and concepts relating to wide scope of problems
- Experience managing processing, underwriting, closing and post-closing functions and general operations management experience in a centralized home equity lending environment
- Knowledge of home equity systems, risk drivers and automated underwriting
- Experience implementing business practices that mitigate compliance, regulatory, credit and legal risk and or result in operating efficiencies
- This individual will need to lead large projects and have experience doing so
- Demonstrated ability to partner and deliver results in a complex and matrix reporting environment
16
Home Equity Resume Examples & Samples
- Superior organization skills
- Solid quantitative & qualitative reasoning skills
- String Project Management and Business Process Development skills
- Solid knowledge of programming, systems analysis and testing principles
- Ability to lead people, Business process and business objectives
17
Home Equity Productivity Mgr Resume Examples & Samples
- Develops and maintains staffing models for Home Equity Operations colleagues and constantly monitors and tweaks based on operational efficiencies and volume fluctuations
- Develops strategy/implementation plans for opportunities that will improve our workflow turn times through detailed analysis and supporting data
- Works with cross-functional partners within the business line including risk, compliance and legal, to implement efficiencies in the workflow process whether through technology or operational changes
- Develops, communicates and maintains management reporting dashboards that align with improvements to our workflow turn times and various change initiatives as applicable
- Constantly monitors metrics and looks for opportunities/gaps that would impact change across the business
- Works with partners within the business line to ensure alignment in reporting, metrics and communication of the state of the business
- Background in Operations or Analytics within the Financial Services Industry – preferably Home Lending
- Strong Oral and Written communication skills
18
Home Equity Closer Resume Examples & Samples
- Ability to prioritize and meet deadlines in a high volume area
- Ability to readily adapt in a fast pace ever changing work environment
- Advanced typing and strong computer skills - including Outlook, Microsoft Word & Excel
- Ability to work in a team environment to meet expectations
19
Home Equity Campaign Manager Resume Examples & Samples
- Collaboration with marketing managers to identify opportunities, campaign strategy and the framework for measurement and reporting
- Management of multi-channel (mail, email, online ads/landing pages, collateral, flyers,) marketing execution (from concept development to delivery) including working across multi functional teams, such as: Internal and External agencies on creative development and execution Print/Production/Fulfillment Agencies (and or liaison)
- Manage campaigns to ensure initiatives are on-strategy, on time and within budget parameters
- Making recommendations for campaign improvement based on results and contributing innovative and creative ideas
- Optimizing direct marketing campaigns to improve results, efficiencies and reduce costs
- 4-year college degree
- Strong knowledge of and 7+ years experience in direct marketing/project mgmt is required. Experience should include: Mortgage/Home Equity marketing experience; Managing large-scale acquisition and customer management direct marketing programs including mail, email, online and telephone
- Agency/vendor management experience
- Knowledge of database marketing principles, segmentation, testing and results measurement
- Specific experience in financial services and/or agency-side experience is a plus
- Ability to think strategically, but willingness to roll up your sleeves and manage the details of marketing project execution
- High energy and the ability to manage multiple initiatives simultaneously and work well under pressure and tight deadlines
- Strong relationship development and negotiating skills; able to earn respect and trust among internal and external business partners and team members
- Team player with a positive, can-do attitude; must be comfortable with continuously changing opportunities and priorities
- Creativity and innovation with a focus on constant improvement
20
Home Equity Pre-closing Operations Associate Resume Examples & Samples
- Primary data entry role that includes independent decision making and legal document interpretation skills
- Assists in resolution of complex issues
- Responsible for multiple system, business and product lines
- Performs other duties as requested by management
- Minimum two (2) years relevant work experience
- Strong PC skills with knowledge of applicable MS Office products
- Moderate problem solving skills
- Math skills necessary
- Strong oral and written communication skills with good organizational skills
- Familiar with business terms
- Customer service skills and the ability to work with a team
- Must be reliable and flexible
- Bachelors Degree in a Business field
- Proven Data Entry skills
- Strong Communication skills and a willingness and/or interest in covering for or expanding into an internal customer service role
- Home Equity experience
21
CCB Risk-mortgage Banking Consumer Credit Risk-home Equity VP Resume Examples & Samples
- 5+ year mortgage or home equity experience
- Background in change / strategic management and planning
- Understanding of the mortgage/home equity production process and P&L
- Prior experience in home equity product strategy, pricing or credit portfolio management a plus
- An MBA, CPA, CFA preferred and formal Credit training a plus
22
Home Equity Specialist Resume Examples & Samples
- Manage applications loan process by communicating with applicants and obtaining clarification on the application to ensure that a final credit decision can be rendered
- Follow-up on required information such as income verification and property information
- Update the loan origination system with updated information as needed
- Manage loan applications through closing while maintaining productivity and quality of service standards established by Management
- Demonstrates strong organizational and time management skills
- Ability to multi-task and successfully manage the pipeline of applications especially during peak production periods
- Obtain required documentation and organizes all documents for file review by lending officer
- Contact applicants upon receipt of information for further clarification as needed
- Manage documentation process including ordering of property title, property insurance and applicable documentation reviews
- Review valuation forms, flood zoning determinations, insurance documents, conveyance documents, loan conditions, and other loan forms to ensure that loans are closed in accordance with approval terms and conditions
- Review assigned files and complete processing to ensure all income, credit, and valuation requirements are met
- Work closely with the applicant and/or referring party to obtain all necessary documents
- Input, access, and retrieve information on the system to direct individual workflow
- Send out written communication regarding application status according to established company and regulatory guidelines
- Communicates effectively, courteously and proactively with applicants as well as internal and external partners
- One to three years of sales, real estate lending, or customer service experience
- P.C. usage including knowledge of Microsoft Office software (Word, Excel and Access)
- Ability to multi-task and work in fast paced environment and able to prioritize heavy workload
- Strong verbal communication skill required due to high volume of telephone contact with applicants
23
Home Equity Processing Team Leader Resume Examples & Samples
- Minimum of 2 years relevant work experience is required
- Past experience in a related field, operations center or call center environment, or previous experience in a customer-facing role within a professional services company, is preferred
- 1-2 years experience leading teams, people and/or processes is required
- 2-year or 4-year college degree in a business related field is preferred
- Knowledge and execution of business process
- Ability to present information, analyses, ideas, and opinions in writing in a clear and convincing manner, and ability to organize written ideas clearly
- Ability to learn/acquire new concepts, processes, and technology
- Knowledge of company policies and/or applicable local, state, and federal regulations and laws governing business processes
- Skill working with personal computers and software applications (e.g., Microsoft Office suite, word-processing, spreadsheets, databases, etc.)
24
Home Equity Closer Resume Examples & Samples
- Obtain all payoffs accurately and efficiently
- Specialists are required to keep up to date procedures and contact lists
- Specialists are responsible for follow up with Customer(s), Branch Colleagues and Home Loan Officers
- Attention to detail and accuracy is critical
- Work well in team environment to meet goals
25
Home Equity Production Services Specialist Resume Examples & Samples
- 2 years call center experience, would prefer branch experience
- Requires ability to navigate a computerized data entry system or other relevant applications, familiar with Credit Revue, Transaction Express, Mainframe and Cross Current
- Knowledge of policies and procedures relating to loan products
- Excellent verbal and written communication skills, telephone etiquette and friendly attitude
- Effective interpersonal stills, must be a team player
- Ability to work in a fast-pased environment
- Dependable and willing to be flexible with work schedule, including working overtime if needed
- Understanding of regulatory requirements
26
Discover Home Equity Admin Assistant Resume Examples & Samples
- Ability to work under limited supervision
- Ability to meet deadlines and work under stressful situations
- Excellent and proven organizational skills; excellent oral and written communication skills; demonstrated leadership ability; interpersonal skills
- Demonstrates independent judgment on complex issues, possesses enhanced analytical skills in decision making and problem solving
- Ability to independently solve intricate issues. Wide latitude for decision making, generate new and innovative solutions to complex problems
- Proficiency in Microsoft Office applications, (i.e. Excel, Word, PowerPoint)
- 4 years of office and/or clerical experience. Administrative Assistant duties preferred
27
MB Home Equity Lending Manager Resume Examples & Samples
- Prefer 5+ years of Mortgage Sales experience,Contact Center/Sales Experience preferred
- Prefer College Graduates
- Proven ability to lead, coach, and mentor at all position levels
- Demonstrated ability in providing superior customer service
- Demonstrated experience in providing sales coaching preferred
- Strong attention to details skills
- Solid knowledge of Federal and State regulatory policies and procedures
- Strong PC skills, including Excel, Word, Loan Origination Systems a plus, etc
28
Home Equity Resume Examples & Samples
- Design annual marketing campaign plan in alignment with strategic goals
- Provide product oversight and management marketing campaign execution
- Drive momentum on various product projects by coordinating responsibilities across impacted business partners
- Gather feedback and consensus on necessary steps through to project completion
- 5+ years experience in project management or related field
- Experience in Consumer Lending subject matter preferred
29
Area Manager, Discover Home Equity Resume Examples & Samples
- 5+ years mortgage/home equity industry processing or underwriting experience, with progressive responsibilities demonstrated
- Experience directly managing a team of underwriters
- Excellent communication, interpersonal, negotiation and problem-solving skills
- Ability to mentor varying levels of employees and coach them to success, while effectively balancing overall department needs and production goals
- Ability to interact well with all levels of senior management, articulating department needs in a solution-oriented way
- Ability to quickly learn and navigate proprietary software platforms and Loan Origination Systems (LOS)
- Must be able to work collaboratively in a fast paced, goal-oriented environment
- Must be flexible and adaptable to changing business needs
- Experience using Word, Excel, and PowerPoint
30
Home Equity Resume Examples & Samples
- Manage and/or participate as appropriate in projects driven by or that impact the HEDL as assigned. Maintain a high level of focus to delivery ensuring projects provide efficiency and excellence in execution and a positive client experience. Develop and deliver appropriate, timely and effective communications to the LOB management team and the origination and servicing teams as necessary throughout all projects. Keep the product LOB abreast of current and up-coming changes that impact how we deliver products, profitability, service levels, meet regulatory requirements and the client experience. Ensure all LOB impacted procedures are properly documented or updated as needed
- Manage and over site of the HEDL LOB department procedures to ensure they are properly identified, documented, reviewed and approved by all appropriate parties to ensure accuracy and usability. Establish a protocol to track and manage all department procedures to ensure an annual review and updates are obtained from necessary parties within and outside or the department
- Manage the HEDL Community Reinvestment Act (CRA) responsibilities, including but not limited identifying appropriate CRA goals for sales channels with effective and timely goal tracking and reporting. Managing product and process changes needed to align with changing regulations and corporate requirements to meet CRA goals. Work with the Community Development Managers, other LOBs, corporate compliance, channel managers, sales channels, mortgage and others as needed to ensure we deliver HEDL products as appropriate to meet CRA goals
- Engage with legal, compliance and risk partners as appropriate to ensure the delivery of the project requirements, procedures, processes and communications are appropriate within the requirements of laws, regulations and corporate tolerances that govern the business
- Establish and manage a project evaluation process to quickly assess the merits of the project to determine priority, if any, of resource engagement. It incudes, but is not limited to profitability hurdles, resource engagement needs and availability and impact to delivery, service and sales channels
- 5+ years experience in Consumer Lending or related financial banking field with applicable product, operations and regulatory knowledge
- Strong proven communication and writing skills
- Strong organizational and monitoring skills
- Strong ability to manage various projects and navigate a multi-tiered management structure
- Six Sigma Efficiency experience
31
Home Equity Specialist Resume Examples & Samples
- Required Skills:"Must" have these skills to be minimally qualified
- 1+ years sales call center experience
- Must have a strong Sales Culture mentality
- Thorough knowledge of mortgage products and programs
- Ability to assess needs and suggest/promote alternative products or services
- Proficient in all platform systems utilized within the environment and/or aptitude in system technologies
- Ability to work under pressure during high volumes
- Ability to build and maintain positive rapport with service partners
- Ability to delegate, multi-task and adapt easily to change
- Clear and concise communication - verbal, non-verbal, and written
32
Home Equity Portfolio Analyst Resume Examples & Samples
- Assist with on-going business as usual tracking and analyzing key portfolio and line/loan product data metrics including balance and commitment trends, life cycle utilization, production, attrition, performance, and sales reports used to identify emerging risks and opportunities. Assists with development of new business intelligence reports
- Partner with Credit Risk analytics on in depth analytical requests. Determine scope of work, requirement deliverables, and establish a timeline
- Participate in ad hoc business requests and projects that impact portfolio/product enhancements as a research analyst; providing initial analysis and recommendations based on independent research of issues, existing processes, or data trends
- Strong analytical and organizational skills, skilled in Excel data manipulation
- Strong communication (written, presentation) and time management skills
- Experience or background in working with database tools, data querying and manipulation
- Consumer Lending, Mortgage loan, or credit card experience in sales, or product/portfolio administration
- Experience in Operations Management
33
Home Equity Underwrtier Resume Examples & Samples
- Makes credit decisions on consumer direct loan products with strong focus on Home Equity Lines of Credit in adherence to Bank Credit Policies and department procedures
- Investigates and validates application information, utilizes supporting documents to render decisions
- Credit decision may include analysis of but is not limited to the following: customer, bank or third party sources for income documentation such as personal and related business tax returns, personal and related business financial statements, other financial data, credit exposure, credit reports, real property appraisals, title and other property information
- Communicates lending decisions to customer and branch staff
- Maintains productivity and quality of service standards, as established by management, with respect to service level agreements for credit decisions and closing of credit transactions
- Including but not limited to making decisions on loans within specified timeframes, from receipt of the application to final decision and through closing as applicable
- Recommends as appropriate alternatives for operational and process efficiencies as it relates to the underwriting process as well as the end to end direct consumer lending process
- Communicates effectively, courteously and proactively with customers, which includes both internal retail/wholesale staff and external customers Bank partners, external customers)
- Credit officer is also expected to be able to articulate current policies, procedures and/or processes as it relates to specific consumer lending products
- Exercises individual lending authority for Direct Consumer Lending and specialized lending programs as appropriate
- Assures that lending decisions are within authorized lending limits and within the Bank’s lending policies
- Makes recommendations for loan applications outside of lending authority to a higher level of lending authority for review and approval
- Ensures adherence to federal regulatory requirements governing consumer credit
- Adheres to established department policies and procedures relative to the underwriting, approval and closing of consumer loans
- Actively stays abreast of changes in credit policies and lending guidelines and procedures, while being compliant with consumer regulations
- Two to three years of experience in consumer lending or related experience
- Ability to use a personal computer and is proficient on Microsoft Office software, including Outlook, Internet Explorer, Word, Excel, and Access
- Must be knowledgeable and proficient in the use of automated underwriting systems, word processing, and spreadsheet programs
- Ability to use a 10-key adding machine, calculator, typewriter, fax, scanner and copy machines
- Any other standard Bank requirement
- Demonstrated understanding of consumer finance and accounting
- Must be detailed oriented with excellent research and decision making ability, and be able to work accurately under deadline pressure and volume pressure
- Ability to work effectively in a team and prioritize workload to meet deadlines
- Detail oriented to ensure credit decisions are executed in compliance with policies and procedures and overall accuracy
- Must have excellent customer service and communication skills
- The Consumer Credit Officer I performs assigned job duties under the close supervision of the Manager
- Officer II works under the general supervision of the Manager and Officer III performs job duties with minimal supervision
34
Home Equity Loan Originators Resume Examples & Samples
- BA /BS degree or equivalent experience
- 3 years of current Mortgage and Home Equity experience
- Demonstrated ability to handle multiple tasks efficiently in fast environment
- Proficient PC skills, including MS Office experience
35
VP-home Equity Resume Examples & Samples
- At least 3 years of experience in managing Managers
- Background in handling QA functions highly preferred
- Ability to follow complex methods and procedures in diverse routine and non-routine tasks
- Ability to plan and prioritize
- Familiarity with office and computer desktop applications
- Five years work experience preferred (or specialized education plus a minimum of two years experience, including supervisory/managerial work
36
Home Equity Business Systems Analyst Resume Examples & Samples
- System configuration experience
- Superior ability to multi-task
- Advanced MS Access Data Base, MS Excel,MS Word and MS PowerPoint
- Excellent interpersonal skills
- Strong fundamental knowledge of computers; mainframe, personal and distributed computers, and software applications for areas supported
- Strong knowledge of System Development Life Cycle
- 8 + years Financial services industry or business line experience, Project coordination experience, System / business process testing methodologies, Professional experience in system analysis and programming with relational data bases
37
Home Equity Analytics & Business Intelligence Manager Resume Examples & Samples
- Analytics: Provide actionable data designed to improve the effectiveness of both acquisition and portfolio management efforts
- Pricing: Oversee weekly pricing reviews and approvals for the home equity loan and line products. This includes managing pricing elasticity models to balance sales growth while maximizing profitability
- Regulatory support: Developing both re-occurring, and supporting ad-hoc requests, to support business intelligence needs related to regulatory requirements
- Reporting: Managing the timeliness and quality of daily, weekly and monthly reporting as required by the line-of-business
- Competitive analysis: Support ongoing views on market conditions, actions of competitors, and potential responses to these impacts
- Provides vision, leadership and strategic guidance in developing and implementing Company products, services and programs including features, benefits and characteristics that meet customer needs and are priced to meet Company and shareholder objectives
- Acts as the expert on the market and its problems. Maintains vigilance gathering industry expert opinions and qualitative market data for different market segments
- Manages the product development budget of the Company. Determines the optimal allocation of overall budget to ensure objectives can be achieved. Ensures maximum profitability via management of risk levels authorizes risk policy changes as appropriate
- Ensures effective ways to deliver complete solutions to identify market problems and ensures gaps are identified and filled
- Reviews and approves business and expense plans and tracks success and effectiveness of product development delivery and implementation. Develops and manages the product development calendar and oversees the successful and seamless execution of deliverables
- Manages the identification of competitive offerings in the market and their strengths and weaknesses. Prioritizes the presence and relative importance of key product deliverables
- Determines the methodology to quantify market analysis to look at internal measurements and product performance to determine how the product impacts the Company operations including product life cycle, quality, technical support, marketing programs and sales support
- Oversees the creation of product roadmaps to illustrate the vision for the product. Plans product solutions that describe the ideal or stereotypical users that represent the programming targets
- Ensures the creation of scenarios to describe market problems and illustrate why product features/requirements are necessary
- Develops marketing programs to move buyers through the buying process
- Directs market research projects and recommends methods for growing existing markets and developing opportunities for customer products and services
- Consults and advises top management on the marketing initiatives related to major Company activities
- Studies, analyzes and reports on quality of service, customer attitudes, economic conditions and government controls with respect to their effect on sales of existing or proposed products and services. Collaborates with business lines in establishing new services and products
- Demonstrates effectiveness in creating and using conceptual frameworks to structure the develop insights into the consumer; as a result, demonstrates a high level of analytical rigor in formulation of product insights
- Ensures all products are in compliance and meet all regulatory requirements
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Home Equity Closing Team Leader Resume Examples & Samples
- Provides guidance, instruction and leadership to the closing, funding and post-closing team. This includes bi-monthly travel to the remote operation center. Ensures the team members are fully cross-trained, communicates and enforces process changes, ensures established policies, procedures and checklists are current and properly followed. Conducts and monitors quality control tracking to ensure items are addressed by all team members in a timely manner. Conducts self-assessments and facilitates projects. 40%
- Conducts the daily closing, funding and post-closing job functions. Ensures underwriting continuances are met prior to loan closing. Completes appropriate checklists. Prepares documentation according to procedures. After closing, conducts a thorough review of the closed loan file to ensure all closing documentation is present and executed appropriately. Boards the loan to the core banking system and reviews all systems for loan creation accuracy. Advances the loan and disburses loan proceeds while ensuring the 3-day right of rescission period is offered on applicable transactions. Follows up with branch personnel or attorney regarding missing or inaccurate documentation in a timely manner. Ensures that original loan packages are retrieved from the branch or attorney timely after closing. Resolves post-closing issues and updates tracking spreadsheets. Ensures all executed documentation is properly stored into the bank’s imaging system and the required documentation is submitted to the Servicing Department for proper storage. Promptly submits original security instruments to third party vendor for proper recording and ensures recording issues are quickly resolved. Ensures HELOC counter checks are issued and payments are set up in a timely manner. 35%
- Handles customer and internal inquiries timely and with professionalism. Performs a variety of clerical functions and prepares reports as directed. 10%
- Participates in various lender training programs in order to increase proficiency and attends all required professional development as required. Assists in team development. 10%
- Ensures compliance with all banking laws, rules, regulations, and prescribed policies/practices/procedures necessary to reduce risk and uphold ethical standards related to and required by one’s duties
- Minimum 3+ year of mortgage or home equity closing experience
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Home Equity Closing Coordinator Resume Examples & Samples
- Follows up to ensure all underwriting continuances are met prior to clearing a file for closing or scheduling a loan closing. Completes and/reviews the processor and closing checklists for missing disclosures and documentation. Prepares for the loan closing including system review for accuracy, system updates, and documentation preparation. Reviews the imaging system to ensure that all required documentation is inclusive. Saves any required documentation to the imaging system. Communicates with branch personnel regarding closing scheduling. Presents all prepared closing documents for a second review prior to closing. 65%
- Backs up the Retail Home Equity Loan Funder and post-closing review as necessary. 15%
- Identifies opportunities to cross-sell Company products and makes referrals to the appropriate departments. 5%
- Handles a high volume of customer and internal inquiries with professionalism and in a timely manner. Performs a variety of filing functions and preparations of reports as directed. 5%
- Performs other duties as may be assigned or required. 5%
- General banking/business experience
- Analytical ability
40
Head of Home Equity Portfolio Management Resume Examples & Samples
- Provide executive leadership and management of all sales acquisition, account retention and sales portfolio management activities. Develop and drive the delivery of business plans related to sales, portfolio growth and profitability levels working with key partners in marketing, analytics, finance, distribution and risk. This includes optimization of lead sources, channel mix and sourcing of new avenues for growth
- Build product development and product management capacity/capability into the organization ensuring that the HELOC product remains competitive and rooted in the voice of the customer
- Oversee price setting and exception pricing practices and policies. Work with pricing analytics team to develop and execute comprehensive pricing and profitability strategies
- Provide day to day leadership to a team of employees; mentoring, coaching and developing them into a high performing team
- 10-15 years experience with lending products including marketing, product management and sales
- Experience creating and leading customer acquisition efforts including direct mail, digital marketing and branch promotion and sales
- Experience creating and leading customer retention efforts
- Strategic mindset with a demonstrated history of strategy formulation and execution
- Ability to influence at multiple levels in the organization
- Strong people leader with experience developing talent
- Excellent communication skills including the ability to build and deliver executive level presentations
- Strong financial acumen and the ability to work with raw data to provide insights
- Ability to build strong relationships with sales leaders, marketing executives and other key partners
41
Home Equity Operations Manager Resume Examples & Samples
- Manage activities of stand-alone business channel made up of processors, underwriters, and closers involved in fulfillment of home equity transactions
- Mentor and develop staff using a supportive and collaborative approach by assigning accountabilities, setting objectives, establishing priorities and monitor/evaluate results. Utilizes information to determine training needs
- Determines staffing needs, makes hiring decisions, performs performance evaluations, and administers disciplinary actions as needed
- Aid Director of Mortgage Operations in fulfillment operations oversight, development and implementation of loan production initiatives
- Create and implement role specific tactics to support business line’s strategic objectives
- Establish performance metrics and minimum production requirements for each role
- Identify efficiency opportunities to reduce current state home equity cycle time
- Create a best-in-class, customer-centric process flow for home equity transactions
- Maximize production while ensuring adherence to regulatory and compliance guidelines
- Assist in roll out and future maintenance of “paperless” loan production system
- Develop and implement reporting necessary to monitor performance and potential gaps
- Foster a positive, proactive, accountable, and customer friendly working environment
- Serve as liaison between operations and internal/external partners
- Pipeline management expectations include but are not limited to
- Extensive experience working in a “paperless” loan production system
- Proficient in understanding of compliance and regulatory guidelines associated with loan production
- Full knowledge and experience of mortgage products and programs
- Proven track record of strong customer service
- Ability to create and implement tactics necessary to achieve department’s strategic objectives
- Ability to manage multiple priorities. Must be highly flexible to deal with constant shifting priorities and deadlines
- Ability to prioritize responsibilities and delegate assignments
- High School Diploma or GED and a minimum of five (5) years of mortgage operations experience managing loan production teams consisting of underwriters, processors, closers and support personnel
- Bachelor's Degree preferred
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Home Equity Loan Funder Resume Examples & Samples
- Conducts a thorough review of the closed loan files to ensure that all closing documentation is signed appropriately by the borrower(s) and bank representative(s). Ensures that all documentation is received and scanned into the Bank’s imaging system. Reviews the processing system for loan creation accuracy and boards to loan to the Bank’s core banking system. Updates the core banking system based on the Bank’s policies and procedures. Makes the advance to the loan and disburses the appropriate checks and/or deposits while ensuring the 3-day right of rescission period is offered on applicable transactions. Follows up with branch personnel or attorney regarding missing or inaccurate documentation in a timely manner. 65%
- Acts as a back-up for the Home Equity Closing Coordinator as necessary. 15%
- Participates in various lender training programs in order to increase proficiency and attends all required professional development as required. Assists in processing as directed. Assists in team development and special projects as required. 5%
- Handles a high volume of customer and internal inquiries with professionalism and in a timely manner. Performs a variety of filing functions and preparations of reports as directed. 10%
- Minimum 1+ year of mortgage or home equity closing experience
