Michele Roller
Abingdon
Summary
Experienced with processing high-volume mortgage loans efficiently and accurately. Utilizes analytical skills to ensure compliance with regulatory standards and optimize loan approval processes. Knowledge of team collaboration and adaptability to meet changing demands in mortgage industry.
Versatile loan processing professional specializing in customer service and bank standards. Excellent communicator and decision maker with a strong eye for detail and a proactive nature.
Manages high-volume loan paperwork in dynamic environments with high production, approval and customer relations targets. Expertise includes reviewing and validating personal, employment, and financial histories for each applicant. Self-motivated and reliable with excellent teamwork, problem-solving and organizational skills.
Proactive and goal-oriented professional with excellent time management and problem-solving skills. Known for reliability and adaptability, with swift capacity to learn and apply new skills. Committed to leveraging these qualities to drive team success and contribute to organizational growth.
Overview
32
32
years of professional experience
Work History
Credit Associate
Blick Art Materials
07.2017 - Current
- Collecting Payments: Contacting customers to remind them of overdue balances, negotiating payment plans, and ensuring timely payments.
- Record Keeping: Maintaining accurate and up-to-date records of all collection activities, including customer contact information, payment promises, and outstanding balances.
- Communication:Communicating with customers in a professional and courteous manner, explaining account status, and resolving inquiries.
- Dispute Resolution: Investigating and resolving disputes related to billing errors, incorrect payments, or other issues.
- Legal Compliance: Ensuring adherence to all applicable federal and state laws regarding debt collection practices.
- Collaboration:Collaborating with Departments, such as sales, finance, and customer service, to resolve payment issues and improve customer relationships.
- Risk Assessment: Conducting financial analysis and risk assessment for potential and current clients.
- Debt Recovery:Initiating repossession proceedings or handing over accounts to law practices when necessary.
- Customer Service:Providing excellent customer service, answering customer inquiries promptly and professionally.
Assistant Store Manager
Casey's General Store
01.2013 - 07.2017
- Staff Management: Supervising and training staff.
Creating and managing employee schedules.
Conducting performance reviews and providing feedback. Recruiting and interviewing new employees. - Store Operations: Managing inventory, including ordering, stocking, and maintaining accurate records. Ensuring store cleanliness and Opening and closing the store, as needed.
- Customer Service: Addressing customer inquiries and resolving Providing excellent customer service.
- Sales and Profitability: Implementing promotional campaigns and merchandising strategies. Working with the Store Manager to set and achieve sales goals.
- Administrative Tasks: Assisting with administrative duties, such as payroll and cash handling. Preparing reports and analyzing sales data.
Senior Collector
CCB Credit Services, Inc.
05.2005 - 04.2010
- Leadership and Mentorship: Senior collectors may lead a team, providing guidance, training, and support to junior collectors.
- Complex Case Management: They handle more challenging cases, often involving large debts or complex situations.
- Strategy Development: They may contribute to developing and implementing collection strategies to improve recovery rates.
- Data Analysis and Reporting: They analyze collection data, identify trends, and prepare reports to track performance and identify areas for improvement.
- Process Improvement: They identify opportunities to streamline collection processes, improve efficiency, and reduce errors.
- Negotiation and Communication: They communicate with debtors, negotiate payment plans, and resolve disputes.
- Compliance: They ensure all collection activities comply with relevant laws and regulations.
- Legal Coordination: They may coordinate with legal teams when necessary to pursue legal action for outstanding debts.
Senior Loan Processor
Challenge Mortgage
03.1993 - 04.2003
- Loan File Management:Review and verify loan applications, ensuring all required documentation is included.Obtain and verify borrower financial documentation, such as income verification, bank statements, and tax returns.Collect and verify third-party documentation like appraisals, title reports, and hazard insurance certificates.Maintain and update loan files, ensuring all documents are accurately and completely recorded.
- Compliance and Regulatory Adherence:Ensure all loan files and credit packages comply with company lending policies, state, and federal regulations.Stay updated on regulatory changes and lender guidelines.
- Communication and Coordination:Serve as the primary point of contact for borrowers, real estate agents, loan officers, and underwriters.Communicate effectively with all stakeholders, providing timely updates and addressing questions.Coordinate with title companies, escrow companies, and other third-party vendors to ensure a smooth and timely closing.
- Loan Eligibility and Risk Assessment:Review borrower financial information, including income, debt, and assets, to assess loan eligibility.Analyze credit reports and other relevant documentation to determine loan risk.
- Documentation Preparation:Prepare loan disclosures, closing documents, and other necessary paperwork.Ensure all loan documents are accurate, complete, and compliant with regulatory requirements.
- Loan Closing and Funding:Monitor and track loan files to ensure timely closing and funding.Coordinate with the closing department to ensure all necessary steps are taken to finalize the loan.
- Customer Service:Provide excellent customer service to borrowers, addressing their questions and concerns promptly and professionally.Maintain positive relationships with referral partners and clients.
Education
Bachelor of Science - Accounting
DeVry University-Chicago
Chicago, IL02-2021
Skills
- Customer Service
- 10 Key adding machine
- Excellent math skills
- Office equipment
- Time Management
- Excel Proficency
- Microsoft Word
- Accounting
- Computer Skills
- Microsoft Office
- Tax accounting
- Research
- Bookkeeping
- Windows
- Problem-solving
- Flexibility
- Team Work
- Reliability
- Data entry
- Conflict management
- Office Management
- Loan structuring
- Training and mentoring
- Documentation review
- Credit analysis
- Credit policy development
- Due diligence
- Credit scoring
- Credit monitoring
- Teamwork
- Customer service
- Time management
- Attention to detail
- Problem-solving abilities
- Multitasking
- Excellent communication
- Critical thinking
- Organizational skills
- Team collaboration
- Active listening
- Adaptability and flexibility
- Verbal and written communication
- Decision-making
- Task prioritization
- Self motivation
- Analytical thinking
- Goal setting
- Professionalism
- Oral and written communications
- Lending regulations
- Microsoft Office Suite
- Information verification
- Negotiation
- Credit programs
- Processing procedures
- Pipeline management
- Document review
- Appraisal review
- Residential mortgage lending regulations
- Legal compliance
- Appraisals
- Application preparation
- Verifying information
- Mortgage loan processing
- Microsoft office
- Lending software systems
- Credit verification
- Desktop underwriter
- Government lending
Affiliations
- National Society of leadership and success
- August 2016 to Present
Timeline
Credit Associate
Blick Art Materials
07.2017 - Current
Assistant Store Manager
Casey's General Store
01.2013 - 07.2017
Senior Collector
CCB Credit Services, Inc.
05.2005 - 04.2010
Senior Loan Processor
Challenge Mortgage
03.1993 - 04.2003
Bachelor of Science - Accounting
DeVry University-Chicago
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Quote
There’s no shortage of remarkable ideas, what’s missing is the will to execute them.
Seth Godin
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