Laura Payano
Buford,GA
Summary
Experienced in customer service, finance, and property management. Seeking a challenging position within a reputable organization to further develop my skills and abilities. Confident that my strong background in these areas can reach their fullest potential.
Overview
6
6
years of professional experience
Work History
Financial Services Officer
MyGeorgia Credit Union
03.2024 - 08.2024
- Took and reviewed consumer loan applications for credit cards, auto loans and personal loans
- Collected and analyzed client’s income, credit and assets to assess eligibility for consumer loans
- Worked with clients to develop financial planning strategies and solutions through evaluation
- Always made sure to assist to the clients with excellent service while following policies and procedures at all times
- Provided fast and efficient service while referring clients product and services
- Provided credit life and disability insurance quotes along with mechanical breakdown and gap insurance
- Booked loans for members of the credit union based on underwriting guidelines
- Strengthened compliance efforts by staying up-to-date on industry regulations and implementing appropriate internal controls.
- Improved customer satisfaction with timely resolution of account inquiries and issues.
- Enhanced financial reporting accuracy by streamlining data collection and analysis processes.
- Maintained detailed records of all transactions for easy retrieval during audits or investigations.
- Built trusted relationships with clients to foster loyalty and promote referrals within the community.
- Increased revenue by identifying cross-selling opportunities and promoting additional financial products to clients.
- Ensured smooth transactions by accurately processing loan applications, account openings, and various banking services requests.
Loan Officer
Motto Mortgage
09.2023 - 03.2024
- Collected and analyzed client’s income, credit and assets to assess eligibility for a home loan
- Communicated with borrowers and agents constantly regarding loan status
- Ran LP and DU through AUS desktop underwriting for approval
- Issued pre-approvals based on underwriting guidelines
- Maintained strict confidentiality of bank records and client information.
- Assisted clients in selecting appropriate loan products for their needs, resulting in higher customer satisfaction.
- Delivered exceptional customer service by promptly addressing client concerns and resolving issues as they arose during the lending process.
- Educated potential clients on various loan options, guiding them towards informed decisions that fit their financial goals.
- Developed strong relationships with customers through high levels of customer service.
- Originated, reviewed, processed, closed, and administered customer loan proposals.
- Assisted customers in understanding loan terms and conditions to make informed decisions.
- Ensured compliance with all federal and state regulations throughout the loan origination process.
- Assisted customers with completing loan applications and other paperwork.
- Monitored pipelines to track and log status of loans.
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
- Assisted clients with improving financial health by counseling on issues such as excessive spending and borrowing.
Loan Officer
New American Funding
11.2022 - 09.2023
- Reviewed and submitted mortgage loan applications
- Collected and analyzed client’s income, credit and assets to assess eligibility for a home loan
- Developed and maintained relationships with real estate agents and other referral partners
- Discussed options and explained loan terms
- Ensured compliance with all federal and state regulations throughout the loan origination process.
- Collaborated with underwriters to expedite loan approvals and close deals in a timely manner.
- Managed a diverse portfolio of loans while maintaining strong relationships with borrowers and referral partners.
- Collaborated with other departments to promptly process loan applications.
- Coordinated with legal team to ensure all loan agreements were compliant with state and federal regulations.
- Maintained compliance with all regulatory requirements, preventing any legal or financial penalties for institution.
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
Loan Officer Assistant
New American Funding
04.2021 - 07.2022
- Assisted Loan Officer by helping borrowers to complete their mortgage applications over the phone
- Pulled and reviewed credit, income and assets
- Coordinated with loan officers to optimize the pre-approval process, resulting in a smoother overall experience for clients.
- Communicated with customers daily to request information and complete paperwork.
- Reduced processing time by maintaining an organized system for tracking outstanding documents and followups.
- Provided comprehensive administrative support to Loan Officers so they could focus on building relationships with clients and generating new business opportunities.
- Set up files using loan officer checklist and submitted on-time for processing.
- Managed customer relations, ensuring timely communication of loan status updates for increased client retention.
- Developed strong rapport with real estate agents, cultivating valuable referral networks that led to increased business growth opportunities.
- Streamlined communication channels between clients, Loan Officers, and underwriters to ensure timely updates and efficient information sharing.
- Liaised with clients to guide through loan closing process and skillfully handle any concerns.
- Monitored key dates to obtain information by deadlines.
- Prepared loan documents and explained terms to clarify loan conditions and requirements with applicants.
- Analyzed credit reports to assess risk and determine applicants' ability to repay loans.
- Communicated acceptance or rejection to applicants via mail, email, telephone or personal consultations.
- Collected and compiled paperwork such as title abstracts, insurance paperwork, loan files and tax histories.
Personal Banker
Ameris Bank
12.2019 - 04.2021
- Maintained compliance with bank policies and regulations while executing various financial transactions for customers.
- Utilized strong interpersonal communication skills during client interactions, resulting in increased trust and fostering long-lasting relationships.
- Assisted customers with setting up or closing accounts, completing loan applications, and signing up for new services.
- Generated new business by conducting thorough financial needs assessments and offering tailored products to clients.
- Improved customer satisfaction by providing personalized banking solutions and exceptional service.
- Monitored customer accounts to detect irregularities or suspicious activity.
- Explained account terms and conditions to customers.
- Responded to customer inquiries regarding new accounts and account services.
- Maintained high accuracy in transaction processing, ensuring client trust and financial security.
Leasing Professional
Concord Management
09.2018 - 09.2019
- Coordinated move-ins and move-outs efficiently, minimizing vacancy periods between tenants.
- Provided personalized tours of properties, showcasing unit features and amenities tailored to each prospect''s needs.
- Developed marketing materials to highlight property features and attract potential renters.
- Collaborated with maintenance teams to resolve tenant issues quickly, ensuring high satisfaction levels.
- Invited prospects to fill out application upon completion of property tour.
- Resolved conflicts between tenants regarding noise, encroachments, and parking.
- Participated in regular training sessions to stay updated on industry trends and best practices in property management.
- Maintained detailed records of tenant interactions, enabling effective communication across team members when addressing ongoing issues or requests.
- Introduced and monitored effective lease renewal programs to maintain high occupancy rates.
- Communicated effectively with owners, residents, and on-site associates.
Education
Loan Originator Course -
Capstone Institute
Atlanta11.2022
Loan Officer -
Xinnix Mortgage Academy
Alpharetta, GA05.2021
High School Diploma -
John F. Kennedy High School
The Bronx, NY06.2006
Skills
- Adaptability
- Written communication
- Conflict resolution
- File Organization
- Fluent in Spanish
- Minimal Supervision
- Prioritizing and planning
- Organizational skills
- Multitasking
- Attention to detail
- Customer service
- Teamwork and collaboration
- Administrative Support
- Regulatory compliance
- Loan applications
- Fast Learner
Languages
Spanish
Native or Bilingual
Timeline
Financial Services Officer
MyGeorgia Credit Union
03.2024 - 08.2024
Loan Officer
Motto Mortgage
09.2023 - 03.2024
Loan Officer
New American Funding
11.2022 - 09.2023
Loan Officer Assistant
New American Funding
04.2021 - 07.2022
Personal Banker
Ameris Bank
12.2019 - 04.2021
Leasing Professional
Concord Management
09.2018 - 09.2019
High School Diploma -
John F. Kennedy High School
Loan Originator Course -
Capstone Institute
Loan Officer -
Xinnix Mortgage Academy
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