Summary
Overview
Work History
Education
Skills
Timeline
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Rachel Clark

Mortgage Loan Specialist
HAMPSTEAD

Summary

Experienced Sr. Mortgage Loan Specialist with expertise in loan origination and relationship management. Proven track record of enhancing client satisfaction and streamlining processes, resulting in increased efficiency. Adept at coordinating with stakeholders to ensure smooth transactions and timely closings, fostering strong partnerships that drive business growth.

Offering solid foundation in finance and customer service with readiness to learn and grow in mortgage industry. Produces accurate financial documentation and delivers excellent client communication. Ready to use and develop analytical and organizational skills in a new role.

Overview

22
22
years of professional experience

Work History

Sr. Mortgage Loan Specialist

M&T Bank
03.2020 - 04.2025


  • Negotiated favorable terms for both borrowers and lenders by leveraging industry expertise and market knowledge.
  • Identified opportunities for efficiency improvements within the department, implementing changes that enhanced overall productivity levels.
  • Enhanced client satisfaction by delivering personalized service and consistently meeting deadlines for loan processing and closing.
  • Managed a pipeline of mortgage applications, prioritizing tasks based on urgency and importance.
  • Coordinated seamlessly with real estate agents, attorneys, title companies, and other stakeholders for smooth transactions.

Mortgage Loan Officer

M&T Bank
06.2016 - 03.2020
  • Enhanced client retention by providing outstanding service throughout the mortgage process, from pre-approval to closing.
  • Streamlined the loan application process for improved customer satisfaction and a higher volume of closed loans.
  • Developed strong partnerships with local real estate agents to generate consistent referral sources for mortgages.
  • Communicated with clients, processing teams and other third parties to achieve prompt loan closings.
  • Assessed borrowers'' financial situations to determine appropriate mortgage products and loan structure.
  • Collaborated with underwriting and processing teams to resolve issues and expedite loan approvals.

Assistant Branch Manager

M&T Bank
01.2003 - 06.2016
  • Supported the Branch Manager with daily tasks, ensuring smooth branch functioning and effective communication amongst team members.
  • Trained and developed new team members in alignment with branch service standards and objectives.
  • Trained and mentored new employees, fostering a positive work environment that led to higher retention rates.
  • Responded to customer concerns, working with manager to significantly raise customer satisfaction ratings.
  • Assisted in achieving branch sales goals by identifying potential cross-selling opportunities and promoting bank products and services.
  • Coordinated staff schedules, maintaining optimal staffing levels during peak business hours for improved customer experience.

Education

High School Diploma -

North Carroll High School
Hampstead, MD
05.2001 -

Skills

    Loan servicing

    Document review

    Relationship management

    Loan processing

    Credit analysis

    Loan origination

    Closing coordination

    Desktop underwriter expert

Timeline

Sr. Mortgage Loan Specialist

M&T Bank
03.2020 - 04.2025

Mortgage Loan Officer

M&T Bank
06.2016 - 03.2020

Assistant Branch Manager

M&T Bank
01.2003 - 06.2016

High School Diploma -

North Carroll High School
05.2001 -

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Rachel ClarkMortgage Loan Specialist