Rachael Mason
Andover,MN
Summary
Highly passionate and motivated professional with 20 years of extensive work experience. Diverse skill set enables excellence in various roles. Exceptional multitasking abilities and strong customer service skills demonstrated in office environments. Instrumental in building positive relationships with clients and colleagues through effective communication and tact.
Overview
15
15
years of professional experience
Work History
Operations Assistant
Results Home Mortgage
10.2019 - Current
- Provide clerical and administrative support for the team, and office when needed
- Create and edit template emails, flyers and social media posts to foster existing and new relationships, keeping data up to date in our CRM
- Assist in entering sensitive client data into database to complete and prepare applications for underwriting review
- Efficiently collect financial and other confidential documents to support new and existing applications with exact accuracy
- Collaborated with other departments to foster smooth operation of daily processes.
- Manage approximately 25-30 files/month
Jr. Underwriter
Blaze Credit Union
12.2018 - 10.2019
- Utilize expertise and underwriting knowledge to render sound, common sense decisions based on analysis of loan parameters and documentation
- Assist the Sales Team on deal structuring, guidelines, questions, and scenarios as required
- Provide mentoring/coaching to the Processing Team to ensure conditions are met prior to final approval
- Analyze credit documents, including but not limited to, mortgage applications, credit history and income documents, title documents, appraisals, and all applicable compliance documents
- Analyze the risk of a loan transaction and provide justification and compensating factors to support loan decision
- Decision loans within assigned approval authority as determined Director of Real Estate
- Proficient in working within Encompass LOS
- Cross-sell additional lending products as appropriate
Mortgage Loan Processor
LeaderOne Financial
04.2016 - 01.2018
- Review application and collect all required documentation for the loan package, including: income, credit, assets, flood reports, title packages, homeowners insurance binders
- Run final AUS findings, including: DU, LPA and GUS
- Submit loan submission package to underwriter and subsequently satisfy all conditions
- Communicated effectively with loan officers, underwriters, closers and all other relevant 3rd parties
- Worked within a collaborative team environment to ensure timely approvals and closings for all files within my pipeline
- Proficient in working within Encompass LOS
Assistant Branch Manager II
SharePoint Credit Union
12.2014 - 04.2016
- Top producing branch manager, including: deposit accounts and services, consumer loans and fixed home equity loans and HELOC’s
- Proficiently cross-sold insurance add ons, including: GAP, Extended warranties and all payment protection plans
- Perform duties to generate new business and identify referral opportunities for business banking, investment and mortgage
- Balanced Vault and ATM daily, also covering teller-line as needed
- Managerial duties, including: interviewing, hiring, onboarding and training new and existing branch level tellers and consumer lenders
- Conducted monthly one-on-ones to address areas of opportunity and follow through on ongoing production to each person's goals/expectations
Loan Underwriting Officer
Center for Energy and Environment
01.2010 - 12.2014
- Point of contact for homeowners and contractors to educate and advise on possible loan options and down-payment assistance programs available
- Take credit applications both electronically and over the phone while structuring financing per their individual circumstances
- Reviewed and analyzed all income and credit documentation, including contract bids, to ensure program compliance
- Expert in construction financing, home improvement and energy loans, business financing and down-payment assistance programs for purchases
- Knowledge with all programs and funding sources, including: City, County, State and Federal programs, and the Minnesota Housing Financing Agency
Skills
- File organization
- Strong analytical skills
- Processing procedures
- Database management
- Regulatory compliance awareness
- Customer service-focused
- Document review
- Operational efficiency
- Underwriting principles
- Teamwork and collaboration
Timeline
Operations Assistant
Results Home Mortgage
10.2019 - Current
Jr. Underwriter
Blaze Credit Union
12.2018 - 10.2019
Mortgage Loan Processor
LeaderOne Financial
04.2016 - 01.2018
Assistant Branch Manager II
SharePoint Credit Union
12.2014 - 04.2016
Loan Underwriting Officer
Center for Energy and Environment
01.2010 - 12.2014
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