Hailea Morningstar
Johnstown
Summary
Enthusiastic candidate with an extensive experience in customer service and the banking industry. Strong knowledge of banking services and regulations. Successful at managing multiple priorities and stressful situations with a positive and professional attitude. Reliable and hard worker.
Overview
9
9
years of professional experience
1
1
Certification
Work History
Senior Loan Partner
CrossCountry Mortgage
06.2023 - Current
- Communicated with clients, processing teams and other third parties to achieve prompt loan closings.
- Maintained high level of customer satisfaction by providing prompt and accurate loan status updates.
- Worked with underwriters to fix application problems and resolve issues.
- Followed up with clients on missing loan documents, providing guidance on best way to complete application process.
- Analyzed loan applications and credit reports to determine loan eligibility and risk level.
- Set up files using loan officer checklist and submitted on-time for processing.
- Maintained referral pipeline by reaching out regularly to real estate agents, referral partners, and past clients.
- Supported loan processing by compiling applicant documentation such as credit reports, employment verifications, and financial history paperwork.
Mortgage Loan Officer Assistant
Bank Of England
09.2022 - 06.2023
- Set up files using loan officer checklist and submitted on-time for processing.
- Maintained referral pipeline by reaching out regularly to real estate agents, referral partners, and past clients.
- Supported loan processing by compiling applicant documentation such as credit reports, employment verifications, and financial history paperwork.
- Assisted with timely loan closing and funding activities with efficient management of task checklists.
- Documented borrower's information in loan processing system and resolved any discrepancies.
- Worked with Loan Officer to create application profile in system and review key information at various stages within process.
- Communicated with customers daily to request information and complete paperwork.
- Answered inquiries and provided superior customer service to clients.
- Liaised with clients to guide through loan closing process and skillfully handle any concerns.
- Analyzed credit reports to assess risk and determine applicants' ability to repay loans.
- Tracked loan status and updated applicant information to inform lenders of changes to applicants' financial situation.
- Calculated debt-to-income ratios to determine maximum loan amounts and avoid overextending applicants.
- Contacted customers via mail, telephone and email to relay acceptance or rejection of applications.
Teller Team Lead
Northwest Bank
04.2018 - 09.2022
- Handle cash transactions, balanced cash drawers, performed teller transactions such as deposits, withdrawals, loan payments, issuing of money orders and cashiers checks, ordering checks
- Adhered to strict guidelines regarding financial and customer data to avoid breaches and information misuse.
- Increase knowledge of banking products and services by actively participating in available training classes and workshops offered to employees.
- Supervise the teller line and trains new employees
- Audit and operationally strong
- Balance vault daily, ATM weekly, and run transactions
- Comfortable with large amounts of money
- Customer service oriented
- Ordered bank supplies
- Work closely with back office departments
- Handle daily team scheduling and properly staffed shifts.
- Met or exceeded sales goals by promoting bank products and services in customer interactions.
- Serve large number of customers during high volume shifts and remain composed and professional in stressful situations.
- Enforce company policies and procedures to strengthen operational standards across departments.
- Collaborate with manager to develop strategies for achieving sales and profit goals.
- Led employee performance evaluations and rewarded top performers to retain quality personnel.
- Recruit and hire qualified candidates to fill open positions.
- Delegate daily tasks to team members to optimize group productivity.
- Answer customer inquiries regarding account balances, transaction history, services charges, and interest rates.
- Balance cash drawer daily and resolved discrepancies to provide accurate data regarding cash flow.
Teller
First Commonwealth Bank Corporation
03.2017 - 03.2018
- Researched and resolved customer issues on personal savings, checking and lines of credit accounts.
- Opened new checking, savings and lines of credit for customer accounts.
- Issued and redeemed money orders, cashier checks, traveler's checks and savings bonds.
- Used a strong knowledge of banking products and services to confidently educate customers about features, benefits and pricing.
- Delivered exceptional service to customers in person or over telephone.
- Handled cash transactions, balanced cash drawers, performed loan payments and issued cashier's checks.
Key Holder
Hallmark
06.2014 - 06.2017
- Supervised bank deposits and security procedures to support store opening and closing.
- Trained and helped supervise staff to develop and maintain store revenue, team customer service skills and product knowledge.
- Coordinated floor moves, merchandising and display maintenance and monitored floor stock to keep popular items available to buyers.
- Accomplished sales goals by engaging customers, delivering top-notch service and promoting special items.
- Partnered with store leadership team to learn and understand management processes and reports.
- Managed stock demands and employee shift schedules and adapted professionally to unexpected changes.
- Developed extensive product knowledge, growing revenue and building consumer base.
- Protected store assets by assisting with audits, routine cycle counts and physical inventory.
- Collaborated with management to determine key tasks and delegate to staff members.
- Asked open-ended questions to learn about customers' needs and escorted to merchandise locations.
- Worked with store management to identify opportunities to drive business and increase sales and profits.
- Complied with policies and procedures to minimize shrinkage.
- Operated cash register.
- Opened and closed store in absence of senior managers.
- Signed for incoming shipments in manager's absence.
Education
High School Diploma -
Richland High School
Johnstown, PA06.2012
Skills
- Attention to Detail
- Teamwork and Collaboration
- Analytical Thinking
- Problem-Solving
- Work Planning and Prioritization
- Issue Resolution
- Security Knowledge
- Customer Service-Oriented
Certification
- Introduction to Microsoft Excel
- Foundations: Data, Data, Everywhere
- Federal NMLS: 1654766
Timeline
Senior Loan Partner
CrossCountry Mortgage
06.2023 - Current
Mortgage Loan Officer Assistant
Bank Of England
09.2022 - 06.2023
Teller Team Lead
Northwest Bank
04.2018 - 09.2022
Teller
First Commonwealth Bank Corporation
03.2017 - 03.2018
Key Holder
Hallmark
06.2014 - 06.2017
High School Diploma -
Richland High School
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