REGENE RYGOL

• Operated cash register for cash, check, and credit card transactions with excellent accuracy levels.
• Welcomed and engaged customers, offering assistance with locating or retrieving merchandise.
• Worked flexible schedule and extra shifts to meet business needs.
• Facilitated cash, check and credit transactions on cash register with [Number]% accuracy.
• Answered questions about store policies and addressed customer concerns.
• Maintained clean and safe shopping environment, promptly cleaning spills and ensuring aisles were clear.
• Assisted in training new hires, sharing knowledge and best practices for front end operations.
• Reduced instances of shoplifting by vigilantly monitoring store floor and working closely with security.
• Streamlined checkout process, reducing wait times for customers by efficiently handling transactions and bagging items.
• Provided exceptional customer service, quickly addressing and resolving customer inquiries and complaints.
• Boosted customer loyalty, remembering regular customers' names and preferences.
• Fostered positive shopping experience, greeting customers with smile and offering help in locating products.
• Enhanced store appearance by organizing products and ensuring shelves were always fully stocked.
• Engaged in friendly conversation with customer to better uncover individual needs.
• Developed strong rapport with customers and created positive impression of business.
• Listened to customer needs and desires to identify and recommend optimal products.
• Prioritized helping customers over completing other routine tasks in store.
• Provided exceptional services and pleasant shopping experiences to retail customers.
• Stocked merchandise, clearly labeling items, and arranging according to size or color.
• Built customer loyalty and retention by delivering excellent shopping experiences.
• Monitored customers for signs of security concerns and escalated issues to management.
• Performed cash, card, and check transactions to complete customer purchases.
• Maintained up-to-date knowledge of store sales, payment policies and security standards.
• Helped customers complete purchases, locate items, and join reward programs.

• Set-up loan file and Input loan information into Loan Processing System

• Ordered credit report, appraisal, title work and other necessary documents

• Analyzed pay stubs, bank statements, appraisal, credit report and all other needed documents Resolved any issues that may arise during loan process

• Organized and submitted loan package to underwriting for approval within lock periods

• Collected any approval conditions required by underwriting and re-submit loan for final approval

• Prepared loan file for closing and submit to closing

• Kept contact with borrowers and provide updates during loan process

• Identified real estate agents and consumers. Informed them of features and benefits of loan programs and qualified borrowers and took applications

• Successfully “opened up” the Mid-Atlantic for a major lender, aided mortgage company approvals, conducted sales meetings and provided overall troubleshooting on any loans during approval and closing process

• Knowledge of FHA, VA, FNMA and FHLMC guideline

• Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
• Managed a high volume of loan applications, consistently meeting or exceeding established processing timeframes for both new loans and refinancing.
• Handled any conditions sent from underwriting departments.
• Contributed to the success of the mortgage team by providing essential support in the areas of loan documentation review, data entry, and client communication.
• Prepared file for final clear-to-close by branch management.
• Maintained accurate records of loan processing activities and documents in CRM system.
• Coordinated closing process with attorneys, title companies, and government clerks.
• Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
• Improved overall organizational efficiency by maintaining accurate electronic files of all mortgage-related documents within company databases.
• Processed mortgage loan applications accurately and successfully for over [Number] years.
• Reviewed financial statements and contacted institutions and customers to clarify details.
• Assisted underwriters in approving loans by verifying financial information and ensuring accurate documentation.
• Optimized workflow management by prioritizing high-priority tasks and meeting strict deadlines consistently.
• Ensured compliance with federal lending regulations through meticulous attention to detail during the loan processing phase.
• Communicated with originator and applicant concerning progress of loan file.
• Developed strong working relationships with real estate agents, further expanding referral networks for the company.
• Analyzed borrower credit reports and income statements to verify accuracy.
• Contributed to business growth through diligent work on complex loan applications that resulted in successful closings.
• Upheld complete confidentiality of all submitted information according to release guidelines.
• Facilitated smooth closing processes by collaborating effectively with title companies, appraisers, and attorneys.
• Reduced loan application errors by implementing a thorough quality control process for all submitted applications.
• Enhanced client satisfaction by providing timely updates on their mortgage loan status and addressing concerns promptly.
• Provided exceptional customer service while guiding borrowers through the entire loan process from pre-qualification to closing.
• Expedited mortgage approval times by proactively resolving any discrepancies in borrower documentation.
• Set up and completed loan submission packages.
• Developed comprehensive understanding of loan processing regulations and laws to be fully compliant.
• Mitigated risk exposure for the organization through careful evaluation of applicant creditworthiness before proceeding with the loan process.
• Boosted team efficiency by training new Mortgage Loan Processors on company policies, procedures, and software systems.
• Increased accuracy of loan data entry by implementing a standardized template for collecting borrower information.
• Educated customers on loan services and regulations to confirm compliance.
• Improved loan processing time by streamlining the application review process and enhancing communication with clients.
• Contributed to positive workplace environment, assisting colleagues with challenging cases and offering solutions.
• Strengthened relationships with clients, following up after loan closure to ensure satisfaction and address any further needs.
• Maintained high level of customer satisfaction by providing detailed explanations of loan terms and answering inquiries promptly.
• Improved processing timelines, diligently tracking each loan's progress and identifying bottlenecks.
• Increased team productivity, sharing best practices and insights from complex loan processing scenarios.
• Ensured data integrity, meticulously entering loan information into database and updating records as necessary.
• Enhanced client trust, explaining complex loan products in understandable manner and guiding them through application process.
• Achieved high levels of accuracy in document processing, double-checking details against application requirements.
• Ensured client confidentiality and security of personal information, adhering to strict data protection protocols.
• Supported regulatory compliance, staying abreast of changes in mortgage lending laws and implementing necessary adjustments.
• Improved approval rates with comprehensive background and credit checks on all mortgage applications.
• Enhanced loan processing efficiency by meticulously reviewing and verifying applicants' financial documents.
• Expedited closing processes, coordinating effectively with attorneys, real estate agents, and borrowers.
• Mitigated financial risks, conducting in-depth analysis of applicants' financial stability and potential for repayment.
• Collected and compiled paperwork such as title abstracts, insurance paperwork, loan files and tax histories.
• Verified credit histories, personal references and employment backgrounds for each applicant.
• Calculated debt-to-income ratios to determine maximum loan amounts and avoid overextending applicants.
• Analyzed credit reports to assess risk and determine applicants' ability to repay loans.
• Reviewed and validated details of loan applications and closing documentation.
• Contacted customers via mail, telephone and email to relay acceptance or rejection of applications.
• Stayed up to date on loan regulation changes, processing loan applications in compliance with current laws.
• Liaised with credit bureaus, employers and other sources to check applicants' credit and personal references.
• Consulted with outside vendors to identify and resolve loan closing issues.
• Affirmed loan document accuracy to protect lenders from potential fraud.
• Readied Truth-in-Lending Disclosures for loan applicants, delivering important information about loan APR and repayment terms.
• Interviewed loan applicants to obtain personal and financial data to assist in completing applications.
• Set up, stored and updated customer files, department records and regulatory paperwork.
• Confirmed applicants met lender requirements to repay loans by reviewing applications to determine eligibility.
• Tracked loan status and updated applicant information to inform lenders of changes to applicants' financial situation.
• Calculated, reviewed and corrected errors on interest, principal and closing costs.
• Provided professional advice on loan applications by interviewing applicants, reviewing applications and verifying information gathered.

Outgoing, enthusiastic, professional, and good sense of humor
Love to have fun, but take my responsibilities seriously
Excellent communication skills; able to start up a conversation with strangers
Physically capable of being on your feet for hours at a time
Reliable transportation to get to/from events

I excel at building community and relationships with prospective customers, and I’m looking to utilize that skill-set for an exciting and growing brand.

• Ensured accurate representation of the brand by maintaining consistent messaging and visuals across all promotional materials and presentations.
• Enhanced brand recognition by executing promotional events and engaging customers with product demonstrations.
• Increased positive word-of-mouth referrals through genuine, personalized customer interactions and excellent product knowledge.

• Combined customer service with administrative tasks to enhance the vacation planning experience.
• Guided guests in purchasing vacation packages while promoting additional services and products.
• Built strong customer relationships by providing tailored travel recommendations based on individual interests.
• Implemented strategic sales plans that contributed to a significant increase in revenue.
• Adapted communication style to meet customer preferences, enhancing overall satisfaction.
• Created a welcoming environment for clients, leading to repeat business and referrals.
• Resolved client issues promptly and professionally, maintaining high levels of customer satisfaction and repeat business.
• Increased agency revenue by upselling additional services such as excursions, tours, and travel insurance when appropriate.
• Promoted dedicated customer service and support by promptly resolving customer complaints.
• Asked open-ended questions to better ascertain client needs and determine best international travel offerings.

• Managed day-to-day business operations.
• Developed and maintained strong relationships with clients, resulting in repeat business and referrals.
• Increased customer satisfaction by implementing efficient business processes and providing exceptional service.
• Consulted with customers to assess needs and propose optimal solutions.
• Managed financial aspects of the business, including budgeting, financial reporting, and tax preparation.
• Established a positive workplace culture that fostered employee engagement, collaboration, and loyalty.
• Established foundational processes for business operations.
• Organized and attended trade shows and special events to showcase products, network with other businesses and attract new customers.

• A highly experienced Cake Decorator Instructor with 4+ year of experience. Teaching the Wilton Method of Cake Decorating. This cake decorating style mainly uses butter cream. The Wilton Method allows beginners to move through different levels of expertise and design skills.
• I taught Beginner, Intermediate and Advanced classes.
• Instructed students in the art of creating various buttercream flowers i.e., roses. Pansies, etc. Also, ruffles, borders, writing, covering cakes with buttercream and Fondant techniques, stacking cakes, sugar flowers and many other artistic expressions in Fondant.
• .I taught in excess of 450 Students.
• Advanced Knowledge of Bakery Techniques
• Excellent Artistic Skills
• Creative Problem Solving
• Strong Interpersonal Skills
• Time Management
• High Attention to Detail
• Sanitation and Safety Protocols
• Became a licensed Baker in Virginia.

Motivated and knowledgeable Mortgage Loan Officer with 15 years of experience in the mortgage industry. Adept at providing exceptional customer service and guiding clients through the loan origination process. Proven track record of success in meeting deadlines and exceeding customer expectations. Currently pursuing the Certified Mortgage Banker designation.

Core Skills:
Interpersonal Relations
Loan Origination & Underwriting
Risk Assessment
Loan Structuring & Portfolio Management
Regulatory & Compliance
Financial Analysis & Reporting
Customer Service & Relationship Building

• Assisted clients in improving their credit scores and overall financial standing, increasing their chances of loan approval and favorable terms.
• Collaborated with different lenders to find best possible deal for homebuyers.
• Explained entire mortgage loan process to borrower.
• Assessed clients' financial data to determine loan suitability.
• Implemented efficient documentation practices that expedited processing times while ensuring compliance with industry regulations.
• Assisted clients in understanding complex mortgage terms and conditions, empowering them to make informed decisions about their home financing options.
• Facilitated smooth communication between all parties involved in transactions, resulting in successful loan closings and satisfied clients.
• Exceeded sales targets by cultivating strong relationships with real estate professionals, generating a steady stream of referral business.
• Conducted comprehensive financial assessments to determine borrower eligibility for various loan programs, optimizing client outcomes.
• Delivered educational presentations on mortgage topics at local events or workshops, raising community awareness of available home financing options.
• Ensured exceptional customer service by maintaining consistent communication throughout the entire loan origination process.
• Enhanced client satisfaction by providing personalized mortgage solutions tailored to individual financial needs.
• Developed strategies to retain existing clients and maintain long-term connections, fostering customer loyalty and repeat business opportunities.
• Streamlined the loan application process for faster approvals and increased customer retention.
• Stayed up-to-date on current market trends and regulatory changes, ensuring accurate advice and guidance for clients navigating the mortgage landscape.
• Proactively identified potential obstacles within loan applications, taking corrective measures early on to minimize delays or complications during processing stages.
• Demonstrated excellent negotiation skills when working with underwriters to obtain favorable loan terms for borrowers in challenging situations.
• Evaluated borrower financial information, pay stubs and credit history to determine loan possibility.
• Established strong relationships with borrowers, which helped to forge new business opportunities.
• Collaborated with and facilitated communications between borrowers and lenders to obtain ideal loans for home purchases.
• Developed marketing strategies to consistently generate new leads and expand client base, driving business success.
• Provided ongoing support for past clients to maintain strong relationships and encourage referrals for future business opportunities.
• Evaluated loan requests and documents to verify accuracy and completeness.
• Processed loan applications and monitored progress from start to finish.
• Researched and updated industry knowledge on changing legislation and regulations.
• Assisted clients with improving financial health by counseling on issues such as excessive spending and borrowing.
• Approved loan applications based on customer creditworthiness and provided detailed financial advice.
• Developed and maintained relationships with customers, lenders and other third parties.
• Explained very technical financial information to applicants in easy to understand language.
• Identified opportunities to cross-sell and upsell loan products to customers.
• Negotiated loan terms and conditions with customers to secure best deal.
• Proactively identified solutions for customers experiencing credit issues.
• Monitored pipelines to track and log status of loans.
• Managed loan pipelines efficiently, promptly addressing any issues or concerns that arose during the mortgage process.
• Maintained a strong network of industry professionals, fostering valuable partnerships that benefited clients and business growth.