Alia Kader Abujder
Modesto
Summary
Dynamic leader with a proven track record in the background of my employment, adept in customer service and business development. Excelled in client satisfaction, boosting loyalty through innovative marketing initiatives and strategic employee development. Achieved significant growth in client referrals and loan approvals by leveraging decision-making and problem-solving skills.
Overview
24
24
years of professional experience
Work History
Salon Manager
Wavemaker Salon & Spa
10.2016 - 07.2024
- Controlled inventory by tracking expenses, purchases, and shelf stock.
- Managed cash flow, business transactions, banking, and accounting processes.
- Optimized work shifts, managed staff schedules, and ensured adequate coverage during peak hours to maintain exceptional customer service levels.
- Resolved customer concerns promptly and efficiently to maintain a strong reputation within the local community.
- Scheduled employees to maintain adequate coverage during business hours.
- Oversaw salon employee performance, facility cleanliness, and sales.
- Maintained a clean and welcoming salon environment through regular maintenance, organization, and attention to detail.
- Maintained general appointment calendar and set shift schedules.
- Built business through commitment to excellent customer service, resulting in customer loyalty and retention.
- Managed financial aspects of the salon, including budgeting, payroll processing, and inventory management.
- Coached and trained employees to optimize performance and achieve demanding business objectives.
- Increased staff productivity by providing ongoing training, motivation, and performance evaluations.
- Grew customer numbers and boosted loyalty with strategic engagement and marketing strategies.
Mortgage Loan Officer
United Lending
04.2009 - 12.2014
- Assisted clients in selecting correct loan product and terms to meet needs and financial goals.
- Enhanced client retention by providing outstanding service throughout the mortgage process, from pre-approval to closing.
- Collaborated with underwriting and processing teams to resolve issues and expedite loan approvals.
- Analyzed loan applications and credit reports to determine loan eligibility and risk level.
- Followed up with clients on missing loan documents, providing guidance on best way to complete application process.
- Delivered timely updates on loan status, communicating proactively with all parties involved in each transaction.
- Communicated with clients, processing teams and other third parties to achieve prompt loan closings.
- Participated in industry events and conferences to build relationships and gain market intelligence.
- Developed extensive network of referral partners to source new mortgage loan opportunities.
- Increased loan approval rates by efficiently managing pipeline and maintaining strong relationships with borrowers, realtors, and underwriters.
- Assessed borrowers'' financial situations to determine appropriate mortgage products and loan structure.
- Managed risk effectively by adhering closely to compliance guidelines during all stages of the loan origination process.
- Developed and implemented marketing campaigns to generate new business opportunities.
- Customized marketing materials aimed at attracting potential mortgage applicants within specific target markets.
- Participated in ongoing professional development programs to continuously expand knowledge of the mortgage industry and enhance skills as a loan officer.
- Negotiated favorable terms on behalf of clients, ensuring their long-term financial success with their mortgage loans.
- Reviewed loan files and updated to match current standards.
- Negotiated loan terms and conditions with clients to maximize profitability.
- Maintained a comprehensive knowledge of current industry trends and regulatory changes to provide expert guidance for clients.
- Implementing effective time management techniques allowed me to consistently exceed monthly sales targets while maintaining high-quality customer service standards.
- Developed strong partnerships with local real estate agents to generate consistent referral sources for mortgages.
- Explained different types of loans pertaining to client situations.
- Checked loan documents for accuracy prior to closing.
Mortgage Loan Officer
Countrywide Lending
11.2006 - 02.2009
- Conducted thorough market research to identify new business opportunities within target demographics.
- Assisted clients in selecting correct loan product and terms to meet needs and financial goals.
- Enhanced client retention by providing outstanding service throughout the mortgage process, from pre-approval to closing.
- Collaborated with underwriting and processing teams to resolve issues and expedite loan approvals.
- Analyzed loan applications and credit reports to determine loan eligibility and risk level.
- Followed up with clients on missing loan documents, providing guidance on best way to complete application process.
- Delivered timely updates on loan status, communicating proactively with all parties involved in each transaction.
- Communicated with clients, processing teams and other third parties to achieve prompt loan closings.
- Participated in industry events and conferences to build relationships and gain market intelligence.
- Developed extensive network of referral partners to source new mortgage loan opportunities.
- Increased loan approval rates by efficiently managing pipeline and maintaining strong relationships with borrowers, realtors, and underwriters.
- Assessed borrowers'' financial situations to determine appropriate mortgage products and loan structure.
- Managed risk effectively by adhering closely to compliance guidelines during all stages of the loan origination process.
- Developed and implemented marketing campaigns to generate new business opportunities.
- Customized marketing materials aimed at attracting potential mortgage applicants within specific target markets.
- Participated in ongoing professional development programs to continuously expand knowledge of the mortgage industry and enhance skills as a loan officer.
- Negotiated favorable terms on behalf of clients, ensuring their long-term financial success with their mortgage loans.
- Reviewed loan files and updated to match current standards.
- Negotiated loan terms and conditions with clients to maximize profitability.
- Maintained a comprehensive knowledge of current industry trends and regulatory changes to provide expert guidance for clients.
- Implementing effective time management techniques allowed me to consistently exceed monthly sales targets while maintaining high-quality customer service standards.
- Developed strong partnerships with local real estate agents to generate consistent referral sources for mortgages.
- Explained different types of loans pertaining to client situations.
- Checked loan documents for accuracy prior to closing.
- Streamlined the loan application process for improved customer satisfaction and a higher volume of closed loans.
- Organized educational seminars for prospective homebuyers, increasing company visibility in the community.
- Worked with underwriters to fix application problems and resolve issues.
- Provided support during audits to ensure compliance with federal and state regulations, contributing to a strong company reputation.
- Promoted cross-selling opportunities within the organization by identifying additional financial products that would benefit clients beyond their mortgage needs.
- Fielded customer complaints and provided solutions.
- Mentored junior loan officers to improve team performance and meet organizational goals.
- Implemented customer relationship management software to track client interactions and identify opportunities for additional services.
- Expanded lender network to offer wider range of loan products, meeting diverse client needs more effectively.
- Collaborated with underwriting teams to ensure smooth loan approval processes, minimizing delays and client dissatisfaction.
- Fostered strong relationships with real estate professionals to generate consistent pipeline of referrals.
- Conducted detailed market analyses to stay ahead of industry trends and adjust loan offerings accordingly.
- Conducted comprehensive risk assessments for each loan application to minimize defaults, contributing to more robust loan portfolio.
- Maintained compliance with federal and state regulations, conducting thorough reviews and updates of loan documentation procedures.
- Developed and executed marketing strategies to attract new clients, significantly increasing market share.
- Optimized loan portfolio profitability by identifying and promoting high-value loan products tailored to client needs.
- Increased loan approval rates by meticulously evaluating applicant financial data and advising on best practices for credit improvement.
- Enhanced customer satisfaction with personalized mortgage counseling, leading to significant rise in client referrals.
- Reduced loan processing times, implementing automated systems for faster document verification.
- Boosted team morale and performance by leading training sessions on advanced mortgage products and compliance standards.
- Streamlined loan processing times, implementing efficient document management systems.
- Improved loan application accuracy, systematically reviewing and refining application processes.
Equity Loan Officer
U S Bank
09.2000 - 10.2006
- Assisted clients in selecting appropriate loan products for their needs, resulting in higher customer satisfaction.
- Maintained strict confidentiality of bank records and client information.
- Submitted loan applications to underwriter for verification and recommendations.
- Delivered exceptional customer service by promptly addressing client concerns and resolving issues as they arose during the lending process.
- Examined customer loan applications for loan approvals and denials.
- Developed strong relationships with customers through high levels of customer service.
- Educated potential clients on various loan options, guiding them towards informed decisions that fit their financial goals.
- Originated, reviewed, processed, closed, and administered customer loan proposals.
- Meticulously reviewed applicant documentation, ensuring accuracy and completeness prior to submission for underwriting approval.
- 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.
- Collaborated with underwriters to expedite loan approvals and close deals in a timely manner.
- Advised clients on mortgage, education and personal loans.
- Conducted thorough credit analysis to minimize risk exposure for the financial institution.
- Improved loan processing efficiency by streamlining application procedures and documentation requirements.
- Cultivated lasting relationships with satisfied clients that led to repeat business as well as referrals from friends or family members.
- Managed a diverse portfolio of loans while maintaining strong relationships with borrowers and referral partners.
- Collaborated with other departments to promptly process loan applications.
- Negotiated loan terms to provide favorable outcomes for both customers and lenders.
- Conducted comprehensive risk assessments for loan portfolios, resulting in balanced risk management.
Education
Cosmetology
Toni & Guy Cosmetologist Academy
Modesto, CA03.2016
Certificate - Real Estate
Midesto Junior College
Modesto, CA09.2002
Associate Of Applied Business - Business Management
Modesto Junior College
Modesto, CA05.1995
Skills
- Customer service
- Employee development
- Decision-making skills
- Problem-solving skills
- Client satisfaction
- Customer needs assessment
- Salon safety and security
- Training staff
- Client relations
- Business development
- Inventory controls
- Marketing initiatives
Timeline
Salon Manager
Wavemaker Salon & Spa
10.2016 - 07.2024
Mortgage Loan Officer
United Lending
04.2009 - 12.2014
Mortgage Loan Officer
Countrywide Lending
11.2006 - 02.2009
Equity Loan Officer
U S Bank
09.2000 - 10.2006
Cosmetology
Toni & Guy Cosmetologist Academy
Certificate - Real Estate
Midesto Junior College
Associate Of Applied Business - Business Management
Modesto Junior College
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