Marijana Obradovic
Falls Church
Summary
Member-focused, results-driven, seasoned leader with 14 years of superior performance in financial roles. Noted for strong leadership skills, adept at coaching staff to increase productivity and member satisfaction.
Drive sales growth through effective sales techniques by offering tailored financial solutions and providing remarkable customer service.
Seeking to leverage broad lending expertise, operational knowledge, and team-development skills to contribute to a high-performing branch environment.
Overview
15
15
years of professional experience
1
1
Certification
Work History
Home Equity Underwriter IV
CommonWealth One Federal Credit Union
Alexandria
01.2020 - Current
- Timely and accurately decision home equity and consumer loans within assigned authority levels, ranging from $50K for unsecured loans to $500K for home equity loans in accordance with Lending Policies and Fair Lending requirements
- 1st Home Equity Underwriter to bring to closing $3 million in home equity loans surpassing monthly goal in September 2021, and gain recognition at the executive level for outstanding performance
- Cultivate advantageous relationships with our Third-Party Partners to effectively introduce real estate business opportunities and drive valuable client referrals for financing solutions
- Evaluate marginal loan applications to recommend alternative lending products, review exception requests, and develop counteroffers in alignment with underwriting guidelines and credit policy
- As the sole Credit Union Home Equity Underwriter and Processor, play a crucial role in developing and updating home equity processes and procedures, provide feedback to Real Estate Lending Manager and recommend improvements
- Conduct comprehensive analysis of complex financial data to verify income. Exhibit robust expertise in reviewing self-employed and rental income. Perform in depth income analysis of personal, business tax returns
- Develop optimal loan structures to meet members needs while mitigating risk to the Credit Union
- Review and analyze appraisal, title, and flood reports. Efficiently resolve any issues and discrepancies
- Coordinate home equity closings, prepare loans for funding, including the distribution of funds
- Service funded home equity loans, respond to inquiries regarding loan activities and interest payments
- Foster strong relationships with members through integrity serving as their go-to advisor for all financial needs. Identify trends in borrower behavior to improve portfolio management
Mortgage Processor
Navy Federal Credit Union
Vienna
07.2019 - 01.2020
- Reviewed in detail mortgage loans for completeness ensuring compliance with NFCU guidelines, state, and federal regulations. Reviewed DU findings and sales contracts for contingencies and deadlines
- Collected and analyzed information about members' financial situation, tolerance for risk, cash flow, and credit history. Verified and documented income, assets, reserves
- Possessed comprehensive knowledge of NFCU mortgage products to expertly educate members on lending options, while consistently delivering outstanding customer service and ensuring follow-through
Assistant Branch Manager
CommonWealth One Federal Credit Union
Alexandria
10.2017 - 07.2019
- Led team members by example to deliver exceptional customer experiences and provide meaningful value to our members
- Developed and promoted Specialists through coaching and training for future growth. Prepared reports to be used for cross-selling purposes increasing branch productivity and consistently meeting goals
- Partnered with departments on system upgrades, improvements, and policy development. Analyzed data to identify trends and improve processes in account and loan servicing
- Conducted internal branch audits to stay compliant and identify and mitigate fraud and risk
Loan Advisor
Arlington Community Federal Credit Union
Arlington
10.2016 - 10.2017
- Originated loans by interviewing applicants to compile critical information regarding loan needs, earnings, collateral
- Consistently achieved high quality control scores by delivering complete applications with minimal errors
- Prepared and reviewed all loan documents for completeness and accuracy, and funded loans
- Analyzed and monitored loan activities to ensure accuracy and resolved discrepancies in loan data
Assistant Branch Manager
PenFed Credit Union
Woodbridge
04.2011 - 08.2016
- Supervised daily branch operations. Maintained, and balanced Vault, ATMs, TCRs, Coin Machines. Reconciled discrepancies
- Resolved complex balancing and account maintenance problems. Professionally and tactfully handled escalated situations
- Played a key role in achieving and maintaining a Net Promoter Score of 90+, demonstrating exceptional member satisfaction and loyalty
Education
Bachelor's degree - English Language and Literature
University of Belgrade
Belgrade, Serbia06.2003
Skills
- Microsoft Office proficiency
- CBCA certification
- Meridian Link, Symitar, Fiserv
- Decision making
- Problem-solving
- Effective sales skills
- Risk assessment expertise
- Collaborative teamwork
- Team development
- Conflict resolution
- Influencing business growth
- Building strong relationships
Certification
Commercial Banking & Credit Analyst certificate- Corporate Finance Institute
Timeline
Home Equity Underwriter IV
CommonWealth One Federal Credit Union
01.2020 - Current
Mortgage Processor
Navy Federal Credit Union
07.2019 - 01.2020
Assistant Branch Manager
CommonWealth One Federal Credit Union
10.2017 - 07.2019
Loan Advisor
Arlington Community Federal Credit Union
10.2016 - 10.2017
Assistant Branch Manager
PenFed Credit Union
04.2011 - 08.2016
Bachelor's degree - English Language and Literature
University of Belgrade