Summary
Overview
Work History
Education
Skills
Certification
Timeline
Generic

Tricia Galczynski

Saint Charles

Summary

Licensed Mortgage Loan Originator with 6 years of experience guiding clients through the full mortgage process, from pre-qualification to closing. Committed to delivering exceptional service while helping clients secure financing that fits their financial goals.

Overview

11
11
years of professional experience
1
1
Certification

Work History

Mortgage Loan Originator

Lutheran Church Extension Fund
St. Louis
08.2019 - Current
  • Consults with clients to assess financial needs
  • Pre-qualify borrowers by analyzing credit reports, income documentation, and debt-to-income ratios
  • Conduct rate lock management, disclosures and closing coordination in accordance with all applicable state and federal lending laws, via the mortgage loan origination software system, Encompass
  • Generate and manage a pipeline of loan applications, maintaining communication throughout the entire process from application to closing
  • Educate borrowers on loan terms, rates and underwriting requirements, ensuring full regulatory compliance
  • Collect and review all required documentation to ensure timely submission

Loan Specialist I

Lutheran Church Extension Fund
St. Louis
02.2017 - 08.2019
  • Reviewed corporate documents and prepared resolutions
  • Prepared approval letters and closing packages for all loan types, including modifications
  • Ensured all loans are processed on time
  • Ordered and reviewed title commitments, insurance and flood certifications
  • Prepared and requested check and wire transfers for loan disbursement
  • Responsible for reporting monthly to management and Senior leadership

Default Management Resolution Specialist

US Bank
Earth City
04.2016 - 01.2017
  • Review, research and analyze customer complaints
  • Develop and present recommendations for remediation
  • Determine which compliance, risk, and legal approvals are required
  • Investigate to determine source, problem type and complexity
  • Convey results of investigation to customers via detailed written documentation
  • Meet strict deadlines and key metrics including acknowledgment, resolution, and compliance reviews
  • Escalate necessary action to business line management
  • Use of high-level analytical skills and complex problem solving are required

Mortgage Assistance Point Specialist

US Bank Home Mortgage
Earth City
09.2014 - 04.2016
  • Provides a point of contact for assistance with loss mitigation and foreclosures.
  • Reviews assistance programs and provides available options to borrowers.
  • Provides updates and information regarding loss mitigation and foreclosure alternatives to borrowers.
  • Obtains required documentation for disposition and retention options, per investor guidelines.
  • Engages customers via inbound and outbound communication.
  • Performs all duties based on a thorough knowledge of regulatory and compliance requirements.

Education

High School Diploma -

St. Charles West Hight School
Saint Charles, MO
06-2001

St. Charles Community College
Saint Charles, MO

Skills

  • Loan origination
  • Credit analysis
  • Regulatory compliance
  • Pipeline management
  • Customer education
  • Financial documentation

Certification

  • NMLS Licensed

Timeline

Mortgage Loan Originator

Lutheran Church Extension Fund
08.2019 - Current

Loan Specialist I

Lutheran Church Extension Fund
02.2017 - 08.2019

Default Management Resolution Specialist

US Bank
04.2016 - 01.2017

Mortgage Assistance Point Specialist

US Bank Home Mortgage
09.2014 - 04.2016

High School Diploma -

St. Charles West Hight School

St. Charles Community College

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Tricia Galczynski