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Crystal Means

@crystalmeans

Mortgage lending professional at State Employees' Credit Union who handled underwriting, default servicing, and complex mortgage accounts.

United States

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At State Employees' Credit Union, I handled residential mortgage lending and underwriting from application through closing, including financial analysis, credit decisions, appraisal reviews, and closing coordination.

I also managed complex mortgage accounts involving delinquency, foreclosure, bankruptcy-related research, and financial hardship assistance. I reviewed mortgage files across three branches, conducted operational audits, and trained employees.

Experience

Work history, roles, and key accomplishments

Mortgage Collections & Default Servicing

State Employees' Credit Union

Jun 2022 - Jul 2026 (4 years 1 month)

Managed complex mortgage accounts including delinquency, foreclosure, bankruptcy-related research, and financial hardship assistance. Investigated payment discrepancies, interpreted escrow analyses, and coordinated resolutions with mortgage departments and attorneys.

Mortgage Servicing Loss Mitigation Escrow Analysis Customer Service Financial Analysis Problem Solving

Mortgage Lending & Financial Operations

State Employees' Credit Union

May 2016 - Jun 2022 (6 years 1 month)

Managed residential mortgage lending and underwriting from application through closing, including financial analysis, credit decisions, appraisal reviews, and closing coordination. Provided comprehensive member account services, financial counseling, and guidance involving banking products, credit, IRAs, and retirement accounts.

Mortgage Underwriting Credit Analysis Financial Analysis Appraisal Review Loan Quality Control Account Reconciliation Corporate Trainer Excel