Crystal Sparks
Harrington
Summary
Dedicated and adaptable professional with a proactive attitude and the ability to learn quickly. Strong work ethic and effective communication skills. Eager to contribute to a dynamic team and support both organizational and community goals.
Overview
13
13
years of professional experience
Work History
Relationship Banker
Citizens Bank
LEWES
04.2017 - Current
- Served customers in a friendly, efficient manner following outlined steps of service.
- Executed wire transfers, stop payments and account transfers.
- Continually boosted branch production and revenue by consistently exceeding all monthly and quarterly lending sales goals.
- Cultivated customer loyalty, promoted repeat customers and improved sales.
- Leveraged sales expertise to promote products and capitalized on upsell opportunities.
- Landlord Liaison
Delaware Housing Authority
Dover
04.2024 - 10.2025
- Developed relationships with local landlords to promote available housing options.
- Coordinated housing resources for families in need of stable living conditions.
- Assisted clients with completing rental applications and documentation processes.
- Facilitated communication between tenants and property owners regarding lease agreements.
- Organized workshops to educate clients on tenant rights and responsibilities.
- Provided support in resolving tenant-landlord disputes through mediation techniques.
- Maintained accurate records of client interactions and housing placements in systems.
- Collaborated with community organizations to enhance housing support services offered.
- Maintained accurate records of all landlord agreements and contracts.
- Advised landlords about local laws pertaining to tenant rights, eviction processes.
Mortgage Loan Originator
Citizens Bank
Seaford
09.2020 - 02.2024
- Provided comprehensive mortgage loan guidance to potential borrowers.
- Analyzed financial data to assess loan eligibility and risk levels.
- Researched various loan products to identify optimal solutions for customers.
- Educated clients on loan options and the mortgage process for informed decision-making.
- Coordinated with underwriters to secure timely approvals and documentation.
- Reviewed borrower documents for accuracy and completeness during application processes.
- Developed strong client relationships through effective communication and trust building.
- Managed compliance with federal regulations throughout all transactions.
Realtor
Century 21 Home Team Realty
Seaford
01.2013 - 04.2017
- Assisted buyers with finding ideal homes by assessing needs, requirements and budgets.
- Educated clients on changing or updating properties, buying and selling techniques and processes to maintain curb appeal.
- Advised sellers on ways to increase curb appeal and make homes more appealing to potential buyers.
- Verified payment and loan paperwork for property sales by working closely with banks, buyers and sellers.
- Educated clients by delivering explanations of short sales processes, mortgage loan processing and foreclosures.
- Collaborated with mortgage companies to accurately determine loan and mortgage options for clients.
- Increased home sales through persuasion, negotiation and closing prowess.
- Negotiated contracts with buyers and sellers to maximize customer savings.
- Managed scheduled meetings to maintain satisfaction of both buyers and sellers and facilitate smooth purchases.
- Collaborated with attorneys, loan officers and agencies to complete property sales and purchases and thoroughly explained all financial requirements and data to potential buyers and sellers.
- Managed 30 rental properties and over 30 tenants, collecting payments and handling maintenance with great speed and accuracy.
- Educated clients looking to sell or buy on current market conditions, legal requirements, pricing and mortgages.
- Generated leads for sales and rental properties through cold calls and referrals.
Education
REAL ESTATE LICENSING
Delaware Technical And Community College - Owens
Georgetown, DE12-2012
Federal Fair Housing Compliance Training - A.J. Jo
A.J.JOHNSON CONSULTING SVCS
Wilmington, DESkills
- Relationship management
- Financial advising
- Business development
- Sales expertise
- Loan processing
- Negotiation skills
- Industry networking
- Sales and marketing strategies
- Responsibility and accountability
- Adaptability and flexibility
- Computer proficiency
- Mediation techniques
- Effective communication
- Team collaboration
- Time management skills
- Marketing strategies
- Administrative support services
- Legal compliance expertise
Timeline
- Landlord Liaison
Delaware Housing Authority
04.2024 - 10.2025
Mortgage Loan Originator
Citizens Bank
09.2020 - 02.2024
Relationship Banker
Citizens Bank
04.2017 - Current
Realtor
Century 21 Home Team Realty
01.2013 - 04.2017
REAL ESTATE LICENSING
Delaware Technical And Community College - Owens
Federal Fair Housing Compliance Training - A.J. Jo
A.J.JOHNSON CONSULTING SVCS