Analyze credit reports and applications to determine applicant eligibility while identifying potential fraud.
Negotiate loan rates and terms for Indirect Auto/RV products.
Work with internal/external associates to resolve contract funding issues.
Partnered with Retail Client Managers to build, maintain, and expand dealer relationships.
Worked with Retail Sales division to provide education and knowledge to Loan Officers.
Worked closely with Associate Satisfaction Team to create new ways to create a more engaging experience for My-Work associates.
Loan Officer, 01/2011 - 01/2016 First Community Bank – Emporia, VA,
Managed a large pipeline of prospects and borrowers of about 90-150 clients in an extremely efficient manner.
Developed business through strong referral base by providing tenacious client follow-up and exceptional service.
Establishing lasting relationships and developed impressive database of clients through referrals.
Worked closely with Dealers, Underwriters, and Funders to ensure timely closing of loans.
Ensured full data collection, application completion, and client satisfaction.
Officer; Employee Banking Agent, 01/2009 - 01/2011 Bank Of America – City, STATE,
Answered inbound calls from associate customers and internal lines of business.
Assisted call center in achieving or exceeding service level objectives and key operational initiatives.
Acted as associate mentor to improve overall call efficiency.
Reviewed call quality reports to reveal potential audit risks and coaching opportunities.
Resolved problems by clarifying issues; researching and exploring answers and alternative solutions; implementing solutions; escalating unresolved problems.
Officer; Senior Personal Banker, 01/2004 - 01/2009 Bank Of America – City, STATE,
Opened new deposit accounts, facilitated origination/closing of Mortgage and Home Equity products.
Increased productivity through the utilization of off-site sales events within the community.
Aided in the development of Teller skills to uncover lead opportunities.
Finalized account maintenance requests for both consumer and commercial clients.
Assessed client needs and made recommendations of products and services accordingly.
Education
Bachelor of Science: Management, Expected in August 2018 - University of Phoenix - , GPA: Management
Associate of Business Degree: , Expected in December 2017 - College of Southern Nevada - , GPA: High Honors
Summary
Personable, tenacious and experienced banking professional with capabilities of risk assessment, analysis of income and credit statements, and ratings. High proficiency and accuracy in processing and completing loan process. Seeking to leverage skills and abilities, within Bank of America, where I can display an outstanding ability to plan, operate, multitask, organize, coordinate, and implement practices and procedures to bring significant improvements in processes towards the successful attainment of goals.
Skills
Analytical Skills, Banking, call center, closing, coaching, Interpersonal Skills, Good Communication Skills, credit, Client, clients, Customer Service Skills, data collection, database, Equity, Financial Analysis, mentor, Strong Organizational Skills, quality, researching, Retail, Retail Sales, Risk Management, Sales, Time Management
Additional Information
LEADERSHIP SKILLS Active Listening: Giving full attention to what other people are saying, taking time to understand the points being made, asking questions as appropriate, and not interrupting at inappropriate times. Complex Problem Solving: Identifying complex problems and reviewing related information to develop and evaluate options and implement solutions. Coordination: Adjusting actions in relation to others' actions. Critical Thinking: Using logic and reasoning to identify the strengths and weaknesses of alternative solutions, conclusions or approaches to problems. Judgment and Decision Making: Considering the relative costs and benefits of potential actions to choose the most appropriate one. Multitasking: Juggle multiple tasks and responsibilities while remaining composed and meeting deadlines.
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