LiveCareer-Resume
Jessica
Claire
resumesample@example.com
(555) 432-1000,
Montgomery Street, San Francisco, CA 94105
:
Professional Summary

Hardworking Credit Manager enthusiastic about improving department policies, standardizing processes and increasing customer satisfaction by providing fast, knowledgeable and friendly financial services.

Skills
  • Policy application
  • Expertise in Microsoft Word & Excel
  • Investigations
  • Proficient in English
  • Credit reports
  • Fraud knowledge
  • Sales proficiency
  • Performance monitoring
  • Risk mitigation
  • Customer Service
  • Reading comprehension
  • Self-motivated professional
  • Relationship-Building
  • Responsible
  • Verbal and written communication
  • Data management
  • Conflict resolution
Education
Upike Pikeville, Expected in 06/2004 Master of Arts : Management - GPA :
Certifications
  • Patton Leadership Instutite through SEKY, - 2012
  • Licensed Notary - 2004-2014
  • Mortgage License - 2004-2018
  • Licensed Florida Real Estate - 2002
Work History
Nexa Mortgage - Corporate Account Credit Manager
Lincolnwood, IL, 0418201 - Current
  • Wrote and implemented standard operating procedures for credit personnel to achieve consistency in unit operations.
  • Oversaw all reporting, documentation and recordkeeping requirements for department.
  • Obtained and interpreted financial statements to assist in credit limit reviews.
  • Devised collection recovery strategies to resolve customer issues and delinquent cases.
  • Reduced past due balances and bad debt by coordinating collection efforts with customer service, sales and billing departments.
  • Performed semi-annual account credit limit reviews and credit increase review requests from financial service and sales teams.
  • Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
  • Negotiated settlements and payment terms with customers through [Action].
  • Referred delinquent accounts to collections department or outside resources.
  • Used Safer and Equifax to perform credit appraisals, document verification and loan approvals.
  • Investigated and evaluated customers for creditworthiness and potential risk factors.
  • Developed strategies to expedite payments and customer resolutions.
  • Reviewed and analyzed loan procedures.
  • Utilized deep understanding of industry best practices and legal requirements to prevent critical incidents.
  • Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.
  • Collaborated with management to evaluate credit strategies and develop improvements.
  • Work cross-functionally with sales, management and other departments to maintain effective operations.
  • Streamlined processes for early identification of potential credit system and monitoring problems.
  • Collected data and performed trend and variance analysis to mitigate risk arising from bad debt.
  • Reported key performance indicators to department heads for management of positive cash flow and to adjust credit risk policies and procedures.
  • Provided resources and expertise for conversion, validation and training required for company-wide software updates.
Stanley Black & Decker, Inc. - Mortgage Loan Officer
Homer, AK, 7152015 - 4152018
  • Reviewed loan files and updated to match current standards.
  • Worked with underwriters to fix application problems and resolve issues.
  • Planned and dealt with payment schedules.
  • Explained different types of loans pertaining to client situations.
  • Fielded customer complaints and provided solutions.
  • Successfully closed average of $600,000 loans per month.
  • Reviewed over Corporate and Individual financial statements per year.
  • Reviewed and edited loan agreements to promote efficiency and accuracy.
  • Originated, reviewed, processed, closed and administered customer loan proposals.
  • Complied with regulatory requirements, including Bank Secrecy Act, Anti Money Laundering, OFAC, USA Patriot Act, Privacy Act and Community Reinvestment Act.
  • Developed prospects for new loans by conducting 10 cold calls weekly.
  • Developed and maintained relationships with local real estate agents.
  • Recommended loan approvals and denials based on customer loan application reviews.
  • Compiled database of loan applicants' credit histories, corporate financial statements and other financial information.
  • Led projects and analyzed data to identify opportunities for improvement.
Physician Recruiter - Pikeville Medical Center
City, STATE, 1015201 - 7012014
  • Operated and maintained applicant tracking and candidate management systems.
  • Generated specific candidate pool for career opportunities through strategic placement of advertisements, evaluation of applicant credentials, and conducting initial interviews and pre-screening assessments.
  • Pre-screened resumes prior to sending to corporate hiring managers for consideration.
  • Conducted [Number][Number] recruiting events per [Timeframe] to grow passive talent pipeline to prepare for future hiring needs.
  • Conducted 30 recruiting events per year to grow passive talent pipeline to prepare for future hiring needs.
  • Verified applicant references and employment details.
  • Scheduled and conducted 3 interviews each week.
  • Tracked candidates and pushed for feedback on disqualifications, time-to-fill statistics and other variables.
  • Established reputation among leading Medical organizations for possessing extensive candidate network and successful placement of Physicians specialists.
  • Developed lists of qualified candidates for corporate hiring managers.
  • Collaborated with teammates to develop and integrate workforce planning, analysis and solutions.
  • Developed and deepened relationships with college campus representatives to meet with graduating seniors for recruitment.
  • Maintained in-depth understanding of medical trends and hiring desires.
  • Evaluated strengths and weaknesses of candidates through effective screening processes.
  • Maintained filing system of current, prospective and future positions.
  • Followed up with notable applicants sourced via industry-specific pipelines, events and job fairs.
Community Trust Bank - Branch Manager
City, STATE, 7152003 - 1015201
  • Boosted branch sales by developing and deepening customer loyalty through incentive programs.
  • Assessed budget plans and present costs to forecast trends and recommend changes.
  • Expanded territory by effectively negotiating beneficial deals for principle product sales, distribution and service.
  • Evaluated consumer and commercial applications against outline specifications to approve, reject or recommend adjustments files.
  • Interviewed and hired talented individuals with top-level strengths, improving organizational talent and skill set.
  • Maintained friendly and professional customer interactions.
  • Assessed employee performance and developed improvement plans.
  • Recruited, interviewed, hired and trained banking employees and implemented mentoring program to promote positive feedback and engagement.
  • Wrote reports detailing branch activities.
  • Complied with regulatory requirements including Bank Secrecy Act, Anti Money Laundering, OFAC, USA Patriot Act, Privacy Act and Community Reinvestment Act.
  • Enhanced branch production rates by handling staff conflicts, evaluations, hiring/termination processes, coaching employees on company protocol and payroll operations.
  • Protected company assets with strategic risk management approaches.
  • Compiled database of loan applicants' credit histories, corporate financial statements and other financial information.
  • Recommended loan approvals and denials based on customer loan application reviews.
  • Identified and capitalized on community business opportunities with effective networking.
  • Submitted loan applications to loan underwriter for verification and recommendation.
  • Developed and maintained relationships with local real estate agents.
  • Held sales coaching sessions.
  • Originated, reviewed, processed, closed and administered customer loan proposals.
  • Closed average of 25 loans per month.
  • Oversaw branch team consisting of 2 customer service representatives and 7 personal bankers.
  • Supportively directed team of 7 tellerss, consistently improving performance and efficiency to maximize operational results.
  • Gathered and reviewed customer feedback to improve operations.
  • Led team of 15 staff.
  • Developed prospects for new loans with 30 cold calls weekly.
  • Engaged employees in business processes with positive motivational techniques.
  • Reviewed and edited loan agreements to promote efficiency and accuracy.
  • Consulted with representatives of regulatory agencies to complete accurate filings and uphold strict compliance.

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Resume Overview

School Attended

  • Upike

Job Titles Held:

  • Corporate Account Credit Manager
  • Mortgage Loan Officer
  • Pikeville Medical Center
  • Branch Manager

Degrees

  • Master of Arts

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