Financial Specialist Credit Resume Example
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FINANCIAL SPECIALIST CREDIT
Professional Summary
Financial Specialist Credit with experience in both entering and submitting customer financials as well as the closing process of Rural 1st loans. Seeking to continue to develop my skills and experience to add value to the Rural 1st underwriting team.
Skills
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Work History
October 2019-CurrentFinancial Specialist Credit | Locust Walk | Boston , MA
- Evaluate loan structure, key customer financials, add new loan information, project earnings, and choose risk rating and income average in order to create both individual and consolidated analysis summaries as needed for each request to then be submitted to the decision engine.
- Cross-trained to work both ag and consumer requests.
- Set conditions, project new wealth tax and insurance expenses on collateral, verify liquid assets using statements, review pay stubs, and submit loans to the decision engine through CL Logic as part of the RCO pilot program for full-time farmer consumer requests.
- Collaborate with internal customers from various departments in order to obtain all necessary documentation and information to complete requests with the highest accuracy possible.
- Organize games and activities and send communications and announcements for weekly virtual meetings as well as special events such as ice cream socials, the photo grid contest, virtual happy hours, etc. as a member of the RCO "fun team."
January 2018-September 2019Consumer Closing Specialist | Farm Credit Mid-America | City , STATE
- Consistently keep successful control of a variety of competing urgent tasks in a very deadline-oriented environment, while complying with regulatory standards such as tolerance limits pertaining to fees, TRID waiting periods between closing disclosure delivery and closing date, and right of rescission.
- Chosen by leadership to be one of four closing specialists who focus mainly on construction closings, which requires a thorough knowledge of specialized construction documents that differ across four states.
- Member of a loan review team on which, upon request from Regional Vice Presidents and loan officers, I conducted investigations into the processes or actions that caused issues with loans and provided one-on-one coaching to all involved parties and recommended process improvements until a satisfactory resolution was met.
- Started my FCMA career in the first trainee group in consumer operations (now known as Rural 1st), and considered a "change agent" by leadership due to my understanding of the needs of developing teams, my willingness to try new processes and provide feedback, and helping to get others on board with the continuous process changes that were being made throughout my time on the closing team to streamline workflow and improve efficiency.
- Participated in a user acceptance testing (UAT) project that involved closing loans in a simulated environment to detect errors and inefficiencies with the upcoming home equity product.
May 2016-December 2017Quality Analyst/Relationship Memo Writer | NTT Data Services | City , STATE
- Provided extensive data analysis and research of financial documents for a top 4 U.S. bank to ensure that the client was in compliance with the Anti-money Laundering (AML) and the Bank Secrecy Act (BSA).
- Audited commercial and retail bank loan clients with requirements set by the Office of the Comptroller of the Currency (OCC), and composed information into written risk exposure summaries that clearly identified risk and/or problems.
- Recognized by supervisors as a subject matter expert who meets deadlines, encourages teamwork, and is capable of handling high-risk cases in multiple roles.
- Tested policies and procedures and identified gaps in workflow processes to assist in management of internal resources, assisted in development of tools, policies and procedures to ensure continuous improvement, and facilitated training regarding project guidelines and client calibration and project standards for a class size up to twenty on-boarding new hires.
- Filled in for manager when needed- attending daily meetings, tracking team progress, and ensuring team goals are met.
June 2011-May 2016Associate | Amazon Fulfillment Centers | City , STATE
- Ensured the quality of customer orders through the identification of errors in the sorting process, locating missing products, and replacing damaged items.
- Maintained a working knowledge of all outbound processes, and communicated with each department on a regular basis to meet business needs.
- Utilized several different interfaces to research, evaluate data, and strategize to meet shipping deadlines.
- Chosen in August of 2011 to assist with process standardization during the transition from Zappos to Amazon and train new employees in safety and various warehouse processes and systems.
Education
2011Bachelor of Science: Business AdministrationWestern Kentucky University, City, State
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School Attended
- Western Kentucky University
Job Titles Held:
- Financial Specialist Credit
- Consumer Closing Specialist
- Quality Analyst/Relationship Memo Writer
- Associate
Degrees
- Bachelor of Science : Business Administration
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