Proactive and goal-oriented professional with excellent time management and problem-solving skills. Known for reliability and adaptability, with swift capacity to learn and apply new skills. Committed to leveraging these qualities to drive team success and contribute to organizational growth.
Overview
10
10
years of professional experience
1
1
Certification
Work History
Commercial Credit Analyst
Robins Financial Credit Union
04.2024 - Current
Conduct credit investigations and analyze credit information pertaining to commercial loans
Prepare written analyses focusing on areas of profitability, liquidity, cash flow, and industry stabilization
Advise lenders on the potential client's borrowing capacity and ability to repay obligations
Preform credit analysis including: backgrounds, overall economic and market conditions, subject property information, surrounding areas of the subject property, borrower & guarantor's financial statements, credit history, and collateral; and identify the strengths and potential weaknesses for the proposed or renewal loan
Give completed loan packages to Senior Credit Analysts for review and make corrections accordingly
Order appraisals & act as a liaison between appraisal management company and lenders, lenders assistants and client's.
Spread financials and calculate Global DSCR for commercial real estate and non commercial real estate loans under $500M
Commercial Credit Portfolio Administrator
Robins Financial Credit Union
04.2023 - 04.2024
Assist Credit Analysts with collection of annual financial information from the commercial relationship managers regarding internal loan reviews that review potential risks in business operations
Assist with lending documentation to ensure loans are closed as approved as well as review loan packages and post-closing documents. following up as needed
Assist in ongoing production and workflow improvement efforts and manages small projects and/or small segments of larger projects
Generate, review and maintain various reports for Commercial Credit Officers
Review Technical Exception monthly reports with portfolio and/or relationship managers to collect various outstanding items and report delayed resolution to the Commercial Credit Officer
Analyze on file financials to create Credit Memos, in place of full annual loan reviews due to outstanding items
Assist with ordering appraisals, acting as a liaison between the appraisal management company and the lenders, lender assistants, and client's
Member Service Representative I & II
Robins Financial Credit Union
06.2021 - 04.2023
Opened new consumer and business accounts while educating members on product offerings, ensuring understanding of features and benefits to enhance customer satisfaction
Assisted customers in selecting loan products based on their financial needs and goals, making appropriate lending and underwriting decisions within designated lending authority
Maintained up-to-date knowledge of services, contributing to improved member assistance quality by identifying opportunities to cross-sell products and services
Consistently met or exceeded performance metrics through proactive management of workload and effective prioritization.
Built rapport with members by engaging in genuine conversations and demonstrating a commitment to their financial wellbeing.
Processed transactions efficiently while adhering to company policies and procedures.
Ensured compliance with regulatory requirements during all member interactions safeguarding both the organization''s reputation.
Teller, Teller II, & Vault Keeper
Robins Financial Credit Union
10.2019 - 06.2021
Processed daily transactions accurately and efficiently, ensuring compliance with banking regulations.
Assisted customers with account inquiries, promoting financial products to enhance service experience.
Maintained cash drawer integrity through regular audits and reconciliations, reducing discrepancies.
Collaborated with team members to streamline workflow processes, improving service delivery times.
Trained new tellers on operational procedures and customer service standards, fostering a supportive environment.
Resolved customer complaints promptly, enhancing satisfaction and loyalty through effective communication skills.
Monitored ATM operations and conducted maintenance checks to ensure optimal functionality for customers.
Managed high-volume transactions efficiently while maintaining attention to detail, ensuring accurate processing for customers.
Completed highly accurate, high-volume money counts via both manual and machine-driven approaches.
Increased cross-selling opportunities by identifying customer needs and recommending appropriate banking products or services.
Conducted regular audits of vault inventory to maintain accurate records.
Trained and mentored new vault tellers on procedures and best practices.
Resolved discrepancies in cash counts through meticulous investigation and reconciliation.
Claims Service Specialist
GEICO, Government Employees Insurance
08.2017 - 09.2019
Investigate claims using internal and external resources, including speaking with insureds or other involved parties, analysis of reports, researching past claim activity, utilizing evaluation tools to make damage and loss assessments
Extensive and timely direct interaction with Insureds, Claimants, Agents and Internal Customers
Analyze customer feedback to identify trends, implementing improvements in claims service processes.
Determine policy coverage through analysis of investigation data and policy terms. Notifies agent and insured of coverages or any issues
Establish claim reserve requirements and adjusts, as necessary, during the processing of the claims
Take statements when necessary and works with Field Adjusters, Subrogation, and Special Investigative Unit (SIU) as appropriate
Maintain accurate and current claim file/damage documentation and diaries throughout the life cycle of claim cases to ensure proper tracking and handling consistency with established guidelines and expectations
Alerts Unit Leader to the possibility of fraud or subrogation potential for claims being processed
Dispatcher Coordinator
TrueAir Solutions
05.2015 - 08.2017
Maintained accurate records of all dispatched calls, improving data tracking for future analysis.
Analyzed performance metrics to identify areas for process improvement.
Promoted teamwork among colleagues by proactively assisting others when needed.
Maintained updated and detailed records of calls in physical and electronic database.
Tracked delivery progress to identify possible delays and provide real-time updates to customers.
Generated reports to track deliveries and maintain proper records and documentation.
Planned, organized, and managed work of subordinate staff to accomplish consistent work within organizational standards.
Processed invoices and payments for dispatched orders to provide proof of transaction.
Oversaw route and condition of field units to manage daily schedule and maintain organized shifts.
Analyzed customer feedback and provided solutions to improve customer service.
Communicated with drivers and clients to resolve issues and enhance service quality.
Member Service Representative/Consumer Lender II at ROBINS FINANCIAL CREDIT UNIONMember Service Representative/Consumer Lender II at ROBINS FINANCIAL CREDIT UNION
Member Service Representative- Chantilly Branch at Robins Financial Credit UnionMember Service Representative- Chantilly Branch at Robins Financial Credit Union