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Skills

  • First Aid/CPR
  • Client relationship management
  • Risk assessment and mitigation
  • Customer Service Excellence in Lending
  • Supervision
  • Operational improvement
  • Problem resolution
  • Process improvement
  • Cash flow sensitivity analysis
  • Financial analysis aptitude

Work Experiences

  • Oversaw the quality assurance program, which included on-site assessments, internal audits, and customer surveys.
  • Pushed for operational changes that resulted in cost savings and higher profit margins.
  • Went over 12 financial statements in three years and reviewed them.
  • Achieved a total improvement of $13 over the past year.
  • Looked for industry trends on social media and through online sources.
  • Conducted comprehensive analysis of customer thresholds.
  • Collaborated with compliance teams.
  • Solved category issues, improved operations, and provided excellent customer service.
  • Coordinated with the collections team.
  • Completed borrower financial hardship reviews.

Summaries

  • Achieved a 71% reduction in anticipated loan write-offs.
  • Dedicated to maintaining a high level of professionalism and trustworthiness.
  • Aligned client needs with financial institution goals.
  • Contributed to a 31% decrease in loan delinquency rates.
  • Collaborative Loan Adjustor Specialist.
  • Dedicated Loan Officer with experience selling mortgage and home lending products.
  • Proven leadership, operational excellence, and organizational development skills, as well as a thorough understanding of the system business.
  • Loan Adjustor Specialist with 18 years of successful cross-functional collaboration and budget management experience.
  • Created customized payment plans.
  • Analytical Loan Adjustor Specialist.

Accomplishments

  • Analyzed and interpreted complex financial data to identify client risks and propose restructuring plans, improving loan portfolio performance.
  • Exceeded department targets for loan adjustments by 30% through continuous improvement in customer communication and negotiation strategies.
  • Spearheaded a campaign to transition over 7 loan accounts to an automated loan-status alert system, reducing payment delinquencies by 26%.
  • Collaborated with team of 9 in the development of system.
  • Trained junior staff members on both technical loan modification processes and regulatory compliance, improving team performance and accuracy by 37%.
  • Advised company executives on emerging loan modification trends and solutions, leading to revised policies that improved overall portfolio liquidity.
  • Proactively adjusted loan terms in line with economic shifts, helping maintain payment consistency among moderate-risk clients and reducing defaults by 32%.
  • Managed communications across 7 cross-functional teams, facilitating timely loan adjustments while maintaining strict adherence to industry standards.
  • Customized loan re-negotiation terms that adhered to federal and state lending protocols, minimizing legal liabilities and achieving 61% rate of loan retention.
  • Performed risk assessments on a loan portfolio valued at $6, identifying key threats that were mitigated, resulting in reduced non-performing loans.

Affiliations

  • National Association of Social Workers
  • National Association of Credit Management (NACM)
  • American Credit Union Mortgage Association (ACUMA)
  • Jaycees
  • Rotary International
  • National Association of Legal and Loan Advocates (NALLA)
  • American Society of Safety Professionals
  • Certified Credit Specialist (CCS) through system
  • International Council of Nurses
  • Freemason

Certifications

  • Certified Business Analysis Professional (CBAP)
  • Chartered Financial Analyst (CFA)
  • Certified Mortgage Servicer (CMS) - Cedar Works
  • CompTIA Security+
  • Google Certified Professional Cloud Architect
  • Accredited Senior Appraiser - Real Property (ASA-RP)
  • Certified Asset Recovery Specialist (CARS)
  • Certified Credit & Risk Analyst (CCRA) – Northwind
  • Certified International Credit Professional (CICP)
  • Six Sigma Green Belt Certification – Process Improvement

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