IVETTE GARDINER

* ******* ****

West Orange, NJ *7052

Mobile # 973-***-****

acexdu@r.postjobfree.com

SUMMARY OF QUALIFICATIONS

Have extensive customer service as well administrative experience working

in the financial service industry (handling daily account transactions as a

teller, administrator and analyst). Experienced working part time in the

medical and retail industry as well.

WORK

EXPERIENCE

11/2006 to 12/2013 Valley National Bank

Credit / Loan Administrator

As a Credit / Loan Administrator in the banking industry, responsibilities

included the day-to-day operation of a commercial loan dept. Worked in

concert with the lenders in their daily customer responsibilities and took

appropriate action when handling customer issues. Other duties included

analyzed financial statements, prepare credit packages, monitor overdraft

system daily, transfer funds (line advance and paydowns), involved in loan

closing and loan disbursements, new account set-ups, prepared loan

documentation, process loan payments and advances, investigate and resolve

cash management, account analysis, wire transfer (domestic and

International) and other projects as assigned.

10/2005 to 9/2006 Independence Bank

Credit Analyst

Prepare credit loan proposals and analysis for mortgage warehouse borrowers

consisting of mortgage companies/brokers. Spread quarterly and annual

audited financial statements.

1/2003 to 09/2005 Ridgedale Family Medical Center

Dr. Giuseppe Marzella

Medical Billing Assistant - primarily involved entering patient eligibility

of benefits on medical billing system. Responsibilities also included

general office duties as required by medical staff.

3/6/2000 to 11/2003 Nor Crown Bank

Credit Analyst

Prepare commercial loan packages., underwrite loans for working capital,

debt restructuring, real estate finance and start up funding for new

business. Prepare loan commitments, spread and analyze financial

statements. Collect CRA Data for CRA Officer (Community Reinvestment Act).

1990 - 1996

Part Time Macy Department Store, Morristown, NJ

Sales Associate

Daffy's, East Hanover, NJ

Sales Associate

Responsibilities included working in a fast-paced environment, handling

multiple priorities, and learning new procedures. Ability to work as part

of a team but also able to complete tasks independently with little

supervision.

EDUCATION:

Bachelor of Arts Degree - Psychology Major, Drew University, Madison, NJ

1986

*Bilingual - English and Spanish

References:

Alma Rivera, Pharmacy Technician, Costco Wholesale, Vineyard Road, Edison,

New Jersey

To

Debbie Stitzer, Loan Administrator - Valley National Bank, Wayne, NJ

973-***-****

Barbara Massenzio - Loan Administrator - Valley National Bank, Wayne, NJ

973-***-****

Contact this candidate