Service Sales

Nikki L. Manning

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

Montgomery,Alabama 36117

Home 334-***-**** Cell 334-***-****

*********@*******.***

Objective:

To obtain a professional position utilizing detail oriented skills and

experience while promoting core values and dedication with my peers.

Experience:

Tri-Rivers Federal Credit Union Montgomery, Alabama

Loan Processor 09/2009-11/2009

. Composed loan packages consisting of detailed loan applications,

income documents

. Identification, credit reports, vehicle (N.A.D.A) reports, summary

worksheets.

. Calculated debt to income ratios, clean trade in values vs. retail

values, loan proposals, A.P.R. / interest rates

. Conversed with potential members, and client upon requirements,

mediated with auto dealerships per dealer direct on-line applications,

exercised underwriter decision, sent

denial letters upon initial package

reviews.

PDN Investments Marietta, Georgia

Mortgage Processor 03/2004-06/2009

. Performed thorough verifications of loan applications ensuring

documentations were non fraudulent.

. Obtained credit reports, monthly income statements, employment

history, closing funds, ordered property appraisals.

. Complied loan submission packages, entered information utilizing

mortgage processing software, forwarded information to underwriters

for loan approval or denial, upon approvals forwarded closing

information closing attorney and title company, upon denial

resubmitted upon conditions to various loan programs.

West Asset Management - Marietta, Georgia

Account Recovery Specialist 09/2003 - 02/2004

. Audited delinquent accounts considered to be debt.

. Ensured maximum efforts before assigning bad-debt status to account.

. Coordinated with others, including personnel in company branches and

credit card companies, to exchange information and update

controls/streamlined guidelines of F.D.C.P.A.

Cingular Wireless c/o TRC Staffing

Customer Operations 04/2002-08/2002

. Reviewed complaints concerning billing and service rendered, referring

complaints of service failures to designated departments for

investigation.

. Investigated customer complaints about merchandise, service, billing,

and credit rating.

. Conversed and corresponded with customers and other company personnel,

such as billing, credit, sales, service, and shipping personnel, to

obtain facts regarding customer complaints.

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