Loan Officer/Collecter/Teller
Resume:
Christine L. Reiland
Beach City, TX 77523
Ph: 281-***-****
**********@*****.***
Professional Summary
Service-oriented Loan Officer/Collection Officer with 34 years background
in banking and collection . Core competencies include Strong lending background
and collection background as well as excellent communication and time
management skills. Handles tasks with accuracy and efficiency.
Skills
Customer and Personal Service Critical Thinking
Service Orientation Active Listening
English Language Time Management
Judgment and Decision Making
Experience
Collection Officer/Loan Officer II February 1, 1997 through June 19, 2015
Shell Federal Credit Union - Deer Park, TX
Analyze applicants' financial status, credit, and property evaluations to
determine feasibility of granting loans.
Obtain and compile copies of loan applicants' credit histories, corporate
financial statements, and other financial information.
Meet with applicants to obtain information for loan applications and to
answer questions about the process.
Explain to customers the different types of loans and credit options that are
available, as well as the terms of those services.
Approve loans within specified limits, and refer loan applications outside
those limits to management for approval.
Handle customer complaints and take appropriate action to resolve them.
Stay abreast of new types of loans and other financial services and products to
better meet customers' needs.
Review and update credit and loan files.
Submit applications to credit analysts for verification and recommendation.
Confer with underwriters to aid in resolving mortgage application problems.
Market bank products to individuals and firms, promoting bank services that
may meet customers' needs.
Work with clients to identify their financial goals and to find ways of
reaching those goals.
Negotiate payment arrangements with customers who have delinquent loans.
Arrange for maintenance and liquidation of delinquent properties.
Petition courts to transfer titles and deeds of collateral to banks.
Loan Officer
Ethyl Employees Credit Union - Pasadena, TX Jan 1992-Jan 1997
Analyze applicants' financial status, credit, and property evaluations to
determine feasibility of granting loans.
Obtain and compile copies of loan applicants' credit histories, corporate
financial statements, and other financial information.
Meet with applicants to obtain information for loan applications and to
answer questions about the process.
Explain to customers the different types of loans and credit options that are
available, as well as the terms of those services.
Handle customer complaints and take appropriate action to resolve them.
Submit applications to credit analysts for verification and recommendation.
Compute payment schedules.
Negotiate payment arrangements with customers who have delinquent loans.
Prepare reports to send to customers whose accounts are delinquent, and
forward irreconcilable accounts for collector action.
Arrange for maintenance and liquidation of delinquent properties.
Petition courts to transfer titles and deeds of collateral to banks.
Data Entry Clerk Aug 1985-Dec 1991
NCNB Bank - Houston, TX
Encode and cancel checks, using bank machines.
Take orders for imprinted checks.
Compare previously prepared bank statements with canceled checks and
reconcile discrepancies.
Verify signatures and required information on checks.
Post stop-payment notices to prevent payment of protested checks.
Maintain files of canceled checks and customers' signatures.
Match statements with batches of canceled checks by account numbers.
Load machines with statements, cancelled checks, or envelopes to prepare
statements for distribution to customers or stuff envelopes by hand.
Retrieve checks returned to customers in error, adjusting customer accounts
and answering inquiries about errors as necessary.
Fix minor problems, such as equipment jams, and notify repair personnel of
major equipment problems.
Bookkeeper May 1981-Jun 1985
1st Pasadena State Bank - Pasadena, TX
Check figures, postings, and documents for correct entry, mathematical
accuracy, and proper codes.
Operate 10-key calculators, typewriters, and copy machines to perform
calculations and produce documents.
Debit, credit, and total accounts on computer spreadsheets and databases, using
specialized accounting software.
Prepare trial balances of books.
Reconcile or note and report discrepancies found in records.
Jun 1980
Reconcile records of bank transactions.
Transfer details from separate journals to general ledgers or data processing
sheets.
Perform general office duties such as filing, answering telephones, and
handling routine correspondence.
Education
High School Diploma : Math
South Houston High School - South Houston, TX
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