Christine L. Reiland

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

Beach City, TX 77523

Ph: 281-***-****

acwujv@r.postjobfree.com

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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