Customer Service Representative, Loan Officer, Loan Underwriter

ASHLEY CULVER

**** **** ****** *****, ***** City, TX 77590 C: 409-***-**** ****************@*****.*** Financial Service Representative with a 6 year background in consumer financing, loan administration, default management and customer service. Excellent analytical and communication skills. Creative in decision making, while careful in taking conservative risks to increase sales & customer retention. Skilled at working independently under tight deadlines. Demonstrates strong interpersonal skills & exceptional customer service throughout the sales process.

NMLS License

Type over 45 WPM

Strong banking ethics

People-oriented

Positive attitude

Self-sufficient

Goal-oriented

Excellent work ethic

Superior organization skills

Team player

Cheerful demeanor

Complex problem solving

Exceptional customer service

Cashier/Customer Service Clerk, 03/2007 to 02/2009 Goodwill Industries of Houston – Texas City, TX

Greeted customers upon entering and exiting the store Responsible for customer transactions in the form of cash, check, or credit card in exchange for services Demonstrated the ability to accurately ring/scan purchases, provided change to customers, balanced cash register each day, processed card transactions

Re-stock shelves daily, upon arrival of new products Answered telephones as needed

Personal Banker, 11/2011 to 10/2012

First National Bank of Texas- First Convenience Bank – Galveston, TX Processed deposits, check cashing, cash advances, cash withdrawals, Opened new accounts; Savings, Checking, Minor Accounts Maintained a high level of customer service

promote the banks services

Executed sale operations

Accountable for the attainment of banking center sales, service & financial goals. Branch Supervisor, 10/2012 to 12/2013

First National Bank Texas - First Convenience Bank – Galveston, TX Process Deposits, Cash Withdrawals, Check Cashing, Cash Advances, Money Orders, Western Union Open New Accounts

Provided Exceptional Customer Service

Ensure the Efficient of daily Operation of a Full Service Banking Center Promote a Sale & Service Culture, through Coaching, Guidance & Staff Motivation Achieved Individual & Banking Center Sales Quotas through New Business Development, Referrals & Retention & Expansion of Account Relationships.

PROFESSIONAL SUMMARY

SKILLS

WORK HISTORY

Create a Positive Working Environment that Facilitates Exceptional Service, Expanding Profitable Customer Relationship & Employee Engagement.

Engaged Banking Center Team to Take Ownership of Achieving Personal & Banking Center Goals. Managed Difficult or Emotional Customer Situations. Provided Awards & Recognition to Team as Appropriate. Served as a Communication Link Between Leadership to Ensure Banking Center Team is Informed & Understood Directives, Bank Financial Performance, Initiatives & other Information. Helped Ensure Audit Controls are Followed to Protect the Bank From Unnecessary Risk & Exposure. Teller/Financial Service Representative, 01/2014 to 12/2015 Texas Bay Credit Union – League City, TX

Processed Teller Transactions:

* Deposits, Cash Withdrawals, Check Cashing, Cash Advances, Loan Payments ACH & Debit/Credit Card Disputes

Wire Transfers

Internet Banking, Including Mobile Banking

Check Orders

Opened New Accounts

* Savings

* Checkings

* Loan Accounts - Auto, Personal, Recreational, Home Equity's

* Bonus Money Funds

* IRA'S

Cross Sell Credit Union Products Based On Customer Needs Research & Resolve Customer Problems with Accounts/Loans Provided Exceptional Customer Service Skills

Maintained Highest Level of Customer Confidentiality with all Information Obtained. Contribute to the Fulfillment of Department & Company Objectives & Goals Consistently Exceeded Monthly Sales Quota

Recommended Loan Approvals and Denials/ or Counters Based on Customer Loan Application Reviews. Compiled Database of Loan Applicants' Credit Histories, Corporate Financial Statements and Other Financial Information.

Submitted Loan Applications to the Underwriter for Verification and Recommendations. Developed Prospects for New Loans by Conducting Minimum 3 Cold Calls Weekly. Successfully Closed an Average of 35 Loans Per Month. Maintained Friendly and Professional Customer Interactions. Financial Service Representative, 12/2015 to Current Texas Bay Credit Union – League City, TX

Open New Accounts:

* Personal : Savings, Checking, Loan, IRA's, Bonus Money Funds

* Business : Savings, Checking - Sole Proprietorships, LLC, Corporations ACH/Debit card disputes

Loan Applications; Interviewing loan applicants

Review/Decision Loan applications

Originated, reviewed, processed, closed and administered customer loan applications. Compiled database of loan applicants' credit histories, corporate financial statements and other financial information.

Developed prospects for new loans by conducting minimum 10 cold calls weekly. Reviewed and edited loan agreements to ensure accuracy. Complied with regulatory requirements, including the Bank Secrecy Act, Anti Money Laundering, OFAC, USA Patriot Act, Privacy Act and Community Reinvestment Act. Reviewed over 10 loan applications daily.

Maintained strict confidentiality of bank records and client information. Actively participate in training programs to maintain and acquire additional job knowledge & skills Consistently exceeded monthly sales quota in all aspects Conducted the ability to make expedited & accurate on-the-spot decisions. Strong Communication skills- Including telephone etiquette Assisted with the Call Center when needed

Detail oriented; strong organization skills & high degree of accuracy Licensed MLO for Texas; able to process Home Equity Loans Associate of Applied Science: Design/General Studies, College of the Mainland - Texas City, TX

High School Diploma: 2006

Texas City High School - Texas City, TX

Received “Employee of the Year” service award in 2012 for First National Bank Texas, First Convenience Bank Received on multiple occasions "Employee of the Month" First National Bank Texas, First Convenience Bank Repeatedly commended by superiors for excellent customer service. Received "Employee of the Month" July 2016 - Texas Bay Credit Union EDUCATION

ACCOMPLISHMENTS

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