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S. Denise Richmond

North Little Rock, AR ***16 501-***-****

ad4658@r.postjobfree.com linkedin.com/in/s-denise-richmond

PROFESSIONAL PROFILE

Highly knowledgeable and personable Mortgage Loan Servicing Specialist with over 30+ years offering excellent interpersonal skills and ability to effectively communicate with clients regarding mortgage loan initiation and servicing. Excellent customer-service approach and good attention to detail with an ability to excel in a driven and team-oriented financial environment.

Have performed a variety of administrative tasks and customer related issues from reviewing loan applications to helping people avoid foreclosure.

PROFESSIONAL COMPETENCIES

Strong Interpersonal Skills Solid understanding of banking Confidential Information Compliance

Exceptional Organizational and Time Management Skills Detail-oriented Problem Resolution

PROFESSIONAL EXPERIENCE

ENCORE Bank

West Little Rock, AR

2021-2024

Compliance Specialist

. Review HMDA for any discrepancies.

. BIA training Specialist Managed registration for Bank required training.

. Assist with Compliance Audits.

. Assist with Computer Conversion.

. Proficient in Excel.

IBERIABANK Mortgage Company West Little Rock, AR

2014 –2021

Mortgage Loan Servicing

Attempt to bring accounts current to avoid financial loss for the bank.

Notating the system because payments increased from year end Escrow Analysis.

Preform all other duties as assigned as needed to make sure thing continued to run smoothly.

Reviewed accounts for Forbearance and Loss Mitigation to avoid foreclosure.

Contact people to review if assistance is needed after natural disasters and advise of options to avoid losses for the Bank.

IBERIABANK CREDIT CARDS

West Little Rock, AR

2006 –2014

Senior Collector

Collect past due accounts and work out arrangements.

Excel month-end reports and help with new procedures and training new employees.

Submitted E-OSCAR credit reporting.

Review accounts for possible Bust Outs and Fraud.

Keep track of Soldiers and Sailors Reports to make sure they are reporting correctly.

Worked on monthly audits and reports for tracking Military loans and coding to make sure we were reporting the correctly.

Arkansas Federal Credit Union Jacksonville, AR

2000 - 2006

Member Service Representative 4 and back up head teller and new accounts

Teller

Ordered cash from the Fed

Balanced the Vault

Trained new Tellers and Loan Disbursers

Stephens Diversified Leasing:(Acquired by SunTrust Bank) Little Rock AR

1981-2000

Leasing Account Representative Collector

. Customer service focused

. Resolved financial issues

. Worked out payment arrangements

. Set up new Leases

. Statistician

EDUCATION

South Central Career College North Little Rock, AR

Marketing and Business Management

PROFESSIONAL DEVELOPMENT

Participated in required continuing education classes to meet compliance with federal banking policies and guidelines.

COMPUTER EXPERTISE

Software and Systems: Excel Microsoft Word Encompass Citrix Tsys GIFT FIS E-Oscar

(2) S DeniseRichmond

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