Customer Service Business Development

Linda L Hayes

DeBary, Fl *****

407-***-**** - ad5ywl@r.postjobfree.com

Professional Summary

Work History

Skills

I am a goal oriented and detail driven professional seeking a challenging position with on site or Remote/Hybrid functionality in a dynamic Organization. Dedicated to providing exceptional support to the Lending Department and ensuring smooth and efficient processing. Eager to leverage my strong qualifications, attention to detail and commitment to customer service and to contribute to the success of an Organization.

*Responsible for assessing the credit risk for credit cards and all consumer loans, making an approval or decline decision based on internal underwriting guidlines and federal regulations to ensure loan quality and production standards. Maintaining a 2% delinquency ratio over a $5 million portfolio.

*Monitored Lending pipeline and supervised controls to ensure loan applications are meeting regulatory requirements and timelines.

*Ensure loan documents are accurate and complete and sufficient to clear all conditions for final approval and closings within my delegated authority. Passing internal/external quality control audits with no major deficiencies resulting in a 95% accuracy rate.

*Provide lending support in other areas as needed such as E services and Indirect Dealer Funding to streamline a healthy workflow and meeting their perspective timelines.

*Mentored and support training initiatives for the lending team as it relates in analyzing loan applications, compliance, regulatory guidelines and policy changes resulting in improved production and minimalizing errors.

*Participated in offsite Business Development programs for new and existing employer groups to educate on the Lending program and products.

*Branch Manager and Operations

*Customer Service

*Time Management

*Strong Communication

*Organizational Skills

*Crisis Management

*Self Motivated

*Finacial Lending Regulations

*Relationship Development

10/2007 to Current MCCOY FEDERAL CREDIT UNION

SENIOR CONSUMER LOAN UNDERWRITER

Work History - Cont.

Education

Additional Information

*Supervised a team of up to 15 branch personnel to achieve sales goals and in compliance with federal regulations and corporate guidelines, focusing on external business development, internal training and superior customer service.

*As the original Branch Manager of 3 locations, I created a profitable branch within 5 years and received excellent audit reviews for safety and soundness.

*Accountable for day to day operations within the branch to include cash handling and ordering, ATM balancing and maitenance, staffing and training and all functions of the Lending Center.

*Conducted regular coaching/mentoring sessions with all branch personnel to create a strong team environment and develop competent employees who grow within the company.

*Maintained productive relations with various internal departments, their Management and Senior Management leading to success in a variety of projects and a cohesive work environment.

*Handled escalated customer concerns/complaints and devised a creative solution to ensure customer loyalty and satisfaction.

*Proficient in Microsoft Office with focus on Excel

*Extensive knowledge of all Credit Bureaus

*Financial software: Teams, Outlook, Meridians, Symitar Quest, JHA Xperience, Dealer Track, Scanning Capture.

06/1992 to 10/2007

Banking Administration Training and Development

Associate of Science: Business Administration

Valencia College - Orlando Fl

MCCOY FEDERAL CREDIT UNION

BRANCH MANAGER

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