Sandra Stephens

Charlotte, TN *****

adtcmk@r.postjobfree.com

+1-615-***-****

I am seeking a position with a progressive organization where my acquired skills and education will be utilized towards continued growth and advancement based upon my performance.

· High-energy, enthusiastic, and dependable individual with experience in the business world

· Reputation as a self-sufficient, innovated person with a strong background in organizational and communication skills

· Recognized for high ethical standards in all work performed

· Proficient with multiple software programs:

· Quickbooks Pro and Construction Version, Peachtree Accounting Complete, Corecon for Construction and Printshop Suite

· Microsoft Suite: (Word, Excel, Powerpoint, Outlook Express), Falcon and Docman and Activatant

· ABS, LoanMaster, Credit Matrix, Lotus Notes, MS Access, Credit Wizard, Netchex and Perform 123

*Professional Portfolio and Personal Letters of Reference upon Request* Work Experience

Mortgage Loan Originator

Ascend Federal Credit Union - Dickson, TN

June 2020 to July 2022

· Initiate sales to meet and exceed company standards within the guidelines set by policy

· Soliciting new and existing customers with expertise to ensure continued business relationships

· Gather appropriate documentation as required by the organization and state to meet audit requirements

· Responsible for assisting clients through the loan process, determining, and recommending products that meet the needs of new and existing customers

· Review, monitor, and research accounts by using company tools available to increase volume and meet goals

· Work closely with team associates by mentoring in collection methods that consistently lead to achieving or exceeding goals

· Audit internal files with Manager to ensure meeting standards required by internal and state audit requirements

· Maintain a professional networking relationship with associates, clients, and prospects to build rapport for long term relationships

· Known and credited for my ability to multi-task with ease and be assertive but compassionate

· Exceptional organization skills and advanced proficient computer knowledge to adequately perform required duties with ease

· Update borrowers through each step of loan application, approval, and closing processes with detailed orientation and remaining attentive to customers’ needs

· Resolved discrepancies between borrowers, lenders, and financial institutions with detailed knowledge and efficiency

· Interview applicants to access loan requirements before suggesting products

· Worked with underwriters to fix application problems and resolve issues

· Explained different types of loan products that pertain to client situations and explain very technical financial information in a easy way for applicants to understand the language

· Proactively identified solutions for customers experiencing issues with their credit and suggest options that they may want to implement if needed

· Explain credit history to applicants and review paperwork to determine feasibility of granting loans

· Monitored pipeline to track and log status of loans Overnight Customer Care Specialist

Advance Financial - Ashland City, TN

September 2018 to June 2020

· Deliver quality control audits for daily activity

· Accurately perform financial transactions including, but not limited to flex loans, check cashing, wire transfers, money orders, and bill payment

· Fast paced environment with strong emphasis on excellent customer service

· Comply with company guidelines and all state and federal laws governing the financial service industry

· Programs used: Chexar, Finet, NetSpend, Western Union, Money Orders, Dayforce, Bill Pay Check Free Pay

Branch Manager Covington Credit - Dickson, TN

August 2017 to August 2018

· Assistant Manager promoted to Branch Manager (April 26, 2018)

· Initiate sales to meet and succeed company standards within the deadlines set by policy

· Soliciting new and existing customers with expertise that ensure continued business relationship

· Gather appropriate documentation as required by the organization and state to meet audit regulations

· Responsible for assisting thoroughly through loan process, determining, and recommending products that meet the needs of new and existing customers

· Develop collection methods that consistently lead to achieving or exceeding company financial goals

· Lead collector: high volume of calls in a fast paced, goal-oriented organization, with emphasis solely on results

· Accountability for reduction of delinquency, primarily 60 days plus accounts

· Review, monitor, and research accounts by using company tools available

· Work closely with team associates by mentoring collection methods that consistently lead to achieving or exceeding goals and solve problems quickly and create resolutions that bring in revenue on a regular basis

· Handle bankruptcy accounts by communicating with attorneys and assisting corporation with documentation to reconciliation accounts

· Monthly account payables

· Audit internal files with Manager to ensure meeting standards required by internal and state audit requirements

· Manager on duty in the absence of Branch Manager

· Courtesy field visits for delinquent accounts to enhance collection efforts

· Pre-employment integrity testing scored at 92%

· Maintain a professional relationship with associates, clients, and prospects to build rapport for long term relationships

· Known and credited for my ability to multi-task with ease and be assertive but compassionate

· Exceptional organization skills and advanced proficient computer knowledge to adequately perform required duties with ease

Assistant Manager

Dollar General Corporation - Dickson, TN

November 2016 to August 2017

· Manage store in the absence of the Store Manager

· Supervision of all store employees- scheduling, training, and mentor employees

· Ensure a safe working environment that benefits employees, customers, and protects corporate benefits

· Effective management of inventory and merchandise

· Review operating statements to identify business trends, expense control, shrink, and errors

· Complete all paperwork and documentation that follows company guidelines and deadlines

· Ensure that all policies and procedures are followed by all staff to be in compliance that is outlined in the Standard Operating Procedures manual, the

Employee Handbook, and company communications

· Effectively stage, stock, and store merchandise; truck delivery, UPS, and Vendor deliveries

· Assist in corporate plan-o-gram implementation and maintenance to assure corporate requirements

· Accurately control inventory levels for control of damages, markdowns, scanning, paperwork, and facility controls

· Control safety meetings, help maintain a clean, well organized store that facilities a safe and secure working and shopping environment

· Ensure merchandise is presented according to protocol per corporate, utilize merchandise fixtures property to include presentation, product price, and signing

· Provide Superior Customer Service Leadership

CSR Republic

Finance - Dickson, TN

May 2013 to April 2016

· Priorities include assisting customers with financial needs and to recommend ancillary products for financial benefits

· Cash control, includes receiving and posting payments and assisting customer with account information

· Loan preparation, from application, credit structure and closing loan explaining all documents for customer understanding

· Solicitation for new and existing customers by phone, mail and personal interaction

· Collections for current and past due accounts to meet monthly requirements

· Posting return checks and contacting customer to maintain account to a current status

· Account Payables working directly with vendors –code and post

· Mailing off UCC and Motor Vehicle Title and posting received UCC and Titles from the State

· Other duties as assigned by management

Business Manager

Crye-Leike REO Division - Nashville, TN

November 2008 to May 2013

· Invoice for reimbursement of 400 + properties; handle account receivables and collect on past due accounts

· Interface with major lenders via face-to-face, phone and electronically

· Manage weekly account payables to vendors, includes coding and processing payment; maintain vendor records

· Oversight of payroll, state and federal quarterly and yearly filings, bank reconciliation, financial reports

· Assistant to the Broker and supervise staff of 8 team members

· Responsible for Tax Preparation and Insurance Audits

· Complete Brokers Price Opinions, contracts, tax preparations, customer and client services Real Estate Agent

Coldwell Banker Dotson (Retired License) - Dickson, TN May 2003 to December 2008

· Assisted buyers and sellers; wrote and executed formal contracts and negotiations

· Worked with mortgage lenders and home inspectors

· Completed broker price opinions for various mortgage lenders, and other activities as needed Past Employers that I worked Part and Full Time as needed to supplement income while in Real Estate: Office Manager

Giffin Construction, LLC - Dickson, TN

April 2004 to August 2008

Office Manager

Conrad Construction Co., Inc. - Nashville, TN

January 2004 to November 2006

Office Manager Pruett Electric Services, LLC - Dickson, TN October 2002 to January 2004

· Accuracy and detail Accounts Receivables for efficient records

· Account Payables, coding and entry, check run and posting

· Payroll, human resource records, insurance management, and taxes

· Credit and Collections

· Purchase order control, including inventory and tracking expenses

· Job costing for details for contractor and clients

· Provide excellent customer service to internal and external clients

· Managed subcontractor information and year end closings (1099), tax preparation

· Documented paperwork to prepare for insurance audits

· Superb customer service,; continually managed difficult situations with ease and grace

· Total quality management provided in all areas necessary to maintain office and clientele

· Followed state guidelines and record keeping to ensure compliance

· Provide all aspects of office management to include paperwork, customer service and internal employee relations

· Maintained accuracy with tax preparation, includes monthly and year end for federal and state filings Education

Bachelor of Business Administration in Business Management Austin Peay State University - Clarksville, TN

December 2010 to December 2010

State of Tennessee Real Estate License: Issued

Skills

• Loan Origination

• UCC Law

• Customer service

• Computer skills

• English

• Filing

Certifications and Licenses

MLO

Real Estate License

Contact this candidate