Lisa Yim

Gilbert, AZ • (C) 606-***-****

ady3wy@r.postjobfree.com

SUMMARY

Strong work ethic- Gets the job done with little to no supervision in a timely manner and performs calmly under pressure. Shows up on time when scheduled to do so and is very dependable. Prideful of work completed and will ensure that the job is done correctly and efficiently. A team player and will assist in job duties and training that are needed in order to help all employees achieve the goals set before them for the successful completion of the job duties assigned.

CORE COMPETENCIES

Knowledge of Billing

Collections procedures

Customer interface

Accounts Management

Excellent Customer Service

Appointment setter/Office Experience

Cash Handling/balancing cash drawer

Cross-selling Products and Services

Execute defined goals and activity metrics.

Prioritize and manage multiple responsibilities.

Funding of Loans Solid understanding of direct/indirect lending products and practices

Self motivated to meet/exceed goals

SELECTED ACCOMPLISHMENTS

Front Desk to accommodate members for appointments, answering questions and problem solving

Auto and Personal Loan Servicing and new accounts and Home Equity Loan Closings

Notary Public for the State of California

PROFESSIONAL EXPERIENCE

Auto Lending Specialist Bank Of America

Chandler, AZ 09-2022 -04-2023

Assist customers with applying for loans via online

Review loan applications and request all needed documents from customers to meet lending policy and procedures set by Bank Of America

Answering all inbound calls from customers that have questions about loans or follow up calls in regards to their loan applications

Review uploaded documents to ensure they meet the criteria of required documents that are needed to ensure funding of the customers auto loan.

Review applications and determine if all ratios and metrics set to meet customers ability to pay

Access customers needs and explore all options and products

Complete loan contracts and advise customers of policies and repayment options

Evaluate customers Credit Bureau Reports and Customers proof of income to determine customers eligibility for loan approvals

Solid understanding of direct/indirect lending products and practices

Financial Service Representative III Educational Employees Credit Union Fresno, CA 10/2017-05/2021

Provide Members (Customers) with information in relation to questions they have about Loans, Lending Practices and the different Accounts and Products offered by the Credit Union

Take Loan Applications and Finalize and book approved Loans

Ensure Loan Proceeds (Money) is sent to Dealerships, other creditors or into members accounts when Loan funding is complete.

Open Different types of Checking and Savings Accounts and Retirement Accounts

Make member appointments to see Representatives

Answer Phones and assist members over the phones with Questions or Concerns

Balance a cash drawer daily to ensure all debits and credits are accounted for

Notarize all qualified and Legal Documents for members and collect fee.

Review Credit Reports with members and advise what is reporting and what may be required to resolve in order to obtain a loan

Assist members with Fraud and Identity Theft or Elderly Abuse

Assist Collections Department with asking members for payment arrangements or collection of payments and applying those to past due loans to stop further Collection Efforts.

Review accounts for History of banking and balancing of funds in their accounts.

Southeast Kentucky Collections Department

L&N Federal Credit Union, 06/2009 – 03/2013

London, Kentucky

Reduced the overall delinquency rate for the state of Kentucky from 17% to 4% by establishing procedural limitations executing phases of recovery

Recognized for directing the team consistency and ranked #1 for maintaining the lowest delinquency rates throughout the state

Gathered data and prepared reports to accurately track department productivity and delinquency levels

Reconcile customer disputes as they pertain to payment of outstanding balances that are due

Resolve any checking or savings account discrepancies and/or fraudulent activities

Determines most effective and economical means of collection for each account; applies standard due diligence practices to collect monies owed; composes correspondence requiring knowledge of procedures and practices in collections and also sends a variety of standard collection letters.

Providing customer service regarding collection issues, process customer refunds, process and review account adjustments, resolve client discrepancies and short payments. Responsible for monitoring and maintaining assigned accounts- Customer calls, account adjustments, small balance write off, customer reconciliations and processing credit memos.

Accountable for reducing delinquency for assigned accounts.

Enlist the efforts of sales and senior management when necessary to accelerate the collection process.

M.D.O. (Member Development Officer - Loan Officer)

L&N Federal Credit Union, 07/2007 - 06/2009

London, Kentucky

Approve loans within specified limits, and refer loan applications outside those limits to management for approval

Meet with applicants to obtain information for loan applications and to answer questions about the process

Analyze applicants' financial status, credit, and ability to repay loan with reviewing debt to income.

Explain to customers the different types of loans and the terms of those services and repayment options that they could afford.

Obtain and compile copies of loan applicants' credit histories, and reviewing tax returns to prove income.

Create Customer loan files and ensuring all signed docs were in proper order

Opening IRA’s and Certificate of Deposit (CD’s)

Assisted Tellers with cash deposits, check cashing and withdrawals when needed

Teller

L&N Federal Credit Union, 06/2006 – 07/2007

London, Kentucky

Balance currency, coin, and checks in cash drawers at ends of shifts, and calculate daily transactions using computers, calculators, or adding machines

Cash checks and pay out money after verifying that signatures are correct, that written and numerical amounts agree, and that accounts have sufficient funds

Receive checks and cash for deposit, verify amounts, and check accuracy of deposit slips

Counted currency, coins, and checks received, by hand or using currency-counting machine, in order to prepare them for deposit or shipment to branch banks or the Federal Reserve

Assist customers with fraudulent activity with their accounts.

Making customers Debit Cards and assisting customer with setting up direct deposit

Placed weekly cash orders for the branch through the Federal Reserve

Credit Collections Representative

Household Fincance, 06/2001 – 06/2006

London, Kentucky

Manage communication with all customers to ensure payments and evaluate all expire accounts and maintain accurate records for same

Monitor all customer service calls and ensure completion within required timeframe and ensure compliance to all policies and procedures

Manage all communication for overdue accounts and investigate customer complaints and resolve all issues

Accountable for reducing delinquency for assigned accounts.

Ensure compliance to all federal and local regulations for collection process.

Soldier

United States Army, 2/1997-2/2001

Bad Kreuznach, Germany (1-41st Battalion)

Receive, inspect, inventory, load/unload, store, issue and deliver supplies and equipment

Maintain automated supply system for accounting of organizational and installation supplies and equipment

Deployed to Bosnia/Herzegovina as part of the Stabilization Force (SFOR)

oDeployed in support of Operation Joint Guard

Issue and receive small arms. Secure and control weapons and ammunition in security areas

Schedule and perform preventive and organizational maintenance on weapons

Operate unit level computers

Honors/Recognitions

Intro into Accounting

QuickBooks Pro 2015

Microsoft Office

Received Numerous awards while serving military service

Army Commendation Metal

Army Achievement Metal

Good Conduct Medal

Education

2017 – 2018: Clovis Adult Education Clovis, CA Administrative Assistant Program

Accounting

oPrepare a Chart of Accounts

oPrepare Journal entries and Ledger posting

oPrepare worksheet for adjusting entries and financial statements

QuickBooks

oCreate and back up company files

oRestore from a backup

oProcess invoices and payments

oProcess bills and payments

oManage customers and vendor lists

oPrint checks

Microsoft Office Professional Suite 2016

oMSWord

Prepare block and modified block format letters

Create manual scripts to include index and table of content

Create mail merge

oMS Excel

oMS PowerPoint

oMS Access

oMS Outlook

Send, receive, reply, reply all and forward messages

Manage tasks through the calendar

Office Procedure

oFiling

o10 key

*References furnished upon request

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