yyyyyy x. yyyyyy

0000 xxxxxx xxxx , xxxx , xxxxx 00000

phonexxx-xxx-xxxx abc@xyz.com

objective

 

seeking opportunity where a significant banking/finance background, exceptional clients relations expertise, and a degree in accounting will provide an immediate and positive impact to a dynamic organization.

qualifications profile

 

proficiency in all aspects of the lending industry. ~  expert knowledge of underwriting concepts, practices, methods and techniques. ~ diligently ensures and monitors compliance with fannie mae and freddie mac requirements. ~ possesses an exemplary blend of communication, interpersonal, leadership, mathematical and planning skills. ~ excels in executing loan decisions, facilitating collections on delinquent accounts, and meeting or exceeding assigned revenue/profit targets. ~ adept at training, mentoring and team-building; empowers, motivates and inspires personnel, consistently focusing on accountability, customer rapport-building, and team cohesiveness. ~  meticulous and focused problem solver who quickly adapts to new roles, responsibilities, and environments.

professional experience

 

retail credit decisioner, wachovia bank, 2005 to present  

         efficiently and accurately underwrite home equity loans, mortgage express loans, lines of credit for small businesses, and loans for affluent client base. 

         apply sharp critical thinking capabilities to review appraisals, income documentation such as complex tax returns, applicant credit histories, trust documents, articles of incorporation and organization, operating agreements, and partnership agreements. 

         skillfully negotiate counteroffers and balance bank risk among competitive and demanding client segment.

         presented with spirit award for providing and promoting excellent service among peers and customers.

         administered training to new hires and at private banking decisioning site in san leandro, california.

         chosen as team ambassador on project to analyze and enhance training and continuing education efforts in retail credit division.

         participated in initiative between retail credit and mortgage departments to share resources and cross-sell services for relocation line of business.

 

vice-president/city executive, state employees' credit union, kannapolis nc & charlotte nc, 1997 to 2005

         steadily advanced throughout series of promotions based on exceptional performance, dedication, and results; earlier roles were teller, loan processor, and loan officer.

         spearheaded daily branch operations while concurrently performing underwriting of mortgages, home equity lines of credit, car loans, unsecured loans, and credit card products.

         oversaw cash management of branch and atm located within the branch, driving strict security policies and procedures.

         prepared auto insurance quotes and provided referrals for homeowners insurance and life insurance. 

         exercised solid leadership talents to manage, supervise and motivate 9 employees.

         steered compliance to audit standards in all departments (tellers, member service, and lending), successfully achieving and maintaining audit rating of excellent.

         directed collection of delinquent loan and mortgage accounts and filed claims with attorneys as needed.

         frequently handpicked as trainer/mentor based on substantial experience in numerous areas of lending; functioned as regional trainer for annuity sales, served on internal audit team, and coached new hires in successful cross-selling of deposit and loan products. 

education

 

bs degree in accounting, university of  north carolina at charlotte, charlotte nc, 2000

 

property & casualty, life & health, medicare care insurance licensure (inactive), state of north carolina