* Unique combination of expertise in consumer finance, management, mortgage, training and sales
* Experienced Loan Officer/Office Manager that enjoys challenges
* Quick study with a strong work ethic and exceptional time management skills
* Committed team player with finely tuned interpersonal and communication skills
* Self-confident manager and sales person with strong presentation and closing skills
* Strong customer service skills which establishes ongoing customer relationships
* Proficient with A/P and A/R
* Proficient with Microsoft Office, Excel, Spreadsheets, Outlook
Senior Assistant Branch Manager
August 2007 to August 2011
Duties: Training to become a branch manager with the company. $3.9 Million dollar office with roughly 2000 accounts including Personal loans, Retail Sales Installment Contracts and Real Estate loans. Some of my duties included all collections in the branch including outside collections; All credit insurance claims; CCCS accounts; Legals- from filing suits to garnishment and beyond; Bankruptcies; Kept new and current employees updated on current company policies and procedures. Trained new employees on ABS Loan Master system and trained current employees on any updates installed; Assisted in troubleshooting day-to-day operations including balancing problems and payment posting errors; Accounts Payables; Ordering and maintaining office supplies; Taking and Processing Loan Applications; Analyzed loan applications; Making credit decisions and loan upsells; Closed loans; selling of all loan products- Licensed to sell Life, A&H and Property Insurance; Extensive experience in skip tracing using Accurint for Collections, E-Port by Equifax, Credit bureaus, family, friends and & neighbors. **Reason for leaving- My husband and myself relocated to Houston, TX so I had to resign, otherwise I would still be with 1st Heritage Credit.
July 2006 to August 2007
Duties: Analyzed risk potential and made sound lending judgments on mortgage and home equity loans. Assisted customers in determining financial needs and recommended appropriate credit solutions. Interviewed loan applicants, set-up and processed files and prepared files for closing. Promoted and recommended products and services, answered customer inquiries and advised customers of approval or denial. Assisted in loan closings and disbursements.
Home Mortgage Consultant
July 2005 to July 2006
La for 1 year
Duties: Residential Mortgage Lending in the Subprime Lending Department- dealt with borrowers with credit scores as low as 500. Completed entire loan process from interview to closing and all aspects in between, including but not limited to processing, gathering of all personal documents and selling the loan that best fit borrower(s) needs. Generated my book of business from cold calling and referral deals from my strategic partners. **Reason for leaving- Subprime department was eliminated. Therefore, I received a severance package and began seeking other employment.
July 2002 to July 2005
Branch Manager, Washington Mutual Finance (formerly Commercial Securities) for 3.5 years
Duties: Branch Manager in charge of $2.5 million in volume; Collections; P&L's; Bankruptcies; Reposessions; Foreclosures; Personal loans; Sales contracts; Real estate loans; Accounts Payables; Accounts receivables; Daily, weekly and monthly reports; Resolving customer complaints; All training of employees; interviewing; hiring process **Reason for leaving- Company was purchased by Citifinancial. They split the accounts in my branch in Franklin, LA between other branches and shut down my branch.
Branch Manager, Southland Finance, New Iberia, La for 2 years
Duties: Personal loans from $50 to $500; Collections (both inside and outside); Accounts payables; Accounts receivables; Pay-day loans; Income tax preparation; Bankruptcies; Foreclosures; Profit and loss account collections; Daily, weekly and monthly reports
A&H and Property Casualty Insurance