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2071 Fossil Lane SW Cellular 704-900-9755

Concord, North Carolina Home 704-706-3436
Highly dedicated, detailed and deadline oriented professional with vast experien
ce in the Finance and Customer Service Industry. Demonstrated listening skills
resulted in precise decisions to enhance and maintain customer loyalty and stron
g working relationships. Strengths include:
a Strong verbal and written communications skills
a Ability to prioritize and solve problems
a Proven record of quality work while maintaining or exceeding production target
a Commended for dedicated work ethic and rewarded by steady promotions and train
ing in all aspects of work
a Resourceful, energetic, and results oriented
a Able to work in a team or independently
Wachovia Bank N.A., Charlotte, North Carolina 1996-2008
Senior Decisioner/Bank Officer (1998 - 2008)
a Reviewed and analyzed second mortgage requests ( Prime Equity Lines, Home Equi
ty Loans )within 24 hour period, using work flow process
a Reviewed credit bureau for credit worthiness and paying of existing debt in a
timely manner
a Reviewed income verification (recent pay stubs and tax returns) to determine d
ebt to income
a Reviewed property value ( tax assessed, electronic value, desktop appraisal an
d/or full FNMA for loan to value ratios.
a Continuous follow-up with branch lender on outstanding documents needed to com
plete request.
a Upon receipt of documentation, gave final decision to loan.
a Lending limit of $750k
a Mentor New Hires on work flow, procedure and rules
a Developed a system to streamline work process which was used by coworkers
a Team Leaders recognized my organizational skills and enlisted my aid to mentor
new or struggling employees
a Ability to effectively perform multiple tasks while meeting all deadlines
a Led monthly team meetings with diverse topics that related to the banking indu
stry, federal, state and local regulations, diversity in banking
a Developed several thought provoking team building strategy scenarios to improv
e morale
a Received numerous Shared Success Awards for ability to listen and solve proble
ms with branch lenders and clients

Retail Credit Processor/B/C Paper (1996 to 1998)

a upon receipt of folder from underwriter, contacted customer for requested info
rmation which included but not limited to:
a income verification
a discussing credit bureau discrepancies
a verification of job history for applicant and co applicant
a clearing title issues with title company
a obtaining flood insurance (when applicable)
a obtain proof of homeowners insurance
a verification of property taxes paid/ up to date
a setting up closing date and time
a obtaining all payoffs needed for debt/mortgage consolidation
a printing of all required documents needed for closing package
a once closed, verification all documents properly signed and notarized
a forward all documents to proper fulfillment areas in bank

Commerce Bank, Haddonfield, New Jersey 1978-1996

Assistant Branch Manager
Settled General Ledger Accounts. Scheduled tellers and platform staff

Colorado Technical University
AA in Medical Billing/Coding

Camden County College, Blackwood, New Jersey

Associate Business Administration
GPA: 3.95, Permanent Deans List
Rutgers University, Camden, New Jersey
English Literature Curriculum
Series 6 License (Inactive)

Microsoft Office: Word, Power Pt., Excel
American Institute of Banking (AIB)
Interpersonal Skills Training
Intro to Six Sigma
Principles of Banking and Customer Service
Fair Lending
Anti-Money Laundering
Fraud Prevention
Conflict Resolution
Know Your Customer