Carrie Horton

Evaluated and underwrote consumer loan applications, including auto and personal loans, assessing applicant creditworthiness by analyzing credit reports, income verification, and debt-to-income ratios. Applied sound judgment within lending authority to approve, counteroffer, or decline applications in alignment with risk management policies and maintained compliance with federal and state lending

Evaluated and authorized approval or denial of loan applications for individuals and businesses, ensuring compliance with lending regulations and internal policies. Analyzed applicants’ financial status, credit, and property evaluations to determine loan feasibility and risk, decisioning based on company policies and regulatory guidelines.

Handled Real Estate Agent questions and concerns, maintaining records of customer interactions and processing customer accounts. Followed communication procedures, guidelines, and policies to ensure efficient and compliant service delivery.

Managed direct reports' workload balance to ensure client and employee satisfaction, and produced and presented financial reports for top executives. Onboarded and trained new employees in operational activities, maintaining office workflow and supplies.

Led a team of three account representatives to succeed in units, delinquency, and customer service goals. Analyzed credit reports to determine a customer’s ability, stability, and willingness to pay, ensuring the branch exceeded company audits and adhered to state and federal laws.

Currently enrolled in a Business Administration program. This ongoing education focuses on developing key business acumen and administrative skills.

Completed high school education, earning a diploma. This foundational education provided a broad understanding across various subjects, preparing for further academic and professional pursuits.