I'm just me

Conducted in-depth quality assurance reviews for retail business banking, new account openings, and unsecured lending, ensuring compliance with internal policies and regulatory standards. Utilized 28 different systems to monitor and perform quality checks, identifying errors and system issues to ensure operational integrity.

Analyzed loan risks, performing comprehensive credit evaluations and assessing borrower employment, income, and credit history to determine creditworthiness. Reviewed and verified income documentation to ensure compliance with lending policies and reduce risk.

Investigated fraud cases involving credit card transactions, including lost, stolen, or fraudulent use of Sears credit cards. Managed a caseload of disputed transactions, researching and resolving cases promptly to maintain customer trust and mitigate financial loss.

Managed collections on charged-off accounts, working to recover funds from accounts ranging from one year to over ten years delinquent. Negotiated payment plans and settlements with customers, providing flexible solutions to help them resolve outstanding debt.

Conducted outbound collections calls to customers with accounts 30-120 days past due. Negotiated favorable payment terms, ensuring payments were made in a timely manner to bring accounts current.

Managed collections for a wide range of delinquent accounts, performing outbound calls to recover outstanding balances. Assisted customers in enrolling in Hardship Programs and negotiating settlements.

Analyzed applicants’ financial status to determine creditworthiness for various banking products, including loans, lines of credit, and savings accounts. Led efforts to identify and capitalize on financial sales opportunities, assisting clients with securing financial products that best met their needs.

Obtained an Associates Degree in Finance, gaining foundational knowledge in financial principles and practices. Developed skills in financial analysis and risk management relevant to the banking sector.