Looking for a job

Kelly Vallette

@kellyvallette

Message

I streamline consumer and indirect lending operations through accurate processing, automation, and training.

United States

Message

What I'm looking for

I'm looking to apply my consumer and indirect lending experience to improve processing accuracy, automate reporting, strengthen workflows, and build effective training programs.

I've processed, funded, and improved consumer and indirect loans at SchoolsFirst Federal Credit Union, including auto, personal, credit card, and educational lending across direct and indirect channels.

I built an automated Excel funding-reporting system that increased funded loan volume by 15% and loan production by 30%, along with a loan-to-value worksheet that improved funding accuracy and exception review.

Across SchoolsFirst, Solano First, and Golden 1 Credit Union, I've reviewed loan applications, verified income, identified fraud indicators, resolved dealer and member escalations, and developed an organization-wide indirect-lending training program for 70+ California branches.

Experience

Work history, roles, and key accomplishments

Consumer Lending Specialist III

SchoolsFirst Federal Credit Union

Jul 2018 - Oct 2025 (7 years 3 months)

Processed and funded consumer loans across direct and indirect channels, verified income documentation, and resolved member and dealer escalations. Developed an organization-wide indirect-lending training program and automated reporting tools that increased funded loan volume by 15% and loan production by 30%.

Consumer Lending Indirect Lending Loan Processing Income Verification Documentation Analysis Excel Automation VBA Macros Training program development Loan Origination Systems Symitar CLOs Dealer Relationship Management Member Communication

Consumer and Indirect Loan Officer

Solano First Credit Union

May 2017 - Jun 2018 (1 year 1 month)

Reviewed and analyzed loan applications, calculated capacity, credit utilization, and LTV ratios, and independently approved, modified, or denied loans within established lending authority. Verified pay stubs and income documentation, applied fraud-detection techniques, audited loan files for compliance, and worked with dealerships and members to structure loan terms and resolve escalations.

Indirect Loan Processor

Golden 1 Credit Union

Oct 2015 - Apr 2017 (1 year 6 months)

Reviewed indirect auto loan applications and dealership funding packages for completeness, accuracy, income verification, and required signatures. Identified fraud indicators and documentation red flags, escalating irregularities in accordance with credit union policy.

Education

Degrees, certifications, and relevant coursework

CalBright College

Certificate In Progress, Project Management

2026 -

Coursework covering the core project constraints — cost, scope, quality, risk, resources, and time — along with the fundamentals of planning, coordinating, and delivering projects.