NICOLE TOLBY
Irvine
Summary
Experienced professional in the credit union industry with over two decades of expertise in Consumer Lending Processes. Dedicated to fostering a collaborative environment and leading a high-performing team towards achieving shared goals. Skilled in inspiring others and driving success and growth within the organization.
Overview
22
22
years of professional experience
1
1
Certification
Work History
Assistant Manager, Consumer Loan Servicing
SchoolsFirst FCU
03.2020 - Current
- Managed and developed a high quality team of 17 Processors
- Trained and mentored team members, fostering a culture of continuous improvement.
- Conducted performance evaluations, providing constructive feedback for development.
- Managed and motivated team members to be productive and engaged in work.
- Analyzed performance metrics to identify areas for improvement and increase service quality.
- Developed and implemented process improvements to enhance operational efficiency.
- Analyzed operational data to identify trends and inform strategic decision-making processes.
Assistant Manager, Consumer Loan Operations
SchoolsFirst FCU
06.2016 - 03.2020
- Managed team of 25 Loan Processors for Indirect and Direct Consumer Lending.
- Coordinated cross-functional projects with Consumer Loan Underwriting, fostering collaboration between departments for enhanced service delivery.
- Conducted regular performance reviews, identifying areas for improvement and developing action plans to address them with monthly check ins.
- Analyzed operational data to identify trends, facilitating informed decision-making for process improvements.
- Developed and maintained relationships with external vendors.
Senior Consumer Loan Underwriter
SchoolsFirst FCU
04.2014 - 06.2016
- Mentored and trained Underwriters on best practices in credit decisions and Member service.
- Collaborated with underwriters to improve approval ratios and decision quality.
- Evaluated consumer loan applications to determine eligibility and risk factors.
- Guided Members through loan products, enhancing understanding and satisfaction.
Consumer Loan Underwriter
SchoolsFirst FCU
05.2005 - 04.2014
Consumer Loan Processor II
SchoolsFirst FCU
10.2003 - 05.2005
Education
Associate in Arts (A.A.) - Art
Fullerton College
Fullerton, CA05.2006
Skills
- Award winning World-class personal service
- Problem-solving
- Decision-making
- Project management
- Lending and core systems: Symitar, Temenos, DealerTrack, Vitu
- Microsoft Office products
Certification
- Graduate of SchoolsFirst FCU Management Essentials
- BPA and CSS Certified
Timeline
Assistant Manager, Consumer Loan Servicing
SchoolsFirst FCU
03.2020 - Current
Assistant Manager, Consumer Loan Operations
SchoolsFirst FCU
06.2016 - 03.2020
Senior Consumer Loan Underwriter
SchoolsFirst FCU
04.2014 - 06.2016
Consumer Loan Underwriter
SchoolsFirst FCU
05.2005 - 04.2014
Consumer Loan Processor II
SchoolsFirst FCU
10.2003 - 05.2005
Associate in Arts (A.A.) - Art
Fullerton College
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