Tracy Carter
Lancaster
Summary
Experienced Loan Officer adept at assessing customer needs, providing suitable products and guiding customers through loan process. Handles complex financial transactions using in-depth knowledge of loan products, services and lending regulations. Develops strong customer relationships by providing excellent service. Excellent organizational and interpersonal skills. The ability to manage multiple projects and perform efficiently and courteously in a fast-paced environment. While upholding quality standards. Highly trustworthy, hardworking, optimistic, and result-driven individual.
Overview
28
28
years of professional experience
Work History
Loan Officer II
Edwards Federal Credit Union
04.2013 - Current
- Input HELOC applications
- Review and make decision and funding HELOC loans
- Process all consumer loan types
- Interview applicants to determine if qualifying factors are met via phone, fax, email, mail or in person asking pertinent loan questions to determine financial needs - advise or cross sell as appropriate; assist members with the loan application process to ensure completeness of information.
- Assisted clients in selecting appropriate loan products for their needs, resulting in higher customer satisfaction.
- Improved loan processing efficiency by streamlining application procedures and documentation requirements.
- Collaborated with underwriters to expedite loan approvals and close deals in a timely manner.
Branch Supervisor
Edwards Federal Credit Union
03.2013 - 04.2013
- Interview and assist with funding for Home Equity Loans and Line of credits
- Verify the accuracy of loan amounts and repayment terms on approved loan applications
- Complete loan documents and disburse loans when approved
- Must follow up on Loan processing to ensure all documentation is proper and loan is set up correctly
- Assist member/applicant by phone, fax, email, mail and in person asking pertinent loan questions to determine financial needs - advise or cross sell as appropriate; assists members with the loan application process to ensure completeness of information; pull credit reports for all accounts, verify debt, and estimate monthly payments for any outstanding debts not listed and add them to debts on application
- Approve/Deny all loans within Loan Officer Guidelines; if not within guidelines pass loan to Loan Officer III or Lending Manager for approval
- Enthusiastically cross sell all loan products and services as appropriate
- Ensures that Adverse Action letters are dispatched within required time frame
Member Service Representative III
Edwards Federal Credit Union
01.2011 - 03.2013
- Resolved associate, tool and service delivery issues revealed by statistical reports.
- Investigated and resolved accounting, service and delivery concerns.
- Cross-trained and provided backup support for organizational leadership.
- Monitored cash drawers in multiple checkout stations and maintained adequate cash supply.
- Trained new personnel regarding company operations, policies and services.
- Educated customers about billing, payment processing and support policies and procedures.
- Opened customer accounts and provided deposit and withdrawal receipts.
Senior Telephone Service Representative
Wescom Credit Union
08.2001 - 01.2011
- Performing all teller transactions
- Opening all forms of accounts, including Individual Retirement Accounts
- Training and supervising tellers and other MSRs
- Creating and maintaining the daily and weekly schedule for operations.
- Maintained comprehensive knowledge of company policies, procedures, and product offerings to provide informed recommendations to customers.
- Supported sales initiatives by up-selling additional services and products based on customer needs analysis.
- Handled billing inquiries with accuracy and attention to detail, ensuring timely resolution of discrepancies or disputes.
Special Accounts Processor
Los Angeles Federal Credit Union
04.1996 - 08.2001
- Coaching, mentoring, training, and critiquing of other employees
- Loan processing
- Direct supervision of the department
- Directly responsible for the creation, maintenance, and troubleshooting of all specialty accounts, including, but not limited to, IRA and deceased accounts.
- Enhanced team collaboration, sharing best practices for efficient processing techniques.
- Supported team members in their tasks, contributing to overall team success.
- Participated in continuous training initiatives, staying up-to-date on relevant regulations, policies, and best practices within the processing field.
Education
High School Diploma -
John F. Kennedy High School
Granada Hills, CA06.1990
Skills
- Fast typing speed
- Proficient with Microsoft Power Point, Word, and Excel, as well as the following programs: Symitar, GUI, Teller, Branch Suite, Data Safe and Lender
- Well-versed in training, supervisory, and management techniques for small to medium sized groups
- Extremely proficient in customer and member service, as well as conflict resolution
- Financial Analysis Aptitude
- Mortgage Lending
References
- Judy Austin, Central Services Specialist-First City Credit Union
- Angela Carmouche, Financial Service Representative- California Credit Union
- Nicole King, Member Service Representative -Firefighters First Credit Union
Timeline
Loan Officer II
Edwards Federal Credit Union
04.2013 - Current
Branch Supervisor
Edwards Federal Credit Union
03.2013 - 04.2013
Member Service Representative III
Edwards Federal Credit Union
01.2011 - 03.2013
Senior Telephone Service Representative
Wescom Credit Union
08.2001 - 01.2011
Special Accounts Processor
Los Angeles Federal Credit Union
04.1996 - 08.2001
High School Diploma -
John F. Kennedy High School
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