Ashleigh Millat

Work History

Buckeye State Credit Union

12.2021 - Current

Proactively identified solutions for customers experiencing credit issues.
Approved loan applications based on customer creditworthiness and provided detailed financial advice.
Analyzed potential risks and evaluated loan products to identify suitable options for customers.
Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
Monitored pipelines to track and log status of loans.
Created strategies to develop and expand existing customer sales, resulting in increase in annual sales.
Assessed loan portfolios for compliance with underwriting policies.
Processed loan applications and monitored progress from start to finish.
Assisted clients with improving financial health by counseling on issues such as excessive spending and borrowing.
Compiled closing packages for drafting and presentation accuracy.
Suggested and cross-sold other products or services on approved loans that benefited customer.
Supervised loan personnel and motivated to maintain customer service and performance standards.
Developed and maintained relationships with customers, lenders and other third parties.
Processed consumer home equity loans from underwriter approval through final approval with speed and precision.

Buckeye State Credit Union

08.2018 - 12.2020

Collected, quantified, and collated financial documents for consumer loan applications
Reviewed credit reports for inaccuracies and high-risk indicators
Assisted in streamlining underwriting and compliance processes
Tracked loan status and updated applicant information to inform lenders of changes to applicants' financial situation.
Ensured federal compliance in the pre-acquisition stages
Collaborated with loan officers to develop strategies for managing loan application processing.
Collected and compiled paperwork such as title abstracts, insurance paperwork, loan files and tax histories.
Communicated acceptance or rejection to loan staff via mail, email, telephone or personal consultations.
Verified credit histories, personal references and employment backgrounds for each applicant.
Reviewed loan files for completeness, identified missing documentation, and generated condition lists for applicants.
Readied Truth-in-Lending Disclosures for loan applicants, delivering important information about loan APR and repayment terms.
Prepared documents for underwriting by verifying client income, credit reports, and other information.
Provided quick turnaround times to maintain fast-past schedule.

Ashleigh Millat Photography LLC

01.2015 - 12.2017

Became familiar with e-commerce implementation
Directly and solely responsible for research and development, marketing, advertising, and client retention of business
Became well-versed in direct-to-consumer marketing, as well as social media marketing, and digital image editing
Organized and attended trade shows and special events to showcase products, network with other businesses, and attract new customers.
Conducted target market research to discover customer needs and analyze competitor trends.
Managed day-to-day business operations.
Worked with marketing teams to create print and online advertisements to bring in new customers.
Put together realistic budgets based upon costs and fees for successfully operating the business.
Introduced new methods, practices, and systems to reduce turnaround time.
Used knowledge of market trends to create value-added solutions resulting in a significant increase in revenues.
Learned and became adept in industry-standard editing tools such as Photoshop, Lightroom, and PaintShopPro
Responsible for maintaining business finances including but not limited to return on investment, business and sales taxes, business insurance, budgeting, and financial projections

Cutler Realty

03.2007 - 06.2010

Generated leads for sales and rental properties through cold calls and referrals.
Developed and presented proposals to clients to raise awareness of potential real estate investments.
Worked closely with clients to facilitate appropriate loans, inspections, and credit reports.
Presented purchase offers to sellers for consideration.
Reviewed market research data and changed sales plans accordingly.
Communicated with clients to understand property needs and preferences.
Marketed and sold property for clients by hosting open houses and advertising online and in print.
Advertised client properties through websites, social media, and real estate guides.
Sold high volume of properties in short timeframes to exceed quotas and maximize business revenue.
Maintained connections with clients to encourage repeat business and referrals.
Managed contracts, negotiations, and all aspects of sales to finalize purchases and exceed customer expectations.

GE Capital

08.2007 - 06.2009

Prescreened credit applicants for possible fraud -Reviewed identifying credit bureau information for inaccuracies and fraud alerts
Became adept in all consumer and business credit reporting agencies
Collaborated with team members to discuss fraud trends and brainstorm methods to combat this type of crime.
Remotely verified consumer identity in pre-acquisition stages
Analyzed financial statements to identify discrepancies, irregularities and fraudulent activity.
Summarized all key information regarding investigation into detailed report for delivery to client.
Reviewed transactions and receipts to identify any suspicious activity.
Contacted customers directly to notify of fraudulent activity and minimize impacts.
Reviewed reports and individual transactions which appeared suspicious to uncover possible fraudulent activity.
Utilized translators to assist with language barriers -Managed department inbound and outbound call services
Served as a business-to-business customer service liaison

TNT Tanning

01.2005 - 06.2008

Managed 4-5 retail salon locations
Directly managed 20-25 person team
Supervised staff to optimize brand expansion initiatives and productivity.
Launched over 3 new locations through effective management of personnel and training strategies.
Hosted staff meetings and product sales trainings
Identified above-average performing stores for sales goal targets of underperforming stores
Forecasted sales and established processes to achieve sales objectives and related metrics.
Established and maintained operational standards for 5 locations.
Worked diligently to resolve unique and recurring complaints, promoting loyalty, and enhancing operations.
Completed new hire onboarding and training