Bailey Rhoades
Stevenson
Summary
Professional with strong experience in loan origination, adept at building relationships with clients and navigating complex financial processes. Skilled in financial analysis, risk assessment, and regulatory compliance. Team-focused with proven ability to adapt to changing needs and achieve results. Reliable, collaborative, and results-driven, bringing strong knowledge of consumer loan products and lending practices.
Overview
13
13
years of professional experience
Work History
Consumer Loan Originator
Tennessee Valley Federal Credit Union
08.2021 - Current
- Updated borrowers through each step of loan application, approval and closing processes while remaining attentive to customer needs.
- Interviewed applicants to assess loan requirements before suggesting offers.
- Submitted loan applications to underwriter for verification and recommendations.
- Maintained strict confidentiality of bank records and client information.
- Collected information from banks, institutions and employers to assess applicant eligibility.
- Recommended loan approvals and denials based on customer loan application reviews.
- Complied with regulatory requirements of Bank Secrecy Act, Anti Money Laundering, OFAC, USA Patriot Act, Privacy Act and Community Reinvestment Act.
- Successfully closed average of 78 loans per month.
- Consistently closed an average of $16 million in loan production per year
- Maximize all insurance sales opportunities for eligible members
- Run and analyzed daily loan and insurance sales reports to track in a detailed spreadsheet.
Consumer Loan Processor
Tennessee Valley Federal Credit Union
10.2018 - 08.2021
- Reviewed loan files for completeness, identified missing documentation and generated condition lists for applicants.
- Prepared documents for underwriting by verifying client income, credit reports and other information.
- Reviewed financial statements and contacted institutions and customers to clarify details.
- Provided quick turnaround times to maintain fast-past schedule.
- Handled any conditions sent from underwriting departments.
Financial Services Consultant/Cash Vault Service Specialist
Tennessee Valley Federal Credit Union
02.2016 - 10.2018
- Welcomed members with courteous and professional approach to drive prompt, accurate and efficient transactions
- Sorted and counted coin and currency to make change for associates.
- Followed company policies, procedures and practices for accurate recordkeeping and loss prevention.
- Investigated staff out-of-balance conditions and instituted corrective procedures
- Processed deposits, withdraws, and loan payment transactions
- Executed wire transfers, stop payments, and account transfers
Waitress
Shoney's Restaurant
02.2012 - 03.2016
- Maintained customer satisfaction with timely table check-ins to assess food and beverage needs.
- Used cash registers and credit card machines to cash out customers.
- Kept server areas clean and stocked to increase efficiency while working tables.
- Greeted new customers, discussed specials and took drink orders.
- Bussed and reset tables to keep dining room and work areas clean.
- Stored food in designated containers and storage areas to increase shelf life, improve kitchen organization and provide easy access during busy peak service times.
- Stayed up-to-date on menu changes to help customers make food choices.
Education
No Degree - Certificate in General Education
Northeast Alabama Community College
Rainsville, AL05.2018
High School Diploma -
North Jackson High School
Stevenson, AL05.2014
Skills
- Strong organizational abilities
- Active Listening
- Collaborative team member
- Strategic decision-making
- Conducting client interviews
- Sales experience
- Data Analysis
- Proficient in Microsoft outlook, word, and excel
- Financial Advising
- Dependability
- Detail-oriented
- Credit Life and disability Insurance Advisor
- Pipeline management
- Self motivation
Timeline
Consumer Loan Originator
Tennessee Valley Federal Credit Union
08.2021 - Current
Consumer Loan Processor
Tennessee Valley Federal Credit Union
10.2018 - 08.2021
Financial Services Consultant/Cash Vault Service Specialist
Tennessee Valley Federal Credit Union
02.2016 - 10.2018
Waitress
Shoney's Restaurant
02.2012 - 03.2016
No Degree - Certificate in General Education
Northeast Alabama Community College
High School Diploma -
North Jackson High School
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