Brandy Holloway

• Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
• Adhered to banking standards and government lending guidelines for loan services.
• Reviewed and verified income, credit reports and employment histories for each borrower.
• Checked appraisals, title information and insurance documents for each property.
• Obtained and analyzed financial statements to assist in credit limit reviews.
• Reviewed credit reports to comprehensively view borrowers' credit history and identify potential red flags.
• Analyzed and monitored portfolio credit performance against expectations and recommended improvement strategies.
• Approved or denied loans based on established criteria and underwriting guidelines.
• Maintained mortgage program compliance with federal agencies such as VA, HUD, and FNMA.
• Monitored pipelines to track and log status of loans.
• Identified opportunities to cross-sell and upsell loan products to customers.
• Supervised loan personnel and motivated to maintain customer service and performance standards.
• Gathered information to present loan files to Committee for review.

• Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
• Prepared file for final clear-to-close by branch management.
• Handled any conditions sent from underwriting departments.
• Upheld complete confidentiality of all submitted information according to release guidelines.
• Set up and completed loan submission packages.
• Collected and compiled paperwork such as title abstracts, insurance paperwork, loan files and tax histories.
• Verified credit histories, personal references and employment backgrounds for each applicant
• Prepared closing packages and post-closing matters
• Analyzed borrower credit reports and income statements to verify accuracy.
• Verified credit histories, personal references and employment backgrounds for each applicant.

• Maintained confidentiality of bank's customers and adhered to all regulatory requirements
• Conducted regular proof work and followed up on chargebacks and deposit corrections
• Quickly learned new skills and applied them to daily tasks, improving efficiency and productivity
• Immediately reported discrepancies and assisted in clearing discrepancies.
• Processed account maintenance requests and checked for alignment with bank policy
• Handled PIN reorders, new cards and maintenance for debit cards
• Handled ATM service maintenance and disputes
• Counted, verified and handled bank deposits and armored car transactions
• Calculated fees due, interest and change for customer transactions

• Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans
• Handled customer complaints with relative ease by conducting research, listening carefully and taking appropriate action
• Monitored pipelines to track and log status of loans
• Explained very technical financial information to applicants in easy to understand language
• Proactively identified solutions for customers experiencing credit issues
• Ordered and receives evaluations, appraisals, and title work
• Prepared and filed UCC-3 and vehicle liens
• Produced financial reports as required
• Compiled closing packages for drafting and presentation accuracy
• Established plans and payoffs for customers' loans, prioritizing control of overall costs
• Issued Letters of Guarantee, when necessary
• Responsible for the training of all new Service Specialist
• Maintained energy and enthusiasm in fast-paced environment
• Assisted with the filings of GAP, Life and Disability Claims
• Quickly learned new skills and applied them to daily tasks, improving efficiency and productivity.
• Reviewed and approved or denied credit applications to keep organization profitable by making informed lending decisions.

• Represented Navy Federal Credit Union in a courteous and professional manner

• Assumed responsibility for the effect and professional performance of member service functions

• Assisted members with routine account-related questions- depository, loan and credit card accounts

• Responded in a professional manner to members' inquiries, request, problems and concerns

• Complied with all federal, state and organizational policies, procedures and process, including (but not limited to) the Bank Secrecy Act (BSA) and Office of Foreign Assets Control (OFAC)

• Performed routine member transactions to include deposits, withdrawals, cash advances, loan payments, transfers and cash in a courteous, accurate and efficient manner.

• Served as a Notary Public for the state of Mississippi

• Served as a Trainer for fellow MSR on Account Servicing and Teller

• Frequently participated in the branch Audit.