Brenda Kyser

• Evaluated borrower creditworthiness by analyzing financial statements and credit reports.
• Reviewed loan applications for accuracy and completeness, ensuring regulatory compliance.
• Negotiated loan terms with borrowers, successfully finalizing contracts.
• Issued pre-approval letters to qualified applicants in a timely manner.
• Cultivated strong relationships with borrowers, lenders, and third parties to facilitate transactions.
• Processed loan payments efficiently to maintain cash flow.
• Guided clients through accurate completion of loan applications, enhancing submission quality.
• Maintained updated knowledge of consumer lending trends to inform decision-making.

Resolved customer complaints by implementing effective solutions in a timely manner.

Executed loan origination process, including ordering credit reports and appraisals.

Communicated with customers to address inquiries, process transactions, and resolve issues.

Supported loan officiant and underwriter teams by ensuring accurate loan processing.

Created comprehensive loan submission packages for approval.

Updated client records in company databases to maintain accuracy.

Gathered borrower information to pre-qualify clients and provide pricing options.

Negotiated favorable loan terms with customers to ensure satisfaction.

Evaluated and processed residential loan applications for conventional, FHA, USDA/RD, and VA Loans.

Examined Federal Tax Returns and financial statements to determine eligibility.

Conducted thorough assessments of loan applications to ensure compliance with lending standards.

Examined, evaluated, and processed loan applications for various categories, including consumer and commercial loans.

Reviewed collection reports to assess outstanding balances and collection statuses.

Networked within communities to identify and attract new business opportunities.

Analyzed tax returns and financial statements to support loan decisions.

Managed daily overdrafts and conducted monthly audits of cash and checks.

Assisted with travel club trips by organizing customer sign-ups and arrangements for events.

Served as Branch Manager from fall 2011 to fall 2012 before stepping down due to personal circumstances.

Directed branch activities to optimize worker performance and productivity.

Conducted audits of vault and teller windows to ensure compliance.

Reviewed management materials and performed verifications for accuracy.

Managed daily overdrafts and conducted monthly cash and checks audits.

Opened new accounts to expand customer base.

Interviewed candidates and contributed to informed hiring decisions.

Established and maintained relationships with individuals and business customers.

Assisted customers facing problems to ensure resolution and satisfaction.

Examined and processed loan applications for consumer and commercial use.

Networked with communities to identify and attract new business opportunities.

Approved or declined various types of loans, including consumer and real estate.

Reviewed collection reports to assess status of collections and outstanding balances.

Evaluated financial reporting systems and accounting procedures for efficiency.

Submitted delinquent accounts to attorneys or external agencies for further action.

Established and maintained customer relationships, addressing issues with effective solutions.

Processed, evaluated, and approved diverse loan applications including commercial and consumer loans.

Led cash flow management operations for financial instruments.

Interviewed new employees, assisting in strategic hiring decisions.

Recruited staff and developed comprehensive training programs.

Networked within communities to secure new business opportunities.

Instituted asset control procedures to ensure safekeeping of records and securities.

Reviewed collection reports to assess outstanding balances.