Candise Wates
Moulton,AL
Summary
Experienced lending and customer-service professional with 18 years of banking and loan experience, supported by a broad background in reception, education, food service, cashiering, and public-facing roles. Skilled in credit review, loan processing, customer relations, account management, documentation, problem solving, and handling sensitive financial information. Known for professionalism, adaptability, accuracy, and the ability to build strong relationships with customers and coworkers.
Overview
19
19
years of professional experience
Work History
Loan Officer
Family Security Credit Union
Moulton, AL
03.2008 - 10.2026
- Approve consumer loans within established lending limits and present applications outside those limits to management for approval.
- Meet with loan applicants to gather information, explain lending requirements, and answer questions throughout the loan process.
- Obtain, review, and compile credit histories, financial statements, and other documentation needed for loan decisions.
- Stay current on loan products, financial services, and lending practices to better meet customers' financial needs.
- Work with customers to identify financial goals and recommend appropriate lending and financial solutions.
- Explain loan types, credit options, terms, conditions, and available services clearly and accurately.
- Resolve customer concerns and complaints professionally and take appropriate action to reach satisfactory outcomes.
- Calculate payment schedules and ensure loan documentation is complete, accurate, and compliant with policy.
- Match customer needs and eligibility with available financial products and provide informed recommendations.
- Counsel customers on personal and family financial matters related to responsible spending, saving, and borrowing.
- Processed consumer loan applications for credit union members.
- Reviewed credit reports, income documents, and collateral records.
- Explained loan options, rates, and repayment terms to members.
- Prepared loan files for underwriting and approval review.
- Verified compliance with credit union lending policies and regulations.
- Coordinated closings, signatures, and funding for approved loans.
- Maintained accurate loan records in credit union systems.
- Supported member questions throughout application and servicing steps.
- Educated customers on variety of loan products and available credit options to promote valuable decision-making.
- Developed and maintained relationships with potential customers to increase loan business.
- Delivered high levels of customer service to facilitate smooth processes.
- Reviewed loan agreements to confirm completeness and accuracy.
- Answered customer inquiries involving rates, products and loan application status to facilitate quality customer service.
- Recommended loan approvals and denials based on customer loan application reviews.
- Reviewed credit histories, income statements, and other financial information of loan applicants.
- Approved or denied loan applications based on established guidelines.
- Provided customer service support throughout the entire process from application through closing.
- Explained various types of loans available to customers and their associated terms and conditions.
- Approved loan within specified limits or referred to appropriate approval level.
- Responded promptly to customer inquiries regarding their accounts or other matters related to consumer lending operations.
- Met with applicants to obtain information for loan applications and answer questions about process.
- Processed payments received from borrowers in accordance with established policies and procedures.
- Maintained current knowledge regarding new laws, regulations, policies, procedures, products, services. related to consumer lending operations.
- Identified opportunities for cross-selling additional products and services.
- Attended periodic training sessions related to consumer lending operations.
- Processed cash deposits, withdrawals, and transfers using teller systems
- Balanced cash drawer and verified daily transaction totals
- Greeted customers and answered routine account questions
- Checked identification and followed bank security procedures
- Prepared cashier's checks, money orders, and certified payments
- Resolved basic account issues with clear, professional communication
- Balanced cash drawers on a daily basis.
- Handled large volumes of currency quickly and accurately with minimal errors.
- Answered customer inquiries regarding bank products and services.
- Maintained confidentiality of all customer records and information according to company policies.
- Built and maintained client relationships through quality, personalized interactions.
Receptionist / Administrative Support
- Welcomed visitors and customers, answered phones, scheduled and organized appointments, handled inquiries, maintained records, and provided professional front-desk service.
Indian Education Instructor / Teacher
- Provided instruction and support to students, prepared and presented educational activities, communicated with students and families, and maintained a positive and respectful learning environment.
Food Service / Food Handler
- Prepared and handled food safely, maintained clean work areas, followed sanitation procedures, assisted customers, and worked efficiently in a fast-paced environment.
Cashier / Customer Service
- Processed cash and card transactions accurately, balanced customer-service responsibilities with speed and accuracy, answered questions, and handled the public professionally.
Education
Associate in Science (A.S.) - Criminal Justice
John C. Calhoun Community College
Tanner, ALSkills
- Loan Processing & Underwriting Support
- Credit & Account Management
- Loan Disbursement & File Maintenance
- Banking & Financial Services
- Cash Handling & Point-of-Sale
- Food Handling & Safety
- Credit History Review
- Customer Relations & Public Service
- Payment Schedule Computation
- Problem Solving & Conflict Resolution
- Reception & Administrative Support
- Communication & Relationship Building
Timeline
Loan Officer
Family Security Credit Union
03.2008 - 10.2026
Cashier / Customer Service
Food Service / Food Handler
Indian Education Instructor / Teacher
Receptionist / Administrative Support
Associate in Science (A.S.) - Criminal Justice
John C. Calhoun Community College