Carolina Foskey
Whaleyville,MD
Summary
Multi-talented loan processing professional versed in customer service and bank standards. Excellent communicator and decision-maker with a strong eye for detail and a proactive nature.
Overview
16
16
years of professional experience
Work History
Loan Administrator
Bank of Ocean City
Berlin, MD
04.2024 - Current
- Reviewed loan applications and documents for accuracy, completeness and compliance with lending regulations.
- Processed payments from customers and maintained accurate records of payment histories.
- Monitored loan files to ensure all necessary documentation is received in a timely manner.
- Updated customer databases with current account information and changes in status.
- Maintained confidentiality of sensitive customer data according to company policies.
- Updated client account information and records in company databases.
- Prepared reports for customers with delinquent and irreconcilable accounts.
Loan Processor
The Farmers Bank of Willards
Willards, MD
06.2009 - 04.2024
- Checked approvals against established bank and government lending standards.
- Supported loan officers by ensuring timely, judicious and accurate loan processing.
- Organized loan files, updated databases, prepared general correspondence and communicated with stuff and customers.
- Followed up with appropriate loan officers for guaranty approval, charge off and maturity extension.
- Reviewed and verified borrowers' income, credit reports, property appraisals and supplemental information to prepare documents for underwriting.
- Maintained complete confidentiality in accordance with organization and legal requirements.
- Performed basic administrative duties, including answering calls, taking messages, data entry, typing tasks and locating files upon request.
- Retrieved, sorted, copied, and filed all documents and paperwork.
- Monitored borrower's accounts for delinquency or default status changes.
- Performed loan calculations for amortization schedules, interest rates, payments.
Accounting Clerk Assistant
The Farmers Bank of Willards
Salisbury, Maryland
05.2018 - 10.2018
- Delivered exceptional customer service through direct communication with clients and team members.
- Responded to client and vendor inquiries via email and telephone, providing updated and accurate information.
- Compiled and archived signed sales agreements, client cost confirmations, invoicing and cash receipts.
- Worked with supervisor to address and resolve issues with documentation or financial entries.
- Generated detailed reports outlining financial metrics for use by upper management.
- Reconciled company credit cards, expense accounts and other expenses and financial records.
- Communicated with vendors and clients to facilitate timely payments and reduce outstanding accounts receivable.
- Verified and posted account transactions to prepare checks and maintain accounting ledgers.
Bookkeeping Clerk
The Farmers Bank of Willards
Willards, MD
10.2012 - 05.2018
- Prepared month-end closing entries for detailed reporting and recordkeeping.
- Applied mathematical skills to calculate totals, check figures, and correct problems with physical and digital files.
- Checked figures, postings and documents for correct entry, mathematical accuracy and proper codes.
- Reduced financial discrepancies by accurately managing accounting documentation.
- Verified and posted account transactions to prepare checks and maintain accounting ledgers.
- Reconciled bank and credit card accounts monthly.
- Processed customer payments and set up payment plans.
- Maintained accuracy when reviewing and reconciling general ledger.
Head Teller
Farmers Bank Of Lincoln
Ocean City, MD
06.2009 - 10.2012
- Handled cash transactions, balanced cash drawers, performed loan payments and issued cashier's checks.
- Kept teller window areas clean, organized and fully stocked.
- Balanced bank's vault of daily cash for withdrawals and deposits.
- Completed monthly audits and managed overdraft reports.
- Helped customers open and close accounts, apply for loans and make sound financial decisions.
- Ordered checks, placed stop payment orders and conducted additional special services for customers.
- Maintained optimal financial controls by securing funds and making accurate transactions.
- Welcomed customers and offered pleasant service during entire transaction.
- Reduced errors by double checking transactions.
Education
GED -
AGAPE Institution
Berlin MD 9 2006
Skills
- Commercial Lending and Refinance
- Verifying information
- Gathering appraisals
- Generating reports
- Preparing applications
- Processing documents
- Proficient in LaserPro, Prosing, IQ Softwares
- Preparing renewals, extensions
Languages
Spanish
Native/ Bilingual
Custom
I am bringing with me over 15 years of banking experience and experience related mortgage releases, deeds and all the knowledge that I acquirer becoming a real estate agent in 2022.
Timeline
Loan Administrator
Bank of Ocean City
04.2024 - Current
Accounting Clerk Assistant
The Farmers Bank of Willards
05.2018 - 10.2018
Bookkeeping Clerk
The Farmers Bank of Willards
10.2012 - 05.2018
Loan Processor
The Farmers Bank of Willards
06.2009 - 04.2024
Head Teller
Farmers Bank Of Lincoln
06.2009 - 10.2012
GED -
AGAPE Institution
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