Summary
Overview
Work History
Education
Skills
References
Timeline
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Chaska Caraway

Tyler,TX

Summary

Accomplished professional with a proven track record at Prosperity Bank, enhancing loan portfolio quality and customer satisfaction through expert file processing and exceptional problem-solving abilities. Demonstrated success in fostering customer relationships and streamlining lending processes, contributing significantly to business growth and operational efficiency. Highly skilled Lending Assistant with significant experience in loan processing and customer service within the financial industry. Strengths include thorough understanding of lending procedures, regulatory compliance, and risk management. Demonstrated ability to build strong relationships with clients and colleagues, resulting in improved operational efficiency. Proven success in streamlining loan application processes to improve customer satisfaction and business performance.

Overview

23
23
years of professional experience

Work History

Lending Assistant

Prosperity Bank
1200 South Beckham Ave Tyler, Texas 75701
10.2016 - Current
  • Contributed to the growth of the lending department by identifying potential business opportunities through market research and targeted outreach initiatives.
  • Provided training and guidance to junior team members, fostering a positive work environment that encouraged professional development.
  • Improved customer satisfaction with prompt service, addressing inquiries and resolving issues in a timely manner.
  • Coordinated with third-party vendors such as appraisers, title companies, and attorneys to ensure timely completion of loan requirements.
  • Supported the successful closing of loans by preparing accurate and timely loan documentation packages.
  • Monitored borrower repayment activity, proactively addressing any delinquencies or potential issues before they escalated into significant problems.
  • Facilitated smooth communication between internal teams, coordinating efforts to meet deadlines and deliver exceptional results.
  • Streamlined lending processes for faster turnaround times, implementing efficient workflows and documentation management.
  • Assisted commercial lenders in underwriting complex loans, conducting thorough analysis of financial statements and collateral valuations.
  • Set up files using loan officer checklist and submitted on-time for processing.
  • Answered inquiries and provided superior customer service to clients.
  • Assisted with timely loan closing and funding activities with efficient management of task checklists.
  • Assembled important paperwork and disclosures for borrower.
  • Assisted in resolving customer complaints, following procedures to find mutually beneficial solutions.
  • Assisted customers with completing loan applications and other paperwork.
  • Developed and maintained relationships with customers, lenders and other third parties.
  • Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
  • Enhanced efficiency through diligent file maintenance, keeping records organized and easily accessible for audits or reviews.
  • Enhanced loan portfolio quality by closely monitoring credit risk and assisting with loan reviews.

Lobby Manager

Prosperity Bank
2507 University Blvd Tyler Texas
10.2011 - 10.2016
  • Fostered a welcoming environment by maintaining a clean, organized, and visually appealing lobby space.
  • Maximized sales opportunities through strategic marketing initiatives that showcased the bank''s products and services to current and prospective clients.
  • Reduced wait times for customers by optimizing staffing levels during peak hours and streamlining transaction processes.
  • Evaluated and recommended new banking products or services based on market trends, competitive offerings, and customer feedback, contributing to overall business development.
  • Improved branch security by implementing updated procedures, conducting regular audits, and collaborating with security personnel.
  • Increased cross-selling success by training staff to identify opportunities and effectively communicate product benefits.
  • Promoted a collaborative work culture by providing ongoing support to team members in meeting individual goals while also achieving branch objectives.
  • Supported community outreach initiatives as part of the bank''s corporate social responsibility program, strengthening brand reputation within the local market.

Customer Service Representative

Prosperity Bank
121 South Market Street Carthage, Texas 75633
07.2005 - 10.2011
  • Assisted in fraud prevention efforts by closely monitoring customer accounts and reporting suspicious activity as required.
  • Participated in regular training sessions to stay up-to-date on industry trends, regulatory changes, and product offerings.
  • Reduced wait times for customers by efficiently handling high volumes of calls and resolving issues quickly.
  • Assisted customers in navigating online banking platforms, improving their overall digital banking experience.
  • Worked closely with various internal departments such as lending or investments, ensuring seamless communication between teams for optimal client outcomes.
  • Maintained up-to-date knowledge of product and service changes.
  • Provided excellent customer care by responding to requests, assisting with product selection and handling ordering functions.
  • Exhibited high energy and professionalism when dealing with clients and staff.
  • Promoted superior experience by addressing customer concerns, demonstrating empathy, and resolving problems swiftly.

Bank Teller

Prosperity Bank
121 South Market Street Carthage, Texas 75633
07.2001 - 10.2001
  • Managed high-volume transactions during peak hours while maintaining attention to detail, ensuring seamless customer experience.
  • Balanced cash drawers accurately at the end of each shift, minimizing discrepancies in financial records.
  • Answered customer inquiries regarding account balances, transaction history, services charges, and interest rates.
  • Established trust with clients by maintaining confidentiality and protecting sensitive financial information.
  • Answered telephone inquiries on checking and savings accounts, loans, and lines of credit.
  • Processed customer transactions promptly, minimizing wait times.
  • Resolved customer issues promptly, fostering positive relationships between the bank and its clients.
  • Contributed to a welcoming branch environment by maintaining a clean and organized workspace for both staff members and customers alike.
  • Educated customers on banking products, enabling them to make informed decisions about their finances.
  • Logged cashier's checks and other transactions to maintain accurate account records.
  • Turned in excess cash to maintain drawer security.
  • Supported branch management in achieving operational excellence through adherence to regulatory guidelines and internal procedures.
  • Processed loan payments accurately, contributing to the overall efficiency of branch operations.
  • Assisted customers with compromised debit cards and issued new credentials.
  • Enhanced branch sales through cross-selling bank products and services to customers.
  • Placed orders for customer checks and verified starting numbers.
  • Assisted customers in opening new accounts, facilitating a smooth onboarding process for new clients.
  • Participated in ongoing professional development programs offered by the bank, staying up-to-date with industry trends and enhancing job performance.
  • Removed mutilated currency from circulation.
  • Identified sales opportunities and referred customers to branch partners in financial services.
  • Assisted customers with banking needs and inquiries.

Education

High School Diploma -

Tenaha High School
Tenaha, TX
05.1995

Associate of Applied Science - Office Systems Technology

Panola College
Carthage, TX

Bachelor of Arts - Elementary School Teaching

Stephen F Austin State University
Nacogdoches, TX

Associate of Science - Computer and Information Systems

Panola Junior College
Carthage, TX

Skills

  • Loan Processing
  • Documentation Review
  • Credit analysis
  • Banking regulations
  • Risk management assessments
  • Underwriting Assistance
  • Loan file review
  • Business Development

References

References available upon request.

Timeline

Lending Assistant

Prosperity Bank
10.2016 - Current

Lobby Manager

Prosperity Bank
10.2011 - 10.2016

Customer Service Representative

Prosperity Bank
07.2005 - 10.2011

Bank Teller

Prosperity Bank
07.2001 - 10.2001

High School Diploma -

Tenaha High School

Associate of Applied Science - Office Systems Technology

Panola College

Bachelor of Arts - Elementary School Teaching

Stephen F Austin State University

Associate of Science - Computer and Information Systems

Panola Junior College

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Chaska Caraway