Chelee (Velvet) Rutledge
Albuquerque,NM
Summary
Seasoned Financial Services Representative with relevant experience in providing clients with tailored financial solutions and investment advice. Strengths include strong analytical skills, client relationship management, and knowledge of banking products and services. Previous work resulted in improved client satisfaction and specialize in financial analysis, customer relationship management, and regulatory compliance. Excel in communication, problem-solving, and time management to deliver exceptional service and solutions in fast-paced environments.
Overview
6
6
years of professional experience
Work History
Financial Services Representative
Lending Solutions Inc
Albuquerque
10.2023 - Current
- Created customized plans tailored to each individual client's needs.
- Worked collaboratively with other departments to provide comprehensive solutions for clients.
- Maintained up-to-date knowledge of current economic conditions and their impact on the markets.
- Processed transactions quickly and accurately in accordance with established procedures.
- Managed multiple accounts simultaneously while ensuring compliance with all relevant laws.
- Ensured that all customer inquiries were answered promptly and completely.
- Provided accurate information regarding fees, commissions, regulations related to financial services.
- Assisted clients in understanding complex financial concepts and instruments.
- Utilized assistive software, reporting tools and illustrations to educate clients on financial services and planning.
- Implemented effective client retention strategies resulting in high satisfaction and referral rates.
- Engaged in ongoing training and education to acquire knowledge of financial products and services in changing economic conditions.
- Provided customer service support to clients via phone, email and online chat.
- Processed deposits, withdrawals, transfers, payments, and other transactions accurately and efficiently.
- Recognized suspicious activities or fraud attempts in order to protect customers' assets.
- Utilized specialized software programs to manage customer records and access information quickly.
- Assisted customers with setting up online banking accounts, resetting passwords and navigating the website.
- Maintained knowledge of current interest rates on loans, savings accounts.
- Actively participated in team meetings providing input on process optimization initiatives.
- Developed strategies to improve customer satisfaction levels while meeting operational objectives.
- Identified opportunities to cross-sell additional banking products and services.
- Performed financial transactions such as deposits, withdrawals and transfers for clients.
- Answered customer questions regarding bank policies, procedures, products and services.
- Provided technical assistance when troubleshooting system errors or malfunctions.
Senior Underwriter
Lending Solutions Inc.
Albuquerque
04.2021 - Current
- Do document all decisions made during the underwriting process in accordance with regulatory requirements.
- Attended conferences, seminars, and training sessions related to consumer banking operations.
- Monitored pipeline activity to ensure timely processing of all loans within established service level agreements.
- Analyzed debt-to-income ratios to ensure borrowers met the requirements of underwriting guidelines.
- Performed quality control reviews on all approved and declined loans prior to closing.
- Maintained up-to-date knowledge of industry trends, best practices, government regulations, and market conditions.
- Reviewed, evaluated, approved, and declined high-risk mortgage loan applications for compliance with company policies and procedures.
- Collaborated with internal departments to resolve issues related to customer complaints or discrepancies in loan documentation.
- Conducted detailed analysis of borrower creditworthiness by evaluating financial statements, tax returns and other related documents.
- Evaluated accounts according to risk, hazard, and exposure guidelines and make accurate decisions.
- Utilized understanding of underwriting guidelines to keep work in line with government regulations and company requirements.
- Monitored underwriters' workflows to boost accuracy, align procedures, and improve efficiencies.
- Used authority to decide whether to accept, reject, or suggest modifications to application proposals.
- Utilized underwriting software to determine loan risk and make approval decisions.
- Monitored loan portfolio performance to identify and mitigate potential risks.
- Provided recommendations for risk management and insurance coverage.
- Worked alongside the internal department to cross-sell the company's offerings.
- Inspected financial statements, credit information and title data to complete underwriting procedures
Online Banking Specialist
USAA Federal Savings Bank
Albuquerque, NM
01.2019 - 03.2020
- Monitored customer accounts for suspicious activity or fraud attempts.
- Provided support during scheduled outages or upgrades of the bank's website.
- Identified opportunities for improvement within the existing online banking system.
- Tracked changes in regulations regarding online banking activities to ensure compliance with applicable laws.
- Reviewed feedback from customers concerning their experience with the bank's website.
- Created reports detailing customer activity in the online banking system.
- Responded promptly to customer requests via email and phone calls.
- Assisted customers with account setup and navigation of their online banking environment.
- Researched customer complaints and resolved technical issues related to online banking accounts.
- Coordinated with other departments to ensure proper implementation of new products or services offered through the bank's website.
- Troubleshoot customer inquiries regarding passwords and security questions.
- Developed and maintained online banking services for customers.
- Generated user profiles to provide customized content on the bank's website based on individual user preferences.
- Participated in meetings with thesenior management team to discuss ways to improve performance of online banking services.
- Implemented strategies for increasing customer satisfaction with the use of the bank's website.
- Maintained a secure environment by enforcing all security policies related to online banking systems.
- Facilitated wire transfers and processed foreign currency exchanges accurately.
- Educated customers on banking policies, procedures, and digital banking platforms.
- Collaborated with team members to meet branch targets and objectives.
- Conducted account maintenance activities, such as updating personal information and resolving discrepancies.
- Maintained confidentiality of banking records and client information to avoid possible data breaches.
- Assisted in the development and implementation of new banking products and services to meet customer needs.
- Offered every customer exceptional service levels by remaining friendly and professional during every transaction.
- Fulfilled diverse duties to provide customer service, operate money counters, balance and replenish ATMs, maintain accounts and open new accounts.
- Verified amounts and integrity of every check or funds transfer.
Store and Sales Manager
Seductions
Albuquerque, NM
10.2018 - 12.2018
- Developed pricing strategies that would maximize profits while still remaining competitive in the market.
- Participated in negotiations with vendors regarding product purchases or contracts.
- Created and presented monthly reports to management on sales performance.
- Maintained accurate records of all transactions between customers and company representatives.
- Implemented process changes to streamline sales department workflow.
- Established relationships with key clients, while maintaining existing customer base.
- Provided technical support for customers when needed, answering questions about product features and capabilities.
- Trained, coached, and mentored junior sales personnel to ensure success in their roles.
- Managed daily operations of sales department, including supervision of staff members.
- Executed strategic sales plans to expand customer base and revenue.
- Prepared reports on production output, costs, waste management practices. for senior management review.
- Managed scheduling and availability of interpreters efficiently.
Education
GED -
Central Oregon Community College
Bend, OR03-2010
Some College (No Degree) - Business Administration And Management
Central Oregon Community College
Bend, ORSkills
- Sales Quota Achievement
- Insurance knowledge
- Real estate
- Relationship Management
- Certificates of deposit
- Financial Services
- Loan Applications
- Cash Handling
- Customer Relationship Building
- Account Maintenance
- Credit analysis
- Account Performance Reviews
- Cost-benefit analysis
- Critical Thinking
- Professional telephone demeanor
- Customer consulting
- Product Education
Accomplishments
- Completed the Leadership Academy training program
- Advanced to senior level underwriter
- Graduated a training program with level III in Consumer Lending
Languages
English
Native/ Bilingual
Timeline
Financial Services Representative
Lending Solutions Inc
10.2023 - Current
Senior Underwriter
Lending Solutions Inc.
04.2021 - Current
Online Banking Specialist
USAA Federal Savings Bank
01.2019 - 03.2020
Store and Sales Manager
Seductions
10.2018 - 12.2018
GED -
Central Oregon Community College
Some College (No Degree) - Business Administration And Management
Central Oregon Community College
Similar Profiles
Larissa ChavezLarissa Chavez
Financial Service at Lending Solutions IncFinancial Service at Lending Solutions Inc
John VendlJohn Vendl
Financial Services Representative at Lending Solutions incFinancial Services Representative at Lending Solutions inc
LILIAN GATEERELILIAN GATEERE
Internet/Indirect Underwriter at Lending Solutions IncInternet/Indirect Underwriter at Lending Solutions Inc