Cindy J Peterson
Billings,MT
Summary
Qualified and resourceful professional specializing in lending and administrative support. Excels at finance, lending, sales and customer service. Strong work ethic, dependable and highly motivated to succeed
Professional with strong background in consumer lending, equipped to drive financial success and customer satisfaction. Adept at analyzing credit risk, structuring loan packages, and navigating regulatory requirements. Known for fostering collaborative team environments and adapting to evolving market demands. Skilled in financial analysis, customer relationship management, and strategic decision-making.
Overview
18
18
years of professional experience
Work History
Consumer Loan Officer
Altana Federal Credit Union
01.2023 - Current
- Originate, underwrite, process or decline consumer loans. Identify member needs and provide recommendations. Onboard new indirect members. Open and service various credit union deposit accounts. Serve as back up to branch manager.
Full Service Officer/ Assistant Manager
Westmark Credit Union
01.2017 - Current
- Originate, underwrite and fund consumer vehicle, credit card, home equity loans and commercial loans. Open and service new accounts, term certificates, IRAs and other share products. Perform teller and other branch functions including ATM, card processing, cash handling etc. Responsible for employment recruitment, interviews and disciplinary action. Managed and scheduled operations employees. Consistently exceeded monthly and yearly sales objectives, including annual High Achiever goals.
Mortgage Secondary Investment Officer
Idaho Central Credit Union
01.2021 - 01.2023
- Facilitate the sale and transfer of mortgage loans to investors and government agencies. Ensures all conditions and post purchase requirements are resolved. Completes purchase advice and obtains FHA and VA certifications. Responsible for MERS transfers and preparing monthly audits. Assists in setting and locking mortgage loan rates.
Office Automation Clerk / Collections Officer
USDA Forest Service, Caribou-Targhee National Forest
01.2017 - 01.2017
- Responsible for electronic file systems and maintains electronic and paper government files. Creates and maintains spreadsheets using advanced Excel functions and calculations to develop reports. Authorized Collection Officer responsible for billing, cash handling and maintaining records.
Licensed Mortgage Loan Originator/Processor
Envoy Mortgage
01.2015 - 01.2017
- Originated and processed mortgage loans from application through closing. Achieved proper compliance and accurate reporting. Exceeded sales goals and ensured loans closed on time. Engaged in extensive community involvement and marketing activities.
Loan Officer / Housing Counselor
NeighborWorks Pocatello
01.2013 - 01.2015
- Originate process, underwrite and close home improvement and purchase loans to low income borrowers. Prevented foreclosure for at-risk borrowers with loan modifications. Facilitated and instructed individual and group financial classes and counseling.
Marketing Strategist
Rich Broadcasting / Pacific Empire
01.2010 - 01.2013
- Developed successful radio advertising campaigns for local and national businesses. Managed production process including copywriting and voice tracking. Consistently exceeded sales goals.
Branch Specialist
D.L. Evans Bank
01.2008 - 01.2010
- Originated, processed and closed commercial and consumer loans. Analyzed tax returns and other financial information to make sound loan decisions. Collaborated with other managers to achieve success in operations. Performed teller and other operation functions. Managed tellers and branch personnel.
Education
Counselor Max Training
NeighborWorks America
Los Angeles, CA01-2014
Instructing Homebuyer Education
NeighborWorks America
Los Angeles, CA01-2014
Basics of Mortgage Lending
NeighborWorks America
Louisville, KY01-2014
Lending Laws and Compliance
NeighborWorks America
Louisville, KY01-2014
Foreclosure Intervention
NeighborWorks America
Philadelphia, PA01-2013
Online Certificate - Financial Accounting
American Bankers Association
01-2010
High School Diploma - undefined
Highland High School
Pocatello, ID01-1999
Skills
- Mortgage Loan Originator - NMLS #1092312
- Customer service
- Accounting & bookkeeping
- Finance and lending
- Notary Public
- Credit counseling
- NCHEC Certification in Foreclosure Intervention & Default Counseling
- Strong interpersonal skills
- Risk evaluation
- Credit analysis
- Effective communication
- Adaptability and flexibility
- Verbal and written communication
- Relationship building
- Training and onboarding
- Job applicant interviews
- Recruitment
- Candidate selection
- Candidate screening
Activities and Honors
City of Pocatello Historic Preservation Commission 2022-2023, Leadership Pocatello - Class of 2009 - 2011, Portneuf Rotary Club, Notary Public, CPR Certified, Certificate of Merit - USDA Forest Service 2017, Certificate of Appreciation - USDA Forest Service 2017, Westmark Credit Union High Achiever 2019, 2020 & 2021
Timeline
Consumer Loan Officer
Altana Federal Credit Union
01.2023 - Current
Mortgage Secondary Investment Officer
Idaho Central Credit Union
01.2021 - 01.2023
Full Service Officer/ Assistant Manager
Westmark Credit Union
01.2017 - Current
Office Automation Clerk / Collections Officer
USDA Forest Service, Caribou-Targhee National Forest
01.2017 - 01.2017
Licensed Mortgage Loan Originator/Processor
Envoy Mortgage
01.2015 - 01.2017
Loan Officer / Housing Counselor
NeighborWorks Pocatello
01.2013 - 01.2015
Marketing Strategist
Rich Broadcasting / Pacific Empire
01.2010 - 01.2013
Branch Specialist
D.L. Evans Bank
01.2008 - 01.2010
Instructing Homebuyer Education
NeighborWorks America
Basics of Mortgage Lending
NeighborWorks America
Lending Laws and Compliance
NeighborWorks America
Foreclosure Intervention
NeighborWorks America
Online Certificate - Financial Accounting
American Bankers Association
High School Diploma - undefined
Highland High School
Counselor Max Training
NeighborWorks America