Crystal Nethercutt
Mulberry,FL
Summary
Accomplished expert in consumer lending, specializing in risk assessment and lending guidelines. Expertise in risk management has resulted in minimized financial losses across various roles. Strong problem-solving and communication skills drive successful decision-making processes.
Overview
20
20
years of professional experience
1
1
Certification
Work History
Home Equity Closer, Second Mortgage Department
MIDFLORIDA Credit Union
Lakeland, FL
09.2018 - 11.2025
- Reviewed financial statements for accuracy and adherence to standards.
- Conducted internal audits to evaluate compliance with financial regulations.
- Prepared detailed reports summarizing audit findings and recommendations.
- Implemented corrective actions based on audit results and feedback.
- Maintained up-to-date knowledge of industry regulations and standards.
- Ensured timely completion of all assigned tasks within set deadlines.
- Reviewed and evaluated internal control systems, financial records, and accounting systems to ensure accuracy of information.
Home Equity Processor, Second Mortgage Department
MIDFLORIDA Credit Union
Lakeland, FL
04.2018 - 09.2018
- Conducted research on title issues to resolve discrepancies promptly.
- Maintained detailed records of all transactions including purchase agreements, deeds, and mortgages.
- Conducted comprehensive audits to evaluate compliance with financial regulations.
- Assessed internal controls to identify risk areas and recommend improvements.
- Prepared detailed audit reports highlighting findings and recommendations for underwriters approval.
- Reviewed financial statements for accuracy and adherence to accounting principles.
Indirect Lending Clerk/Processor, Dealer Direct
MIDFLORIDA Credit Union
Lakeland, FL
10.2014 - 04.2018
- Reviewed loan applications for accuracy and compliance with lending guidelines.
- Coordinated with underwriters to expedite loan processing and approvals.
- Developed relationships with dealerships to enhance loan referral processes.
- Assisted in the development of indirect lending policies and procedures.
Executive Assistant to Office Manager
RYALS BROTHERS, INC
Lakeland, FL
06.2010 - 08.2014
- Drafted correspondence and formal documents to support business operations, enhancing efficiency.
- Managed service and install agreements to mitigate loss and ensure business continuity.
- Researched and obtained necessary certifications for HVAC operations in Florida, demonstrating attention to detail and compliance.
- Managed accounts payable and receivable processes efficiently.
- Reconciled bank statements to ensure accuracy in records.
- Communicated with vendors regarding billing inquiries and discrepancies.
- Developed marketing strategies to enhance brand visibility and engagement.
- Coordinated staff availability and resource allocation to meet project demands.
Loan Clerk
PUBLIX EMPLOYEES FEDERAL CREDIT UNION
Lakeland, FL
09.2006 - 10.2009
- Analyzed fluctuating rates and stock prices to provide optimal loan products to members, enhancing service delivery.
- Processed loan applications efficiently using company-specific software systems.
- Communicated effectively with clients to gather necessary loan information.
- Coordinated with underwriters to ensure timely loan approvals and decisions.
- Updated clients regularly regarding the status of their loan applications.
- Assisted customers with completing loan applications and other paperwork accurately.
Teller
PUBLIX EMPLOYEES FEDERAL CREDIT UNION
Lakeland, FL
11.2005 - 09.2006
- Processed customer deposits and withdrawals accurately and efficiently.
- Assisted customers with account inquiries and banking services.
- Promoted bank products and services to enhance customer relationships.
- Handled transactions using banking software and point-of-sale systems.
- Maintained cash drawer integrity through regular reconciliation.
- Resolved customer issues promptly to ensure satisfaction and loyalty.
Education
High School Diploma -
Mulberry High School
Mulberry, FLSkills
- Loan Origination and Processing
- Internal controls evaluation
- Risk assessment
- Effective communication
- Compliance and Risk Management
- Vendor Liaison and Management
- Financial Analysis and Reporting
- Knowledge of Mortgage Products and Regulations
- Effective Communication Skills
- Problem-Solving and Decision-Making
Websites
Certification
• NMLS License
• Additional relevant certifications (e.g., mortgage processing, compliance training)
• Additional relevant certifications (e.g., mortgage processing, compliance training)
References
Available upon request.
Timeline
Home Equity Closer, Second Mortgage Department
MIDFLORIDA Credit Union
09.2018 - 11.2025
Home Equity Processor, Second Mortgage Department
MIDFLORIDA Credit Union
04.2018 - 09.2018
Indirect Lending Clerk/Processor, Dealer Direct
MIDFLORIDA Credit Union
10.2014 - 04.2018
Executive Assistant to Office Manager
RYALS BROTHERS, INC
06.2010 - 08.2014
Loan Clerk
PUBLIX EMPLOYEES FEDERAL CREDIT UNION
09.2006 - 10.2009
Teller
PUBLIX EMPLOYEES FEDERAL CREDIT UNION
11.2005 - 09.2006
High School Diploma -
Mulberry High School