Summary
Overview
Work History
Education
Skills
Timeline
BusinessAnalyst
Danielle Moody

Danielle Moody

Consumer Underwriter
Mechanicsville,MD

Summary

Accomplished Consumer Underwriter and banking professional with a proven track record at Community Bank Of The Chesapeake, adept in loan structuring and fostering strong client relationships. Demonstrated ability to enhance customer satisfaction and streamline processes, leveraging exceptional problem-solving abilities and interpersonal skills. Achieved significant improvements in operational efficiency and compliance adherence.

Overview

22
22
years of professional experience

Work History

Consumer Underwriter

Shore United Bank
07.2023 - Current

• Evaluated creditworthiness and facilitated loan approvals.

• Coordinated with Lender regarding decision-making.

• Adaptable in managing high-volume tasks.

• Maintained compliance with federal regulations and company policies throughout the consumer underwriting process, reducing potential legal issues.

Consumer Underwriter/Residential Coordinator

Community Bank Of The Chesapeake
07.2021 - Current
  • Merger in July 2023 with Shore United Bank
  • Evaluated creditworthiness and facilitated loan approvals.
  • Coordinated with Lender regarding decision-making.
  • Adaptable in managing high-volume tasks.
  • Maintained compliance with federal regulations and company policies throughout the consumer underwriting process, reducing potential legal issues.

Assistant Manager/Lead Customer Service Specialist

Community Bank Of The Chesapeake
12.2020 - 07.2021
  • Supervised day-to-day operations to meet performance, quality and service expectations.
  • Maintained a clean, safe, and organized store environment to enhance the customer experience.
  • Developed strong working relationships with staff, fostering a positive work environment.
  • Monitored cash intake and deposit records, increasing accuracy, and reducing discrepancies.

AVP, Digital Banking Administrator

Community Bank Of The Chesapeake
11.2014 - 02.2020
  • Managed Digital Banking team (Retail and Commercial) to include Retail Online Banking access via web and mobile application to Commercial access with integrated products.
  • Managed projects efficiently, ensuring timely delivery and high-quality results.
  • Streamlined communication channels between departments, facilitating better collaboration on projects across the organization.
  • Developed and maintained strong relationships with clients, resulting in increased business opportunities.
  • Ensured industry regulations compliance through risk mitigation measures.

Assistant Branch Manager

Community Bank Of The Chesapeake
09.2013 - 11.2014
  • Supported the Branch Manager with daily tasks, ensuring smooth branch functioning and effective communication amongst team members.
  • Trained and developed new team members in alignment with branch service standards and objectives.
  • Monitored daily branch activities, quickly identifying areas requiring improvement or corrective action to maintain operational excellence.
  • Oversaw successful completion of internal audits with minimal findings, demonstrating strong adherence to bank policies and regulations.

Customer Service Representative

Community Bank Of The Chesapeake
06.2011 - 09.2013
  • Managed high-stress situations effectively, maintaining professionalism under pressure while resolving disputes or conflicts.
  • Resolved customer complaints with empathy, resulting in increased loyalty and repeat business.
  • Handled escalated calls efficiently, finding satisfactory resolutions for both customers and the company alike.
  • Responded to customer requests for products, services, and company information.
  • Enhanced customer satisfaction by promptly addressing concerns and providing accurate information.
  • Developed strong product knowledge to provide informed recommendations based on individual customer needs.
  • Developed rapport with customers through active listening skills, leading to higher retention rates and positive feedback from clients.
  • Maintained detailed records of customer interactions, ensuring proper follow-up and resolution of issues.
  • Assisted customers in navigating company website and placing online orders, improving overall user experience.
  • Collaborated with team members to develop best practices for consistent customer service delivery.
  • Contributed to sales growth by upselling products and services based on individual customer requirements.
  • Provided coaching and mentoring to new hires, contributing to their successful integration into the team.

Bank Teller

Community Bank Of The Chesapeake
04.2011 - 06.2011
  • 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.

Customer Service Representative

PNC Bank
10.2009 - 04.2010
  • Managed high-stress situations effectively, maintaining professionalism under pressure while resolving disputes or conflicts.
  • Resolved customer complaints with empathy, resulting in increased loyalty and repeat business.
  • Handled escalated calls efficiently, finding satisfactory resolutions for both customers and the company alike.
  • Responded to customer requests for products, services, and company information.

Consumer Service Representative

First National Bank of St. Mary’s
05.2004 - 10.2009
  • Merger with PNC Bank
  • Enhanced customer satisfaction by promptly addressing and resolving inquiries and concerns.
  • Contacted and helped find solutions for customers with overdue payments.
  • Built lasting relationships with clients, customers and other team members based on trust and reliability.
  • Presented information to prospective customers, initiated new service and flawlessly set up customer accounts.

Teller

First National Bank of St. Mary’s
02.2003 - 05.2004
  • Balanced cash drawer daily and resolved discrepancies to provide accurate data regarding cash flow.
  • Disbursed cash and checks accurately while maintaining security of cash drawers.
  • Balanced cash drawers daily, identifying discrepancies and taking corrective actions as needed.
  • Processed customer transactions promptly, minimizing wait times.

Education

Associate Of Arts And Sciences - General Studies

College of Southern Maryland
La Plata, MD
08.2023

Skills

  • Consumer lending
  • Documentation review
  • Employment verification
  • Debt-to-income analysis
  • Problem-solving abilities
  • Time management
  • Attention to detail
  • Multitasking
  • Organizational skills
  • Excellent communication
  • Active listening
  • Effective communication
  • Adaptability and flexibility
  • Relationship building
  • Team building
  • Self motivation
  • Interpersonal skills
  • Professionalism

Timeline

Consumer Underwriter

Shore United Bank
07.2023 - Current

Consumer Underwriter/Residential Coordinator

Community Bank Of The Chesapeake
07.2021 - Current

Assistant Manager/Lead Customer Service Specialist

Community Bank Of The Chesapeake
12.2020 - 07.2021

AVP, Digital Banking Administrator

Community Bank Of The Chesapeake
11.2014 - 02.2020

Assistant Branch Manager

Community Bank Of The Chesapeake
09.2013 - 11.2014

Customer Service Representative

Community Bank Of The Chesapeake
06.2011 - 09.2013

Bank Teller

Community Bank Of The Chesapeake
04.2011 - 06.2011

Customer Service Representative

PNC Bank
10.2009 - 04.2010

Consumer Service Representative

First National Bank of St. Mary’s
05.2004 - 10.2009

Teller

First National Bank of St. Mary’s
02.2003 - 05.2004

Associate Of Arts And Sciences - General Studies

College of Southern Maryland
Danielle MoodyConsumer Underwriter