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
Waldorf, MD
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
Waldorf, MD
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
Prince Frederick, MD
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
Waldorf, MD
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
Prince Frederick, MD
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
Waldorf, MD
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
Waldorf, MD
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
Charlotte Hall, MD
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
Charlotte Hall, MD
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
Leonardtown, MD
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