Deborah Phelps
Portage,IN
Summary
Proven leader with a track record of enhancing team performance at Regional Federal Credit Union through exceptional organizational skills and analytical prowess. Mastered project planning and data management, achieving goals with precision. Skilled in collaboration and communication, adept at fostering growth and efficiency. Demonstrates critical thinking and social perceptiveness, ensuring customer satisfaction and operational excellence.
Overview
36
36
years of professional experience
Work History
MSR Portage
Regional Federal Credit Union
Portage, IN
09.2024 - Current
- Received mortgage and other loan payments, verifying payment dates and amounts due.
- Delivered exceptional service to customers in person or over telephone.
- Explained account information to customers in detail as needed.
- Performed transactional, operational, and customer support tasks through knowledge of bank procedures and products.
- Cross-sold additional bank products when applicable to meet customer needs.
- Verified amounts and integrity of every check or funds transfer.
- Counted currency, coins and checks received to prepare for deposit or shipment to branch banks or Federal Reserve Bank.
- Performed daily reconciliation of teller drawer within established limits.
- Met or exceeded sales goals by promoting bank products and services in customer interactions.
- Fulfilled diverse duties to provide customer service, operate money counters, balance.
- Identified opportunities to refer customers to other areas of the bank for additional services.
School Bus Driver
Duneland School Corporation
Chesterton, IN
10.2004 - 08.2022
- Assisted with loading and unloading of passengers as needed.
- Reported accidents, hazards or transportation delays using mobile two-way radios.
- Tallied student count, mileage and fuel usage reports, forwarding to immediate supervisor for documentation purposes.
- Maintained bus cleanliness, inspected for mechanical problems, and reported any issues to supervisor.
- Transported students and teachers on school activity trips while exercising responsible leadership.
- Assisted in maintaining accurate records of attendance, mileage, and other data related to routes.
- Kept up-to-date on changes in local roads, traffic patterns, and construction projects that may affect routes or schedules.
- Responded quickly in emergency situations by taking appropriate actions.
- Provided helpful directions and assistance to students during their ride.
- Reported inappropriate and disruptive student behaviors to school administration.
- Attended staff meetings and training sessions regularly for professional development purposes.
- Followed all safety protocols when transporting students with special needs or disabilities.
- Monitored traffic during bus stops to provide safe boarding by students.
- Reported delays, accidents or other traffic and transportation situations to supervisor.
- Followed schedules and routes to maintain timely arrivals and departures.
- Prepared reports that stated total number of students, hours worked or mileage.
- Provided safe and reliable school bus transportation service on fixed routes.
- Inspected vehicle tires, brakes, windshield wipers, lights and fluids to verify safe operation.
- Safely and patiently escorted small children across roads.
- Learned and followed school transportation procedures.
- Ensured safety of students by following all traffic laws and regulations.
- Maintained order among passengers and explained safety rules and hazards.
- Reported accidents and completed required reports.
- Read maps and followed written or verbal driving directions.
- Assisted passengers in evacuation of bus in case of emergency.
- Obeyed DOT rules and regulations and local laws to maximize safety.
- Promoted good public relations by responding courteously to inquiries from parents or members of the community.
- Regulated heating, lighting and ventilation systems for passenger comfort.
- Communicated effectively with parents regarding student transportation issues.
- Cleaned and sanitized bus interiors to lessen germ spread.
- Maintained order and discipline on bus to prevent accidents or injuries.
- Used navigation equipment and two-way radio while remaining focused on safety.
- Transported students to school in a timely manner while keeping assigned route schedule.
- Adhered to strict time requirements for bus route scheduling and reported delays to dispatch.
- Developed positive relationships with students through friendly interactions.
- Reported bus malfunctions or repairs needed.
- Operated motorized ramps and lifts to assist special needs students.
- Managed time efficiently so that routes are completed within allotted timespan.
- Contributed innovative ideas and solutions to enhance team performance and outcomes. Was a driver mentor for 2 years.
Secretarty to Mortgage Loan VP
South Holland Bank & Trust
South Holland, IL
01.1990 - 07.1994
- Ordered, prepared and verified documents necessary for loan to close in compliance, on time and without last-minute surprises.
- Maintained customer files in an organized manner to ensure accurate tracking of loans.
- Contacted credit bureaus, employers and other sources to check applicants' credit and personal references.
- Conducted follow-up with clients to ensure satisfaction post-closing.
- Attended training sessions as needed in order to stay abreast of industry regulations and standards.
- Monitored loan applications for completeness and accuracy prior to submission to underwriting department.
- Conducted preliminary loan interviews and gathered borrower information.
- Assisted in preparing loan application packages for submission to underwriting.
- Analyzed financial information provided by applicants in order to determine eligibility for specific types of loans.
- Reviewed and corrected errors on interest, principal and closing costs.
- Assisted loan officers with the preparation of loan documents and closing packages.
- Interviewed loan applicants to obtain personal and financial data and assist in completing applications.
- Established credit limits and grant extensions of credit on overdue accounts.
- Recorded applications for loan and credit, loan information and disbursements of funds.
- Facilitated the collection of additional documentation required for loan approval.
- Performed administrative tasks such as creating status reports on loans in progress, photocopying loan documents, printing daily mortgage rate sheets and answering phones.
- Processed requests for payoff statements from borrowers or third parties.
- Reviewed contracts for purchase transactions to ensure compliance with lender requirements.
- Maintained up-to-date knowledge and compliance with internal policies and procedures and verified adherence to state and federal laws, rules and regulations affecting loan institutions.
- Assisted with the preparation and closing of loan documents.
- Checked applicant credit, personal references and employment histories.
- Provided administrative support to loan officers, including scheduling and document management.
- Updated loan officers on changes in lending regulations and compliance requirements.
- Ensured accurate data entry of loan application information into system.
- Reviewed customer accounts to determine on-time payments and loan terms compliance.
- Coordinated communication between loan officers, clients, and underwriting staff.
- Coordinated appraisal orders and obtained necessary title work for loan processing.
- Monitored purchase loans for due diligence, financed contingency and closing date expiration and tracked pipeline for refinances.
- Assisted in the development of marketing materials such as brochures and flyers for potential clients.
- Examined and verified information in loan application and closing documents.
- Answered questions regarding loan status and process from customers, real estate agents, title companies.
- Monitored loan progress from application to closing, keeping all parties informed.
- Assisted in analyzing applicants' financial status, credit, and property evaluations.
- Presented loan and repayment schedules to customers.
- Answered questions and advised customers regarding loans and transactions.
Receptionist
Frederick M. Gottlieb
Chicago, IL
01.1989 - 01.1990
- Monitored reception area to provide consistently safe, hazard-free environment for customers.
- Developed and maintained a filing system for essential documents, improving office organization.
- Performed data entry tasks into various computer systems accurately and promptly.
- Updated and recorded customer or client information to maintain accounts.
- Supplied callers with office address and directions, employee email addresses and phone extensions.
- Maintained a neat reception area by organizing materials and tidying up furniture.
- Composed and prepared routine correspondence, letters and reports with job-related software.
- Performed clerical duties such as filing, photocopying, transcribing, and faxing.
- Monitored office supplies inventory and placed orders when necessary.
- Greeted and directed visitors to appropriate personnel and answered large number of calls and emails daily.
- Greeted visitors and provided them with assistance.
- Answered multi-line telephone with polite tone of voice to provide general information and answer inquiries.
- Maintained daily calendars, set appointments with clients and planned daily office events.
- Managed all incoming mail distribution, courier services, faxes, and photocopying documents as requested.
- Provided administrative support to various departments, assisting with document preparation and data entry.
- Maintained an organized filing system of confidential client information in accordance with company policy.
Education
High School Diploma -
Thornridge
Dolton, ILSkills
- Organizational skills
- Project planning
- Decision-making
- Data management
- Analytical
- Collaboration
- Good Telephone Etiquette
- Organization
- Leadership
- Active listening
- Critical thinking
- Social perceptiveness
- Excellent communication
- Remote office availability
References
References available upon request.
Timeline
MSR Portage
Regional Federal Credit Union
09.2024 - Current
School Bus Driver
Duneland School Corporation
10.2004 - 08.2022
Secretarty to Mortgage Loan VP
South Holland Bank & Trust
01.1990 - 07.1994
Receptionist
Frederick M. Gottlieb
01.1989 - 01.1990
High School Diploma -
Thornridge