Debra Rucker
Houston,TX
Summary
Dynamic financial professional with extensive experience at Wellby Financial, excelling in customer service and loan processing. Proven ability to enhance branch production through strategic sales techniques and relationship management. Skilled in financial advisement and transaction processing, consistently achieving high customer satisfaction and optimizing loan application workflows.
Overview
20
20
years of professional experience
1
1
Certification
Work History
Personal Banker
Wellby Financial
05.2023 - Current
- Worked closely with management to strategize sales techniques to increase branch production and customer service.
- Answered customer questions and explained available services such as deposit accounts, bonds, and securities.
- Cross-sold bank products and services to meet customer needs and provide options.
- Activated new accounts and issued customer identification numbers.
- Responded to customer inquiries regarding new accounts and account services.
- Explained account terms and conditions to customers.
- Interviewed customers to obtain information needed for opening new accounts or renting safe-deposit boxes.
- Provided customers with additional information regarding account services.
- Presented new and additional products and services to existing customers.
- Collected customer information and completed new account forms.
- Maintained customer records and updated account information.
- Keyed customer contact information and payment data into system carefully observing corporate confidentiality procedures.
Consumer Loan Processor
B1bank
09.2021 - 12.2023
- Processed loans within various departments to achieve timely, accurate, and fair proceedings.
- Reviewed loan files for completeness, identified missing documentation, and generated condition lists for applicants.
- Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
- Prepared documents for underwriting by verifying client income, credit reports, and other information.
- Provided quick turnaround times to maintain fast-past schedule.
- Set up and completed loan submission packages.
- Developed and maintained relationships with customers and loan officers to establish smooth loan process.
- Facilitated communication with loan applicants, underwriters and loan officers to optimize process and maintain updated information.
- Assisted loan officers with origination and closing processes to fastrack procedures and promote teamwork.
- Utilized loan origination software to process and track loan applications.
- Contacted customers via mail, telephone and email to relay acceptance or rejection of applications.
- Affirmed loan document accuracy to protect lenders from potential fraud.
- Verified credit histories, personal references and employment backgrounds for each applicant.
- Prepared loan documents and explained terms to clarify loan conditions and requirements with applicants.
- Stayed up to date on loan regulation changes, processing loan applications in compliance with current laws.
Loan Processor
Loan Processors/ Customer Service Representative
05.2005 - 07.2021
- Handled any conditions sent from underwriting departments.
- Coordinated closing process with attorneys, title companies, and government clerks.
- Advised loan officers to comply with loan guidelines and apply best practices.
- Analyzed credit reports to determine eligibility of applicants and capacity for loan products.
- Established plans and payoffs for customers' loans, prioritizing control of overall costs.
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
- Assisted customers with completing loan applications and other paperwork.
- Identified opportunities to cross-sell and upsell loan products to customers.
- Supervised loan personnel and motivated to maintain customer service and performance standards.
- Processed loan applications and monitored progress from start to finish.
- Monitored pipelines to track and log status of loans.
- Compiled closing packages for drafting and presentation accuracy.
- Reviewed loan files for completeness, identified missing documentation, and generated condition lists for applicants.
- Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
- Set up and completed loan submission packages.
- Utilized loan origination software to process and track loan applications.
Education
Business Administration
Mississippi Delta Community College
Moorhead, MSDiploma -
T L Weston High School
Greenville Mississippi 05.1987
Skills
- Financial advisement
- Banking
- Loans
- MS Excel
- Member support
- Upselling
- Customer satisfaction
- Verbal and written communication
- Relationship management
- Loan application expertise
- Financial services
- Transaction processing
- Positive attitude
- Branch management
- Customer service
- Cash vault audit
- Sales strategy
- Wealth management
- Banking policies and procedures
- Business development
- Loan processing
- Opportunity identification
Certification
IRA certified
Timeline
Personal Banker
Wellby Financial
05.2023 - Current
Consumer Loan Processor
B1bank
09.2021 - 12.2023
Loan Processor
Loan Processors/ Customer Service Representative
05.2005 - 07.2021
Business Administration
Mississippi Delta Community College
Diploma -
T L Weston High School
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