Donna Jacobs

Contacts delinquent accounts by phone, mail, text and email; builds rapport with members; educates members on options available to resolve delinquency long term; takes appropriate action to being current; Appropriate actions include but are not limited to analyzing the financial situation of delinquent borrowers, updating contact/employment information, offering various payment options, and coordinating with the Repo Specialist when necessary.

Performs loan recasts; researches accounts and provides overrides, verifies deposits made to delinquent accounts.

Informs management of trends in loan underwriting contributing to delinquent/charge off loans.

Performs other job-related duties as assigned.

• Check loan agreements to ensure that they are complete and accurate, according to policies.
• Refer loans to loan committees for approval.
• Approve loans within specified limits.
• Submit applications to credit analysts for verification and recommendation.
• Analyze applicants' financial status, credit, and property evaluations to determine feasibility of granting loans.
• Interview applicants and request specified information for loan applications.
• Establish payment priorities according to credit terms and interest rates to reduce clients' overall costs.
• Contact applicants or creditors to resolve questions about applications or to assist with completion of paperwork.
• Maintain current knowledge of credit regulations.
• Calculate amount of debt and funds available to plan methods of payoff and to estimate time for debt liquidation.
• Analyze potential loan markets to find opportunities to promote loans and financial services.
• Supervise loan personnel.

• Analyze applicants' financial status, credit, and property evaluations to determine feasibility of granting loans.
• Obtain and compile copies of loan applicants' credit histories, corporate financial statements, and other financial information.
• Meet with applicants to obtain information for loan applications and to answer questions about the process.
• Explain to customers the different types of loans and credit options that are available, as well as the terms of those services.
• Review loan agreements to ensure that they are complete and accurate according to policy.
• Approve loans within specified limits, and refer loan applications outside those limits to management for approval.
• Handle customer complaints and take appropriate action to resolve them.
• Stay abreast of new types of loans and other financial services and products to better meet customers' needs.
• Review and update credit and loan files.
• Submit applications to credit analysts for verification and recommendation.
• Compute payment schedules.
• Analyze potential loan markets and develop referral networks to locate prospects for loans.
• Set credit policies, credit lines, procedures and standards in conjunction with senior managers.
• Supervise loan personnel.
• Interview, hire, and train new employees.

• Cash checks and pay out money after verifying that signatures are correct, that written and numerical amounts agree, and that accounts have sufficient funds.
• Receive checks and cash for deposit, verify amounts, and check accuracy of deposit slips.
• Enter customers' transactions into computers to record transactions and issue computer-generated receipts.
• Balance currency, coin, and checks in cash drawers at ends of shifts, and calculate daily transactions using computers, calculators, or adding machines.
• Examine checks for endorsements and to verify other information such as dates, bank names, identification of the persons receiving payments and the legality of the documents.
• Count currency, coins, and checks received, by hand or using currency-counting machine, to prepare them for deposit or shipment to branch banks or the Federal Reserve Bank.
• Carry out special services for customers, such as ordering bank cards and checks.
• Identify transaction mistakes when debits and credits do not balance.
• Resolve problems or discrepancies concerning customers' accounts.
• Explain, promote, or sell products or services such as travelers' checks, savings bonds, money orders, and cashier's checks, using computerized information about customers to tailor recommendations.