Nicholas Elliott
Pensacola,FL
Summary
Results-driven Senior Consumer Loan Officer with 6 years of demonstrated experience in the Consumer Loan banking industry. Motivated in providing mentorship and being readily available to entry level Loan Officers, and all internal department employee requests. Highly organized, and trained in handling high priority issues within a fast-paced and time-sensitive environment with a history of consistently exceeding company needs.
Overview
6
6
years of professional experience
Work History
Senior Consumer Loan Officer II
Navy Federal Credit Union
Pensacola, FL
11.2023 - Current
- Identified areas for enhancement in the lending process and made recommendations to management.
- As a mentor/trainer, guided and assisted both Junior Loan Officers and Senior Loan Officers I.
- Performed secondary reviews and granted exceptions to requests by Junior Loan Officers and Senior Loan Officers I.
- Ensure high level of corroboration between different sections through collaborative efforts with other business units, offering training and job shadows.
Senior Consumer Loan Officer I
Navy Federal Credit Union
Pensacola, FL
01.2023 - 11.2023
- Maintained positive working relationship with fellow staff and management.
- Analyzed applicants' financial status and credit to determine feasibility of granting loan.
- Processed challenging loan applications for first-time borrowers, self-employed applicants and borrowers with problematic credit histories outside of Junior Loan Officer authority.
Junior Loan Officer
Navy Federal Credit Union
Pensacola, Florida
06.2022 - 01.2023
- Approved loan within specified limits or referred to appropriate approval level.
- Adhered to federal and state compliance guidelines relative to Consumer Loan lending.
- Developed and maintained knowledge of available loan products, processing procedures and underwriting and general departmental guidelines.
Consumer Loan Processor II
Navy Federal Credit Union
Pensacola, FL
02.2022 - 06.2022
- Performed job duties and tasks of Consumer Loan Processor I.
- Inspected loan package documentation to spot suspicious or fraudulent documentation.
- Trained Processor I new hires on variety of job requirements.
Consumer Loan Processor I
Navy Federal Credit Union
Pensacola, FL
07.2021 - 02.2022
- Supported loan officer and underwriter teams by ensuring timely, judicious and accurate loan processing
- Evaluated financial statements and contacted institutions and members to clarify details
- Reviewed and verified borrowers' income, credit reports, and supplemental information to prepare documents for review
- Communicated with members via telephone and message system to answer questions, process transactions and resolve issues.
Consumer Loan Account Specialist
Navy Federal Credit Union
Pensacola, FL
09.2020 - 08.2021
- Presented information to Branch and Contact Center New Hires on department policies and procedures
- Identified opportunities for improved products, services and processes to enable highest levels of member service, loan production, quality and competitiveness.
- Mentored and coached new employees by offering insight on variety of job tasks and duties
Collection Support Assistant
Navy Federal Credit Union
Pensacola, FL
10.2018 - 09.2020
- Research and verify documents for repo eligibility on delinquent loan accounts
- Prepared and presented information to Collection leadership and Office of General Counsel
- Mentored and coached new employees by offering insight on variety of job tasks and duties
- Identified and corrected data entry errors to prevent duplication across systems
Service Cashier/Switchboard Operator
Pete Moore Imports
Pensacola, FL
05.2018 - 10.2018
- Prepared vehicle loan applications for finance department
- Balanced and prepared daily reports and deposits
- Trained new team members in cash register operation, stock procedures and customer service
Education
MBA - Emphasis in Business Analytics
The University of West Florida
Pensacola, FL12.2024
Bachelor of Science - Business Organizational Administration
Pensacola State College
05.2020
Associate of Science - Business Administration
Pensacola State College
01.2018
Skills
- Process Improvement
- Problem-Solving
- Excellent Time Management
- Relationship Building
- Conflict Resolution
- Attention to Detail
References
References Available Upon Request
Timeline
Senior Consumer Loan Officer II
Navy Federal Credit Union
11.2023 - Current
Senior Consumer Loan Officer I
Navy Federal Credit Union
01.2023 - 11.2023
Junior Loan Officer
Navy Federal Credit Union
06.2022 - 01.2023
Consumer Loan Processor II
Navy Federal Credit Union
02.2022 - 06.2022
Consumer Loan Processor I
Navy Federal Credit Union
07.2021 - 02.2022
Consumer Loan Account Specialist
Navy Federal Credit Union
09.2020 - 08.2021
Collection Support Assistant
Navy Federal Credit Union
10.2018 - 09.2020
Service Cashier/Switchboard Operator
Pete Moore Imports
05.2018 - 10.2018
MBA - Emphasis in Business Analytics
The University of West Florida
Bachelor of Science - Business Organizational Administration
Pensacola State College
Associate of Science - Business Administration
Pensacola State College
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