Enjoli Mcherron
Grand Rapids,MI
Summary
Experience Business Banking Specialist with over 7 years of experience at Fifth Third Bank. Were I learned and trained others in several aspects of the banking industry. Seeking a chance to learn an abundance more while maximizing the skills I have.
Overview
11
11
years of professional experience
Work History
Business Banking Specialist
Fifth Third Bank
Grand Rapids, MI
02.2019 - Current
- Monitors maturing-loan reports to determine upcoming maturities.
- Receives requested renewal information from internal customer and reviews for completeness.
- Submits completed renewal package to loan processor for input into underwriting system.
- Completes aggregation and back loading of collateral in the commercial credit authorization system (CCAS).
- Monitors stale and unrated credits, working in CCAS to update or clear ratings and move to H-Pool, if applicable.
- Initiates Reg Rating Updates, PD analysis, and various CCAS tracking information (if applicable).
- Supports the Relationship Manager in monitoring on an on-going basis information concerning customer performance, abilities, and industry to determine that loan is an acceptable risk.
- Processed applications for new business accounts, ensuring all documentation was complete.
- Analyzed customer credit profiles to determine eligibility for loans or other financial products.
- Ensured compliance with all applicable federal regulations governing business banking activities.
Loss Mitigation Specialist
Fifth Third Bank
Grand Rapids, MI
11.2017 - 02.2019
- Process closing checks, documents, lien releases, and checklists.
- Provide feedback to management for ideas on process improvement and suggestions for the specialty collections unit.
- Monitor all accounts associated with soldiers and sailors to ensure we are in compliance with all required guidelines.
- Assist in identifying, negotiating and pursuing the appropriate loss mitigation option that best maximizes customer satisfaction and investor return
- Ensure that all requested documentation has been requested and received from the customer.
- Coordinate activities with Loss Mitigation Specialist to ensure timely and accurate responses, decisions, and resolutions during the loss mitigation process.
- Verified income of borrower and gathered credit information.
- Contacted borrowers to assess reasons for default, individual intents and options for resolving issues.
Customer Solutions Advocate
Fifth Third Bank
Grand Rapids, MI
11.2016 - 11.2017
- Pursue communication with defaulted customers utilizing manual or automated dialing to obtain payment commitments designed to find a mutually beneficial resolution for delinquency
- Monitor delinquent accounts to identify, at the earliest opportunity, situations where alternatives to repossessions, bankruptcies, foreclosure, etc. exist
- Display effective time management skills to enhance productivity while using multiple system platforms to identify, evaluate, and resolve reasons for delinquency
- Skip trace accounts by accessing statements, applications, and third-party vendor services for the purpose of improving customer contact and overall account resolution
- Employ conflict management skill set, in order to handle escalated situations, while staying in compliance with the Fifth Third Quality Assurance Procedure and providing outstanding customer service
Assistant Store Manager
Advance America
Grand Rapids, MI
05.2013 - 10.2016
- Maintained positive customer relationships by responding quickly to customer service inquiries.
- Managed opening and closing procedures and recommended changes to enhance efficiency of daily activities.
- Responded to customer concerns, working with manager to significantly raise customer satisfaction ratings.
- Supervised and evaluated staff, enabling them to improve skills, achieve daily objectives and attain advancement.
- Supervised cashiers in processing credit, debit and cash payments to streamline sales.
Education
Associate of Arts -
Davenport Univeristy
Grand Rapids, MI05.2007
Skills
- Credit experience
- Proficient with Microsoft Office programs such as Word, Excel and Outlook
- Portfolio Management
- Banking standards
- Risk Mitigation
- Payment Collection
Timeline
Business Banking Specialist
Fifth Third Bank
02.2019 - Current
Loss Mitigation Specialist
Fifth Third Bank
11.2017 - 02.2019
Customer Solutions Advocate
Fifth Third Bank
11.2016 - 11.2017
Assistant Store Manager
Advance America
05.2013 - 10.2016
Associate of Arts -
Davenport Univeristy
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