Summary
Overview
Work History
Education
Skills
Affiliations
Timeline
Generic

Erica C. Barnhill

Raleigh,NC

Summary

Passionate about promoting lasting customer satisfaction by delivering quality service and unparalleled support. Proficient in customer service best practices and related options. Knowledgeable and dedicated customer service professional with extensive experience in the public service industry. Solid team player with outgoing, positive demeanor and proven skills in establishing rapport with clients. Motivated to maintain customer satisfaction and contribute to company success. Specialize in quality, speed and process optimization. Articulate, energetic and results-oriented with exemplary passion for developing relationships, cultivating partnerships and growing businesses.

Overview

16
16
years of professional experience

Work History

Consumer Lending Solution Officer

Truist
02.2016 - Current
  • Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
  • Documented underwriting decisions and provided evidence of compliance with applicable regulations.
  • Provided excellent customer service by addressing inquiries promptly and offering comprehensive explanations of underwriting decisions.
  • Made approval and denial recommendations by determining accurate risk levels.
  • Developed strong relationships with brokers, leading to a higher volume of quality submissions and successful underwritings.
  • Examined credit reports, financial statements and tax returns to determine repayment capability.
  • Reduced company losses by identifying potential risks and recommending appropriate mitigating measures.
  • Improved risk assessment accuracy by conducting thorough reviews of loan applications and financial documents.
  • Identified and resolved application discrepancies for accuracy and compliance with relevant regulations.
  • Built strong relationships with lenders, brokers and clients for constructive communications.
  • Increased customer satisfaction through timely communication and efficient handling of loan applications.
  • Assessed and advised on loan applications utilizing in-depth underwriting process understanding.

Retail Foreclosure Manager

Truist
11.2007 - 02.2016
  • Documented accounts with actions taken, correspondence and explanation of controllable versus non-controllable foreclosure delays.
  • Collaborated with legal counsel to ensure proper handling of complex or contested foreclosures, protecting both company interests and borrower rights.
  • Improved departmental organization by implementing efficient filing systems that maintained accurate records for all active foreclosure cases.
  • Developed strong working relationships with attorney network and foreclosure departments.
  • Resolved escalated borrower inquiries by working closely with customer service teams to address concerns regarding the foreclosure process or proposed loss mitigation options.
  • Established strong relationships with external vendors, such as attorneys, real estate agents, and property preservation companies, ensuring timely completion of required services.
  • Provided strategic guidance on individual case resolutions while considering factors such as financial hardship assessments or borrower intent to reestablish payment obligations.
  • Reviewed foreclosure reports for out-of-standard or approaching timelines and addressed inconsistencies.
  • Coordinated with internal teams such as collections, loan servicing, underwriting, and investor relations to effectively manage delinquent loans throughout the entire default cycle.
  • Negotiated successful loss mitigation resolutions with borrowers, leading to fewer foreclosures and minimized losses for the company.
  • Assisted in the development of company policies related to loss mitigation efforts in response to changing industry standards or regulatory requirements.
  • Ensured compliance with federal, state, and local regulations by conducting thorough audits of all foreclosure cases and processes.
  • Performed banking, business administration and financial tasks to guarantee five-star service for clients.

Education

Bachelor of Science - Banking

Fayetteville State University
Fayetteville
12.2003

Skills

  • Work Coordination
  • Report Writing
  • Strategic Planning
  • Innovation and Creativity
  • Report Preparation
  • Budgeting and finance
  • Information Verification
  • Process Improvement
  • Process Analysis
  • Disaster Recovery Planning

Affiliations

  • Alpha Kappa Alpha Sorority, Incorporated
  • Top Ladies of Distinction
  • Las Amigas Incorporated
  • Order of Eastern Star

Timeline

Consumer Lending Solution Officer

Truist
02.2016 - Current

Retail Foreclosure Manager

Truist
11.2007 - 02.2016

Bachelor of Science - Banking

Fayetteville State University

Similar Profiles

CREATE PROFILE
Erica C. Barnhill