Summary
Overview
Work History
Education
Skills
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Accomplishments
Timeline
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Frances Kearney

CHESTER,Virginia

Summary

Experienced professional with over eight years of expertise in the eligibility process. Skilled in relationship building, strategic planning, and project management. Proven track record of quickly learning and adapting in complex situations. Eager to utilize diverse talents in a familiar professional setting while dedicated to lifelong learning and personal development.

Overview

24
24
years of professional experience

Work History

Collections Manager

Pollard & Bagby LLC
05.2023 - Current
  • Collect and verifies confidential information to input rent payments and deductions
  • Request supporting documents from external agencies
  • Maintain an accurate filing and record keeping system
  • Streamlined collections operations for improved efficiency and reduced delinquency rates

Remote Commercial Loan Processor

TD Bank
07.2020 - 05.2023
  • Analyzed loan files and reviewed client income, assets and credit to verify compliance to specific underwriting criteria and input new loans into designated software
  • Organized loan files, updated databases, prepared general correspondence and communicated with stakeholders
  • Worked with credit analysts and loan origination team to prepare settlement documentation packages
  • Completed closing process by collaborating with attorneys, title companies and government clerks.

Remote Loan Specialist

Small Business Administration
03.2020 - 09.2022
  • Reduced loan approval times with thorough reviews of credit histories and financial statements, expediting the underwriting process.
  • Delivered outstanding customer service while addressing borrower inquiries regarding payments, account statuses, or other loan-related matters.
  • Identified potential risks within loan portfolios by conducting thorough analyses of borrower financial situations and market trends.
  • Coordinated with various departments such as underwriting, escrow, and title companies to facilitate smooth loan closings.

Hybrid Human Resources Generalist

State Farm
11.2017 - 03.2020
  • Maintained up-to-date records of employee information in HRIS system ensuring accurate reporting and data-driven decision making.
  • Facilitated criminal background check process for new hires.
  • Handled new-hire orientation and basic recruiting tasks for best-in-class talent identification.
  • Met with staff to resolve difficult situations related to performance and conflict management.

Account Settlement Manager

Cortland Partners
06.2011 - 11.2017
  • Enhanced customer satisfaction by resolving disputes promptly, maintaining open lines of communication, and ensuring high-quality service delivery.
  • Cross-trained existing employees to maximize team agility and performance.
  • Resolved staff member conflicts, actively listening to concerns and finding appropriate middle ground.
  • Developed a strong company culture focused on employee engagement, collaboration, and continuous learning opportunities.

Assistant Community Manager

Cortland Partners
12.2005 - 06.2011
  • Received and reviewed applications determining if applicant is eligible for housing
  • Generated information received, appointments, verifications and denial letters that were mailed and emailed
  • Input and maintained data from interviews and supporting forms in the applicants file
  • Maintained proficient acknowledge of federal and state laws, and regulations governing subsidized housing.



Customer Service Representative

Blue Cross Blue Shield
02.2001 - 12.2005
  • Managed high-stress situations effectively, maintaining professionalism under pressure while resolving disputes or conflicts.
  • Resolved customer complaints with empathy, resulting in increased loyalty and repeat business.
  • Handled escalated calls efficiently, finding satisfactory resolutions for both customers and the company alike.
  • Responded to customer requests for products, services, and company information.

Education

Bachelor of Science - Psychology

Virginia Commonwealth University
08.2002

Skills

  • Data security practices
  • Loan approvals
  • Issue resolution
  • Performance Metrics Monitoring
  • Steward of institutional regulatory compliance
  • Credit option explanation

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Accomplishments

  • Led team to achieve completing 24 loans a day consistently for months earning recognition from upper management and financial reward.
  • Consistently maintained high customer satisfaction ratings.
  • Collected over 1 million as a Assistant Community Manager

Timeline

Collections Manager

Pollard & Bagby LLC
05.2023 - Current

Remote Commercial Loan Processor

TD Bank
07.2020 - 05.2023

Remote Loan Specialist

Small Business Administration
03.2020 - 09.2022

Hybrid Human Resources Generalist

State Farm
11.2017 - 03.2020

Account Settlement Manager

Cortland Partners
06.2011 - 11.2017

Assistant Community Manager

Cortland Partners
12.2005 - 06.2011

Customer Service Representative

Blue Cross Blue Shield
02.2001 - 12.2005

Bachelor of Science - Psychology

Virginia Commonwealth University

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