Hi, I’m
Gemeka Griffin
Lagrange,GA
Summary
. Highly skilled Loan Specialist with expertise in data accuracy and security. Hardworking professional with over 15 years of assisting clients, scheduling payments and reviewing credit histories. Knowledgeable in all credit procedures.
Overview
15
years of professional experience
Work History
PNC Bank
Loan Processor
11.2021 - Current
Job overview
- Responsible for reviewing and verifying mortgage loan applications in order to ensure that all necessary requirements and guidelines have been followed
- Collaborate with underwriters, loan officers, and borrowers to collect all relevant documentation and informationReview appraisals, title reports, and other important loan documents
- Prepare the loan packages for submission to the underwriter.
- Improved loan processing efficiency by streamlining documentation and communication procedures.
- Reduced processing time for loan applications by implementing an organized filing system.
- Increased customer satisfaction with timely responses to inquiries and providing thorough explanations of loan processes.
- Maintained compliance with federal, state, and company regulations through regular review of updated guidelines
- Follow up with clients to go over closing details and set a time for their closing appointment
PNC Bank
Personal Banker
12.2019 - Current
Job overview
- Recommended banking products and services to members based on individual requirements
- Employed marketing tools to proactively reach out to customers and set appointments for periodic financial reviews
- Used consultative sales process and financial needs assessment to build thorough customer profiles
- Processed and managed member accounts for saving, checking, and investment needs
- Connected regularly with existing customer base to cross-sell available products and developed presentations to engage potential customers in bank offerings
- Collaborated across departments to process investment, mortgage, and insurance documentation
- Supported the teller team by helping with advanced customers and stepping in during busy periods to manage the customer flow
- Assessed the creditworthiness of applicants by obtaining histories from reporting agencies
- Helped customers understand available services and select best bank product, such as deposit account or investment strategy
- Investigated and resolved customers' account errors, correcting bank records and eliminating discrepancies
- Executed wire transfers of funds for customers setting up new accounts
- Accurately opened new accounts by correctly compiling the customer's information and filing related forms
- Managed the safety deposit system at the bank, including issuing keys and admitting customers to the vault.
Onemain Financial
Loan Officer
07.2015 - 12.2019
Job overview
- Counseled prospects on available finance options matching current needs
- Determined approval status of loan applications based on applicants' qualifications
- Promoted additional services for clients with more specialized needs
- Assisted clients through loan application process cycle through closing
- Took applications and collected income and asset documentation to enable underwriting and prompt loan decisions
- Reviewed loan agreements for completeness and accuracy
- Monitored pipeline by communicating with underwriters and processors
- Resolved customer complaints through research and investigation
- Complied with company quality standards and applicable regulations governing financing
- Calculated the customer's initial payment plans and repayment schedules for delinquent customers to bring loans current
- Helped clients identify their financial goals and identify strategies for achieving each target
- Carefully reviewed account and credit records to determine the risk level associated with each applicant
- Met with clients to complete application documentation, answer their questions and resolve any concerns or complaints.
WOW Cable
Collections Agent
02.2013 - 07.2015
Job overview
- Set up payment plans to help customers bring accounts current
- Reviewed accounts regularly to prioritize collection efforts based on factors such as dates and balance amounts
- Posted payments and adjusted balances to reflect new values
- Conducted skip tracing to locate individuals responsible for outstanding balances
- Called moderately aged accounts in-person with friendly approach to resolve non-payment issues
- Monitored overdue accounts to track new payments and document continued issues.
American Home Shield
Customer Service Representative
12.2008 - 02.2013
Job overview
- Managed inbound and outbound calls to respond to inquiries and resolve concerns
- Provided solutions, recommendations, and replacements, using an empathetic approach and demeanor
- Responded to questions and followed up on customer interactions
- Returned customer calls, responding to inquiries and complaints effectively
- Responded to customer questions and complaints and documented consumer communications
- Assisted associates with problem resolutions
- Documented detailed notes in CRM system to track customer interactions
- Informed customers and professionals on eligibility, benefits, claims payment, and authorizations
- Acted as company ambassador, professionally delivering high level of service and high-quality support to every customer.
Education
Randolph County High School
High School Diploma
Southern Union Community College
Associate of Applied Science from Sociology
Skills
- Prioritization
- Organization
- Customer relations
- Multitasking
- Verbal communication
- Relationship Building
- Creative thinking
- Problem-solving
- Manage complaints
- Complete loan applications
- Opening and closing accounts
- Upselling and cross-selling
- Team development
- Call center procedures
- Customer service
- Multi-line telephone operations
- Data entry
- Client communication
- Banking operations support
- Conflict resolution
- Call escalation
- Customer Service
- Application Process Management
- Teamwork and Collaboration
- Credit Reports
- Loan Servicing
- Attention to Detail
- Document Management
- Dedicated Work Ethic
- Regulatory Compliance
- Employment Verification
- Application preparation
- Policy Adherence
- Document Review
- Proficient in Software
- Loan Origination
- Credit and collections
- Loan Disclosures
- Data Entry
- Legal Compliance
- Risk Mitigation
- Financial document review
- Sound Judgment
- Deadline Management
- Creditworthiness Determination
- Complaint Handling
- Income Evaluation
- Problem-solving abilities
- Goal Setting
- Professionalism
- Decision-Making
- Professional Demeanor
- Active Listening
- NMLS Registration
- Process Improvement
Timeline
Loan Processor
PNC Bank
11.2021 - Current
Personal Banker
PNC Bank
12.2019 - Current
Loan Officer
Onemain Financial
07.2015 - 12.2019
Collections Agent
WOW Cable
02.2013 - 07.2015
Customer Service Representative
American Home Shield
12.2008 - 02.2013
Randolph County High School
High School Diploma
Southern Union Community College
Associate of Applied Science from Sociology
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