Hayleigh Carver
Neosho,MO
Summary
Professional, detail oriented, long term Arvest Bank associate seeking to expand knowledge with a new opportunity. Highly organized, self-motivated, and personable individual skilled in communication, customer service, project management and analytical decision-making skills
Overview
11
11
years of professional experience
Work History
CREDIT ANALYST
Arvest Bank
02.2022 - Current
- Analyze loan applicants’ financial data and documents to evaluate lending risk
- Assess the creditworthiness of individuals, companies, and institutions to determine if lines of credit should be approved or denied
- Create and present training courses for underwriting and frontline in regards to tax analysis, income guidelines, and income procedures
- Maintain and edit tax analysis procedures on a regular basis to ensure accuracy, and consistency with IRS guidelines and requirements
- Communicates credit decisions and policies to underwriting and frontline, to better present decisions to customers
- Ensures that all consumer loans are made in adherence with federal, state, and local financial regulations
- Generate and distribute daily reports for the underwriting team
- Create and maintain complex Excel documents, Google Sheets and formulas to analyze detailed income calculations
MORTGAGE SALES ASSISTANT
Arvest Bank
03.2021 - 02.2022
- Work directly with mortgage lenders to manage leads and contacts for new mortgage business
- Provide support to lenders by ensuring loan applications and corresponding documentation meets the applicable loan program
- Collect and review credit documentation needed for the next steps in the loan process
- Review loan packages with the borrowers and collect necessary signatures, fees, and supporting documents
- Communicate appraisal values to customers and obtaining appropriate documentation after
- Schedule closings with borrowers and the title company once all approvals have been collected
TREASURY MANAGEMENT PAPER BASED OPERATIONS MANAGER
Arvest Bank
01.2020 - 03.2021
- Manage the TM Paper Based Operations Team and their daily activities to ensure a high level of customer service for all Treasury Management customers
- Provide guidance and serve as a point of escalation to determine the best resolution for difficult situations that may arise
- This includes troubleshooting any system issues with customers sending or receiving their paper-based files
- Develop and coach team members by setting goals and tracking success
- Then use tracking systems to write, complete, and deliver performance reviews
- Review documented process on a regular basis to ensure they are up to date and accurate
- Develop and cultivate close working relationships with vendors, TM customers, TM Sales teams, local post office employees and external couriers
TREASURY MANAGEMENT CUSTOMER SERVICE REPRESENTATIVE
Arvest Bank
12.2018 - 01.2020
- Manage inbound and outbound calls in a timely manner
- Troubleshoot customers issues with the treasury management site or ACH system
- Monitor daily ACH transactions for customers and balance ACH registers
- Seize opportunities to upsell products, when they arise
- Identify customers' needs, verify information, research every issue and provide solutions and/or alternatives
- Generate statistic reports on a monthly basis, for tracking and productivity monitoring
OFFICE MANAGER
Peck Window
11.2017 - 12.2018
- Oversaw training and daily performance of staff
- Managed office inventory and placed new supply orders as necessary
- Organized software licenses and handled all system updates
- Worked directly with customers to meet their needs and maintain satisfaction
TELLER - ASSISTANT BRANCH MANAGER
Arvest Bank
12.2013 - 11.2017
- Supervised 7 branch team members on a daily basis
- Trained and mentored highly effective teams to adhere to corporate service standards
- Monitored daily operations and supported Branch Manager in necessary duties
- Built rapport with clientele through frequent, individualized recommendations for financial products and services
- Developed strategies to achieve target sales goals
- Trained employees on cash drawer operations
- Wrote and presented evaluations and/or performance improvement reports as necessary
Education
High School Diploma -
Bentonville High School
Bentonville, AR05.2012
Skills
- Risk assessment
- Credit analysis
- Financial statement analysis
- Credit risk
- Verbal and written communication
- Relationship management
- Goal oriented
- Customer service leadership
- Banking Procedures Knowledge
- Banking regulations compliance
Timeline
CREDIT ANALYST
Arvest Bank
02.2022 - Current
MORTGAGE SALES ASSISTANT
Arvest Bank
03.2021 - 02.2022
TREASURY MANAGEMENT PAPER BASED OPERATIONS MANAGER
Arvest Bank
01.2020 - 03.2021
TREASURY MANAGEMENT CUSTOMER SERVICE REPRESENTATIVE
Arvest Bank
12.2018 - 01.2020
OFFICE MANAGER
Peck Window
11.2017 - 12.2018
TELLER - ASSISTANT BRANCH MANAGER
Arvest Bank
12.2013 - 11.2017
High School Diploma -
Bentonville High School
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