Holly Watson
Blue Ridge,GA
Summary
Skilled professional brings strong work ethic along with attention to detail. Enjoys staying busy and being productive. Honest, hardworking demeanor. Expertly meets new challenges with a great attitude and team spirit. Well-honed banking knowledge.
Overview
33
33
years of professional experience
Work History
Senior Loan Specialist
Copper Basin Federal CU
Blue Ridge, GA
07.2024 - 02.2025
- Met with applicants to obtain information for loan applications and answer questions about process.
- Verified client financial information to determine creditworthiness and loan eligibility.
- Educated customers on variety of loan products and available credit options to promote valuable decision-making.
- Completed day-to-day duties accurately and efficiently.
- Worked effectively in team environments to make the workplace more productive.
AVP / Recovery LO / SBA & Construction Loan Proc
United Community Bank
Blairsville, GA
08.2022 - 06.2024
- Provided direction, guidance, and support to various customers who had been through hardships to determine a payment plan to recover UCB's principal on charged-off loans, while helping the customer remove charged-off debt from their credit report.
- Created and monitored an Excel spreadsheet for the collection department on all judgments and/or liens filed on property owned by UCB in 6+ states and 30+ counties.
- Booked SBA loans for SBA loan officers.
- Posted SBA payments as needed.
- Booked construction loans for construction loan officers and supported those loan officers in whatever needs they had each day.
- Performed quality control on construction and SBA loans when needed.
Closer
Wilson Hamilton, LLC
Blue Ridge, GA
09.2020 - 08.2022
- Managed and resolved concerns, problems or issues to avoid closing delays.
- Assembled and compiled documents for loan closings.
- Worked closely with lenders to ensure timely closings.
- Managed a high volume of files on a daily basis.
- Reviewed title commitment and insurance policies to support pre-closing documentation.
Loan Processor
People's Bank of East Tennessee
Madisonville, TN
08.2019 - 09.2020
- Processed Real Estate, Consumer, and Commercial Loans for 15+ Lenders.
Loan Proc/Lender/Assis Branch Man/Backup Teller
People's Bank of East Tennessee
McCaysville, GA
07.2009 - 08.2019
- Processed consumer and commercial loans for one of the top loan officers in the company.
- Closed every loan in the branch, and answered any questions each borrower may have had on their loan documents.
- Interviewed clients and evaluated their requests for various types of loans, and approved or denied each request based on the documentation provided and each borrower's creditworthiness.
- Performed monthly audits on all teller drawers, ATMs, and the vault to ensure all monies were accounted for.
- Helped out on the teller line as needed.
Mortgage Loan Originator
The Home Depot Inc
Blue Ridge, GA
06.2008 - 07.2009
- Provided personalized loan options to meet clients' financial needs.
- Monitored loan progress, ensuring timely processing and closing.
- Collected and verified financial information from applicants.
Loan Processor
Appalachian Community Bank
Blue Ridge, GA
01.2003 - 06.2008
- Processed various types of loans (Consumer, Construction, Commercial) for 4 or more Loan Officers.
- Closed all loans that were processed, and answered any questions or concerns the customer may have had.
Loan Processor
BB&T
Copperhill, TN
02.1997 - 01.2003
- Processed various types of loans (Consumer, Construction, Commercial).
- Closed loans that were processed and answered any questions/concerns the customer may have had.
Teller
BB&T
Copperhill, TN
08.1992 - 02.1997
- Prepared official checks for customer and internal bank needs.
- Balanced cash drawers on a daily basis.
- Delivered exceptional service to customers in person or over telephone.
- Received and processed customer transactions, including deposits, withdrawals, loan payments and other banking services.
Education
High School Diploma -
Copper Basin High School
Copperhill, TN05-1992
Skills
- Credit analysis
- Collateral evaluation
- Loan documentation
- Loan processing
- Underwriting expertise
- Loan closing
REFERENCES
REFERENCES:
*James "Jim" Quintrell, Vice President
People's Bank of East Tennessee - (706) 964-8500
*Ruth Jordan, Vice President
Bank OZK - (706) 258-4000
*Terry Wilson, Attorney At Law
Wilson Pruitt, LLC - (706) 964-6808
Timeline
Senior Loan Specialist
Copper Basin Federal CU
07.2024 - 02.2025
AVP / Recovery LO / SBA & Construction Loan Proc
United Community Bank
08.2022 - 06.2024
Closer
Wilson Hamilton, LLC
09.2020 - 08.2022
Loan Processor
People's Bank of East Tennessee
08.2019 - 09.2020
Loan Proc/Lender/Assis Branch Man/Backup Teller
People's Bank of East Tennessee
07.2009 - 08.2019
Mortgage Loan Originator
The Home Depot Inc
06.2008 - 07.2009
Loan Processor
Appalachian Community Bank
01.2003 - 06.2008
Loan Processor
BB&T
02.1997 - 01.2003
Teller
BB&T
08.1992 - 02.1997
High School Diploma -
Copper Basin High School
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