JANET BERG
CEDAR,MN
Summary
Customer-focused professional with successful 20-year career in the Credit Union industry. Team player, Manager, well-known for creating positive workplace, fun, and high-performing teams.
Overview
13
13
years of professional experience
Work History
Loan Services Manager
Cities Credit Union
04.2023 - Current
- Assist members with their lending needs.
- Help members apply for different loan products based on their financial needs.
- Underwrite loans, decision, approve or deny, and loan closing.
- Collaborated with sales and marketing teams to develop new services offerings, and quarterly product specials.
- Order, close ad maintain VISA cards.
- Assist members with first time mortgages, and home equities.
- Answer phones, and back up teller.
- Analyzed credit reports to identify areas of improvement.
- Maintain professional demeanor by staying calm when addressing unhappy or angry members.
Loan Officer
Cities Credit Unio
11.2015 - 04.2023
- Negotiated loan terms and conditions with members to ensure best interest rates and payments.
- Compiled database of loan applicants' credit histories, financial statements and other financial information.
- Utilized financial software tools to accurately assess borrower eligibility for various lending products.
- Conducted thorough credit analysis to minimize risk exposure for Credit Union.
- Monitored pipelines to track and log status of loans.
- Developed strong relationships with members through high levels of member service.
- Originated, reviewed, processed, closed, and administered customer loan applications.
- Compiled closing packages for drafting and presentation accuracy.
- Maintained strict confidentiality of bank records and client information.
Office Manager/Marketing/Greenhouse Worker
Tamblyn’s Farm and Greenhouse
01.2018 - 01.2022
- Office Manager responsibilities: paying bills in a timely manner, balancing accounts, financial and inventory entries into Quickbooks, budgeting, employee scheduling, answering company emails, organizing the office space, answering phones, paying sales and use tax to the State of MN, and filing miscellaneous paperwork
- Marketing responsibilities: creating and designing posts for the company FaceBook page, answering customer questions via chat, creating and maintaining the company Twitter account, taking pictures of flowers for advertising, and design of property decor per each season
- Greenhouse Worker responsibilities: Fill various sizes of pots with soil using conveyor system, transplant bulbs, starts, and bare roots, count inventory of pots planted of each variety, water and fertilize transplanted flowers, place hangers on hanging baskets properly, education about the different varieties of plants and flowers, assist customers selecting their plants based on their needs, and cashier duties.
Financial Service Representative/Teller Supervisor/Level 1 Lender
Sharepoint Credit Union
01.2011 - 01.2014
- Assist members of the credit union with financial needs including; basic transactions, opening and closing accounts, loan applications, processing, and closing, VISA credit card maintenance
- Read and decipher credit reports, follow lending procedures, cross sell products to members
- VISA credit card department; generating new plastics, status cards, managing automatic payments, monitoring fraudulent activity on accounts
- Teller supervisor duties; order and sell cash from Federal Reserve Bank, scheduling, cross train staff, teller supervisor meetings, assist teller line when needed
- Lending duties including processing applications, underwriting, decision and close automobile, recreational, unsecured and VISA card loans.
Education
Diploma -
Park Center Senior High school
A.A.S. Degree Veterinary Sciences -
Minnesota School of Business
Master Gardener Program
University of Minnesota Extension
2019
Skills
- Typing speeds of 70 plus words per minute
- Experience using multiple computer and financial programs
- Ability to multitask and work efficiently individually, as well as team member
- Excellent work ethic, hardworking, always on time for work shift to begin
- Superior communication skills, articulate and enthusiastic, great learner
- Competent with handling large amounts of cash, skilled at counting and balancing cash drawers quickly and efficiently
- Experience with credit reports, credit checks and collections 15 years
- Friendly outgoing personality with strong customer service experience 20 years, skilled at building clientele, maintaining good relationships and customer loyalty
Nmls
1273435
References
Available upon request
Timeline
Loan Services Manager
Cities Credit Union
04.2023 - Current
Office Manager/Marketing/Greenhouse Worker
Tamblyn’s Farm and Greenhouse
01.2018 - 01.2022
Loan Officer
Cities Credit Unio
11.2015 - 04.2023
Financial Service Representative/Teller Supervisor/Level 1 Lender
Sharepoint Credit Union
01.2011 - 01.2014
Diploma -
Park Center Senior High school
A.A.S. Degree Veterinary Sciences -
Minnesota School of Business
Master Gardener Program
University of Minnesota Extension
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