Janice Spalt

• Assisted clients in understanding loan options and processes.
• Processed loan applications using industry-standard software.
• Developed strong relationships with clients through effective communication.
• Developed strong relationships with borrowers, resulting in high levels of customer satisfaction and repeat business.
• Maintained strict confidentiality of bank records and client information.
• Successfully managed high-volume pipeline of loans, consistently meeting or exceeding monthly sales targets.
• Originated, reviewed, processed, closed, and administered customer loan proposals.
• Streamlined internal processes for increased productivity by implementing time-saving tools and best practices within the team.
• Provided exceptional customer service during loan origination, addressing client concerns and ensuring a smooth process from start to finish.
• Maintained strict compliance with industry regulations, ensuring accuracy in disclosures and adherence to lending guidelines. Also work as a team to lower our delinquency . Review all programs that we have to offer our customers to help the bring their account current .
• Strive everyday to meet all goals set for me.
• I'm always performing beyond what is needed of me

Built strong rapport with new and existing clients to better serve them.
· Educated customers on variety of loan products and available credit options to promote valuable decision-making.
· Met or exceeded sales goals by promoting bank products and services in every interaction.
· Offered every customer exceptional service levels by remaining friendly and professional during every transaction.
· Fulfilled diverse duties to provide customer service, operate money counters, balance and replenish ATM's maintain accounts and open new accounts

• Managed daily office operations, ensuring efficient workflow and timely completion of administrative tasks.
• Developed and maintained filing systems, enhancing document retrieval processes for improved efficiency.

Analyzed applicants' financial status, credit and property.
· Provided expert financial advice on 2nd mortgages and personal loans.
· Secured payments by following up with customers which disregarded promise to pay.
· Adhered to regulatory and company security and audit procedures.
· Gathered required information from customers for settlement reviews.
· Collaborated with our attorneys to file suit and obtain judgments.
· Managed all charge-off accounts to recover lost monies.
Payment Processor
Underwriting

• Implemented compliance protocols to ensure adherence to regulatory standards and best practices.