Hi, I’m
Janocqua Hill
Alsip,IL
Summary
Experienced Loan Officer adept at assessing customer needs, providing suitable products and guiding customers through loan process. Currently seeking to maintain a position that offers professional challenges utilizing interpersonal skills, excellent time management and problem-solving skills.
Overview
20
years of professional experience
2
Certification
Work History
NuMark Credit UnionTinley Park, IL
Financial Services Representative/Consumer Loan Officer
11.2019 - Current
Job overview
- Originate, review, process, close, and administer customer loan proposals.
- Recommended loan approvals and denials based on customer loan application reviews.
- Examine customer loan applications for loan approvals and denials.
- Utilize risk management strategies to attain high loan approval rates.
- Compile database of loan applicants' credit histories, financial statements and other financial information.
- Monitor pipelines to track and log status of loans.
- Assess loan portfolios for compliance with underwriting policies.
- Process loan applications and monitored progress from start to finish.
- Analyze potential risks and evaluated loan products to identify suitable options for customers.
- Proactively identified solutions for customers experiencing credit issues.
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
- Negotiate loan terms and conditions with customers to secure best deal.
- Complied with regulatory requirements of Bank Secrecy Act, Anti Money Laundering, OFAC, USA Patriot Act, Privacy Act and Community Reinvestment Act.
Bank Of AmericaCountry Club Hills, IL
Relationship Manager, Banking Operations
09.2015 - 10.2018
Job overview
- Developed and cultivated lucrative relationships with both new and existing clients through effective communication and exemplary interpersonal skills.
- Developed strategic plans for day-to-day financial operations.
- Built and maintained relationships with new and existing clients while providing high level of expertise.
- Achieved goals for sale of bank products and services and exceeded performance metrics for customer service.
- Performed banking, business administration and financial tasks to guarantee five-star service for clients.
- Evaluated and negotiated contracts to procure favorable financial terms.
- Monitored and verified suspicious activity on customer accounts.
- Executed wire transfers, stop payments and account transfers.
- Adhered to established security procedures and reported potential fraud or safety violations to management for immediate recourse.
- Handled various accounting transactions.
- Generated new business and referral clients in partnership with financial advisors and branch team.
Bank Of AmericaOak Lawn, IL
Personal Banker
08.2009 - 09.2015
Job overview
- Responded to customer inquiries regarding new accounts and account services.
- Collected customer information and completed new account forms.
- Explained account terms and conditions to customers.
- Utilized customer relationship management software to provide accurate and complete customer service.
- Monitored customer accounts to detect irregularities or suspicious activity.
- Cross-sold bank products and services to meet customer needs and provide options.
- Processed deposits, withdrawals and ACH transfers accurately.
- Assisted customers with setting up or closing accounts, completing loan applications, and signing up for new services.
- Established new accounts for high net worth individuals and serviced existing accounts to maximize revenue.
- Verified customer identity and reviewed documentation for accuracy.
- Managed deposits, withdrawals and wire transfers to process smooth banking transactions for clients.
- Worked closely with management to strategize sales techniques to increase branch production and customer service.
- Trained new hires on customer service policies and procedures.
Bank Of AmericaChicago, IL
Teller
09.2003 - 08.2009
Job overview
- Assisted customers with banking needs and inquiries.
- Balanced cash drawer daily and resolved discrepancies to provide accurate data regarding cash flow.
- Monitored and verified suspicious activity on customer accounts.
- Processed customer transactions promptly, minimizing wait times.
- Counted, verified and handled bank deposits and armored car transactions.
- Educated customers on online banking and mobile banking applications.
- Trained new hires on customer service policies and procedures.
- Executed wire transfers, stop payments and account transfers.
- Referred customers to other banking departments for specialized services.
- Cross-sold credit cards, loans and other bank products.
- Identified sales opportunities and referred customers to branch partners in financial services.
- Assisted with training of new tellers on policies and procedures.
- Monitored and reported suspicious activity in line with bank security policies.
Education
Robert Morris CollegeChicago, IL
Bachelor of Arts from Graphic Design
Skills
- Customer Accounts Management
- Sales Pipeline Maintenance
- Anti Money Laundering (AML)
- Regulatory Compliance
- Financial Information Review
- MS Office Expertise
- Credit Union Operations
- Underwriting Support
- Loan Servicing
- Fraud Prevention and Detection
- Loan Application Management
- Credit Application Review
Certification
- Finance Foundation: Risk Management Training - March 2023
- Certified Finance Foundation: Risk Management - March 2023
- Introduction to Credit Training - March 2023
- Certified Introduction to Credit Training - March 2023
Additional Information
NMLS# 1931238
Timeline
Financial Services Representative/Consumer Loan Officer
NuMark Credit Union
11.2019 - Current
Relationship Manager, Banking Operations
Bank Of America
09.2015 - 10.2018
Personal Banker
Bank Of America
08.2009 - 09.2015
Teller
Bank Of America
09.2003 - 08.2009
Robert Morris College
Bachelor of Arts from Graphic Design
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