Jill Thares
Great Falls ,MT
Summary
With a proven track record at Bravera Bank, I excel in loan processing and risk management, demonstrating exceptional customer service. My expertise in portfolio management, coupled with a self-motivated nature, has significantly enhanced client satisfaction and operational efficiency. My collaborative approach and strategic insights have consistently driven positive outcomes in complex financial scenarios.
Overview
27
27
years of professional experience
Work History
Home Equity Banking Officer
Bravera Bank
06.2016 - Current
- Maintained strict adherence to regulatory guidelines, minimizing compliance risks for the bank.
- Assisted clients with various banking needs including account openings, loan applications, and financial planning advice.
- Resolved complex customer issues efficiently, ensuring a positive experience for all parties involved.
- Worked closely with colleagues in other departments to ensure seamless delivery of integrated financial solutions for customers.
Commercial Loan Officer
Bravera Bank
06.2016 - Current
- Conducted interviews and reviewed financial history, credit and property evaluations of each customer.
- Obtained and reviewed corporate financial statements.
- Enhanced team productivity by sharing industry knowledge and best practices during staff training sessions.
- Assisted clients in navigating complex financial statements to help them better understand their overall financial position.
- Built trust and promoted customer loyalty throughout underwriting process.
- Boosted loan portfolio growth by developing and maintaining strong relationships with new and existing clients.
Mortgage Loan Processor
US Bank
12.2010 - 07.2012
- Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
- Managed a high volume of loan applications, consistently meeting or exceeding established processing timeframes for both new loans and refinancing.
- Handled any conditions sent from underwriting departments.
- Contributed to the success of the mortgage team by providing essential support in the areas of loan documentation review, data entry, and client communication.
Indirect Lending Specialist
First Interstate Bank
07.2005 - 12.2009
- Developed customized financial solutions tailored to individual dealership needs, fostering long-term partnerships that benefited both parties involved in transactions.
- Assisted in developing and implementing credit policies and procedures to mitigate risks in the lending process.
- Conducted thorough analyses of borrower credit history, income, and collateral to ensure responsible lending decisions were made.
- Negotiated competitive interest rates with dealer partners, securing favorable terms for both parties involved in the transaction.
- Collaborated with dealerships to build strong relationships and increase loan volume from key partners.
Senior Loan Collector
First Interstate Bank
12.1997 - 07.2005
- Performed detailed account analyses to identify trends contributing to delinquencies and recommend appropriate actions for resolution.
- Supported a positive work environment by collaborating effectively with team members and assisting in the resolution of internal conflicts when necessary.
- Assisted management in identifying potential high-risk loans for proactive monitoring and targeted intervention strategies.
- Reduced loan delinquency with consistent follow-ups and personalized payment plan negotiations.
- Utilized various communication methods including phone calls, emails, and written correspondence to maintain contact with borrowers throughout the collections process.
- Ensured adherence to company guidelines and ethical standards during all collection activities, maintaining a strong reputation for professionalism and integrity.
- Provided support to other team members, sharing best practices for effective loan collections and delinquency prevention.
- Demonstrated empathy while maintaining firmness when dealing with challenging collection scenarios, balancing compassion with professionalism.
- Maintained the repossessions, selling the collateral and Chargine the loans off
- Negotiated payment plans with customers to prevent accounts from entering collections.
Education
Associate of Arts - Office Administration
University of Montana
Missoula MTAssociate of Arts - Early Childhood Education
Metropolitan Community College
Omaha, NESpecial Education - Elementary Education
MSU Billings
Billings MTSkills
- Loan processing
- Risk management
- Banking software proficiency
- Portfolio management
- Credit and collections
- Credit assessment
- Loan origination and underwriting
- Mortgage banking and analysis
- Verbal and written communication
- Customer Service-oriented
- Self-motivated nature
Timeline
Home Equity Banking Officer
Bravera Bank
06.2016 - Current
Commercial Loan Officer
Bravera Bank
06.2016 - Current
Mortgage Loan Processor
US Bank
12.2010 - 07.2012
Indirect Lending Specialist
First Interstate Bank
07.2005 - 12.2009
Senior Loan Collector
First Interstate Bank
12.1997 - 07.2005
Associate of Arts - Office Administration
University of Montana
Associate of Arts - Early Childhood Education
Metropolitan Community College
Special Education - Elementary Education
MSU Billings
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