JOE EDWARDS
Kettering
Summary
High in organizational integrity, able to relate to all and instill certitude in business relationships. Dependable and reliable in team support, enabling genuine long-term development, highly articulate, confident, and cogent in business related fields. Able to communicate for exceptional business performance. Excellence business background with extensive experience in fraud investigation, credit support and customer service. Efficient in fast paced environments where quick thinking and decision-making are critical. Able to organize and prioritize assignments with efficiency and punctual completion. Energetic and aggressive employee who possesses a strong work ethic and enjoys interaction with diverse client and co-worker populations. Computer proficient with experience using various computer software and industry-specific financial/customer data management systems.
Overview
27
27
years of professional experience
Work History
Customer Service Representative
GE CAPITAL RETAIL BANK/SYNCHRONY FINANCIAL
10.2000 - 06.2023
- Managed high volume of calls for customer service departments for several credit portfolios
- Competent with all aspects of application processing, credit analysis, and compliance practices
- Direct reporting to customer services management with responsibility for call handling
- Extensive knowledge in application software, Lotus, and Windows
Loan Originator
HEARTLAND HOME FINANCE
06.1999 - 09.1999
- Oversaw general processing for homeowner refinance and new home purchases
- Access of homeowner credit information for qualification
- Offered a wide variety of loan products to consumers
- Oversaw final closing loan procedures.
Credit/Fraud Underwriter
BANK ONE PRIVATE LABEL CREDIT SERVICES
01.1996 - 06.1999
- Recruited to full-time position after successful fulfillment of college co-op assignment
- Utilized company-specific software to access and review credit-worthiness for over 5000 accounts per month
- Closely interacted with retail merchants to approve or deny credit purchases and credit limit extensions
- Reviewed and approved/disapproved credit applications with 100% responsibility for final decisions
- Identified and investigated fraudulent credit applications and attempted card usage
- Reported findings directly to internal fraud departments and local authorities for fraud cases.
Education
political science and related fields of study, with possible emphasis in business organization and management
WILBERFORCE UNIVERSITY
05.1994
Skills
- Data Entry
- Consultative Sales
- Report Generation
- Complaint resolution
- Loan processing
- Payment processing
- Customer service
- Fraud detection
- Reporting and documentation
- Credit analysis
- Application processing
Timeline
Customer Service Representative
GE CAPITAL RETAIL BANK/SYNCHRONY FINANCIAL
10.2000 - 06.2023
Loan Originator
HEARTLAND HOME FINANCE
06.1999 - 09.1999
Credit/Fraud Underwriter
BANK ONE PRIVATE LABEL CREDIT SERVICES
01.1996 - 06.1999
political science and related fields of study, with possible emphasis in business organization and management
WILBERFORCE UNIVERSITY