Jonathan Zielinski
Enterprise,AL
Summary
Highly motivated individual with a passion for service and being impactful. Looking to join the Avadian Credit Union team in the Branch Experience Manager role to transcend the customer experience and be an asset to the organization. Excited to bring an excellent work ethic and energetic attitude to lead the team in providing an excellent member experience, mentor fellow teammates, and strengthen the relationship within the community in which is served.
Overview
14
14
years of professional experience
Work History
CENTRALIZED UNDERWRITER
ALL IN CREDIT UNION
07.2023 - Current
- Mentors fellow Centralized Underwriters in risk based analysis pertaining to loan products All In Credit Union offers
- Uses loan authority to underwrite direct and indirect, consumer, mortgages, and business loans to support operations
- Ensures decisions are made with proper balancing of providing a high level of member service and minimizing risk for the credit union
- Maintain an up-to-maximize loan portfolio and service membership
- Have clear and conscience understanding of federal lending guidelines and abide by regulations such as the Fair Lending Act and other regulatory
- Utilize sound judgment in order to increase productivity and limit losses to the credit union as a result of operational issues within Centralized Underwriting program
- Meet or exceed operational goals in relation to loan productivity whether through direct or indirect channels
- Maintain professional business relations with members, community, and professional contacts
- Support current relationships within the communities in which we serve
BRANCH MANAGER (ENTERPRISE, AL)
ALL IN CREDIT UNION
12.2019 - 01.2022
- Coach, mentor, and set expectations for team members to follow through with organizational set standards in regard to member service (QUEST coaching and reporting)
- Establish rapport with local community by attending civic events helping to drive business to branch
- Manage one of the busiest branches within the Credit Union to include transactional data and loan goals
- Manage branch operation and lead team of driven individuals to meet organizational goals
- Manage timecards and report them to Payroll/Benefits within set deadlines
- Maintain employee personnel files and adhere to set guidelines by Human Resources
- Complete employee reviews, warnings, and coaching
- Help to maintain facility and report any damages or items to be repaired to Regional Manager
BRANCH MANAGER (DALEVILLE, AL)
ALL IN CREDIT UNION
09.2018 - 12.2019
- Coach, mentor, and set expectations for team members to follow through with organizational set standards regarding member service (QUEST coaching and reporting)
- Establish rapport with local community by attending civic events helping to drive business to branch
- Exceeded branch goals in relation to loan growth for the year
- Motivated team and helped to ensure of a smooth process through the Credit Union name change
- Manage branch operation and lead team of driven individuals to meet organizational goals
- Manage timecards and report them to Payroll/Benefits within set deadlines
- Maintain employee personnel files and adhere to set guidelines by Human Resources
- Complete employee reviews, warnings, and coaching
- Help to maintain facility and report any damages or items to be repaired to Facilities Coordinator
LOAN OFFICER
All IN CREDIT UNION-ARMY AVIATION CENTER FEDERAL CREDIT UNION
08.2017 - 09.2018
- Approve loans within specified limits set by the AACFCU board and refer loan applications outside those limits to Lending Managers for approval
- Discuss information and answer questions loan applicants may have directly and through phone channels
- Analyze applicants' credit history, debt to income ratio, and evaluate property to determine the feasibility of granting a loan
- Discuss and answer questions members may have in relation to the variety of consumer loans offered by AACFCU
- Review and update loan files to ensure completeness and accuracy
- Work with members to identify their financial goals and find ways to help them reach the specified goal
- Work within the Contact Center team to meet monthly loan goals in excess of $1.8 million
- Consistently meet monthly goals regarding cross selling AACFCU products and services
- Supervise more than thirty-five employees with direct management of loan specific Member Service Representatives
- Report and ensure accuracy of employees' work timecards utilizing ADP software
- Prepare, review, and disclose employees' annual reviews
- Maintain logs of phone login time, forced releases, and monthly goals in relation to selling products offered by AACFCU, which directly correlates to the employee's annual review
- Prepare and disclose employee disciplinary forms when an infraction occurs, but taking a coaching method to help the employee to understand the infraction and prevent future occurrences
- Work with multiple departments and department managers within AACFCU to assist members
- Provide leadership to the Contact Center team within multiple roles while maintaining a high team moral
- Review processes and procedures within the Contact Center team to ensure efficiency and help drive performance
INDIRECT LENDING LOAN PROCESSOR
All IN CREDIT UNION-ARMY AVIATION CENTER FEDERAL CREDIT UNION
08.2016 - 08.2017
- Review loan files from preferred dealerships for completeness and accuracy
- Fund preferred dealerships and post the loan to members' accounts once the file is set for funding
- Provide excellent service to representatives of preferred dealerships to promote them using AACFCU as their lending institution
- Field questions and find answers to complex issues that may arise with loan files or situations concerning preferred dealerships
- Work with other Indirect Lending Team Members to meet monthly loan totals, funding in excess of $15 million per month
- Discuss terms and rates pertaining to the loan agreements with preferred dealerships
- Maintain a relationship with preferred dealerships that is conducive to increasing the loan portfolio of AACFCU
FLOATING TELLER/LOAN PROCESSOR
All IN CREDIT UNION-ARMY AVIATION CENTER FEDERAL CREDIT UNION
08.2012 - 07.2016
- As a Teller, work directly with AACFCU membership as a front-line employee ensuring to provide excellent member service
- Consistently meet monthly goals in relation to cross-selling of AACFCU products and services
- Maintain and balance a cash drawer as consistent to transactions input into computer system
- Review currency and checks for authenticity to help prevent losses to AACFCU caused by fraud
- Discuss, process, and close the variety of consumer loans offered by AACFCU through the direct channel due to working within multiple AACFCU branches
- Post the variety of direct consumer loans offered by AACFCU with accuracy
- Review loan files for completeness and accuracy before passing it on to a Loan Officer
Education
Bachelor of Arts - History, Coaching Principles
LaGrange College
La Grange, GA05.2011
REGULAR DIPLOMA -
Daleville High School
05.2006
Skills
Upstanding character and a work ethic that is unparalleled High level of energy and passionate about coaching others to obtain success Provide excellent member service daily and am consistently a top performer within the Credit Union in regard to meeting organizational standards and goals Skilled in being able to work well within a team setting and possess strong leadership qualities (All In Credit Union Branch Manager/voted Team Captain of the Daleville High School football team in 2005) Strong ability to research and find answers to complex questions that may arise in the work place (received the Research Scholar Award from LaGrange College in 2011)
Timeline
CENTRALIZED UNDERWRITER
ALL IN CREDIT UNION
07.2023 - Current
BRANCH MANAGER (ENTERPRISE, AL)
ALL IN CREDIT UNION
12.2019 - 01.2022
BRANCH MANAGER (DALEVILLE, AL)
ALL IN CREDIT UNION
09.2018 - 12.2019
LOAN OFFICER
All IN CREDIT UNION-ARMY AVIATION CENTER FEDERAL CREDIT UNION
08.2017 - 09.2018
INDIRECT LENDING LOAN PROCESSOR
All IN CREDIT UNION-ARMY AVIATION CENTER FEDERAL CREDIT UNION
08.2016 - 08.2017
FLOATING TELLER/LOAN PROCESSOR
All IN CREDIT UNION-ARMY AVIATION CENTER FEDERAL CREDIT UNION
08.2012 - 07.2016
Bachelor of Arts - History, Coaching Principles
LaGrange College
REGULAR DIPLOMA -
Daleville High School