Jordan Kerness
Banking Industry
Chandler,AZ
Summary
Sales professional very well versed in banking consumer side and small business side products and services. Coaching expertise and training knowledge/techniques to help team and new hires in on job training to get questions or processes completed. Systems knowledge and credit products expertise. Motivated to perform any job and task at highest level of service. Self-starter who is organized, disciplined and goal oriented. Excellent communication skills demonstrated by the ability to work with people of diverse backgrounds in person and over the phone with clients and co workers. Quickly able to establish rapport with clients and complete the task at hand. Trained/Mentored peers to increase sales. Driven to exceed monthly goals and have attained them. Extensive experience in quality and customer service surveys and voices with 100's across the board. Well-versed in handling a high volume of tasks and calls. Knowledgeable about managing financial transactions, preventing fraud and complying with various bank security acts and regulations. Highly skilled Loan Specialist with expertise in data accuracy and security. Hardworking professional with over 13 years of assisting clients, scheduling payments and reviewing credit histories. Knowledgeable in all credit procedures.
Overview
11
11
years of professional experience
4
4
years of post-secondary education
Work History
Loan Specialist
Bank Of America
Chandler, United States
11.2021 - Current
- Taking inbound calls from clients who have completed credit auto application or have questions about next steps for there auto purchase path or questions about rates and terms or status application is in. Also speak to Dealerships inquiring about different processes or inquires needed to proceed.
- If applicant has completed application and now calling in to ask how it works or Bank Of America has told them to call us because there is addition information needed to proceed then go over what client is calling on behalf of and assist accordingly, I handle specifically dealer purchase and refinancing applications. other types of applications such as private party or lease buy out and non preferred dealer or independent dealer and small business is transferred to loan officer who handles those loans.
- Once I'm in application I have to proceed through call flow to establish application, assign and service application. this consists of asking questions from client verifying information that was provided on application. and then setting up client for next steps to complete their purchase at preferred dealer or process External or Internal Refinance. That consists of negotiating APR/Terms with client and establishing clear understanding of how bank will proceed at agreed APR and terms to move forward.
- I have to execute verbal plan to client and how and what is needed to proceed that may consist of different documents needed such as residency or proof of income or vehicle registration or loan payoff information those are just some of examples i would need to go over with my clients.
- I perform extensive review of applicant with communicating stipulations set by underwriters and clearing review reasons. this process done by review of clients personal information through security systems that access and run data through and if I cant verify information there are processes I will go through and I will process decline application if I cant proceed or verify information.
- After Authentication process is completed and we have everything needed to proceed to finalize deal I generate dealer letter that client can give to dealer to create a sign and drive. I Also Follow up with clients who still need to be notified of what documents are still needed or documents that have been received that are not valid and inform client according this consists of service calls that i handle that just consist of client calling to check up on their application and documents that they sent if they have been reviewed or not. Once every 2 weeks I am a LOFU and for half day I follow up with clients making outbound calls to gather missing documents or steps missed from clients first call. I then have to route application to other departments according and they review sent in documents or create contracts.
- I work with underwriters everyday because certain processes will put application in underwriting status and that status needs to be cleared by them. I also value out collateral meaning vehicle I have to follow process to determine value of used or new vehicle and updating that can counter offer deal or decline application if its not with in our guidelines and requirements.
- I also get verbal payoff's by calling clients lender's on internal and external refinancing. there are extensive processes to follow and I use up to 25 different applications at time multi tasking is key to get job done this is all done while client is on line with me.
- I have received awards and recognition from managers and was given opportunity to move to a loan officer role 3 times but decided to turn it down.
- I have also been given surveys scores and feedback from my clients all have scored me at 100
- I am leading on job training class training new hires in role to become as successful as am at this role.
Preferred Senior Sales Specialist
Bank Of America
Chandler, AZ
10.2016 - 11.2021
- Assisting clients inbound with opening deposit accounts, credit cards, processing balance transfers, auto loans, CD's, small business credit cards, and referring to other partners like mortgage and Merrill Edge investment services. also complete all account maintenance from debit card replacement to ordering statements and adding co owners. Also requested credit line increases, researched requests and authorized to help with redeeming rewards. I take 20 to 35 calls day or more and generating 1000 or more in revenue day.
- My main job function is to take care of my client banking needs. Then Engage client into sales conversation by finding financial need by asking open ended questions and close my recommendations on additional bank products that will benefit them. I perform at highest level of customer service and bank quality standards to achieve highest results on daily basis to achieve set goals.
- High volume cash handling for clients. Managed personal and business accounts with millions of dollars in deposits, investments, transfers, and wires.
Outbound Sales Specialist I
Wells Fargo
Chandler, AZ
08.2014 - 09.2016
- Telemarketing Wells Fargo credit cards outbound to current customers.
- Main job functions include educating customer on offer asking questions and finding need or over coming objections then closing sale by Submitting credit card application.
- With process in place I must be perfect from reading terms following strict guidelines on quality and achieve monthly goal performance.
Phone Banker II
Wells Fargo Bank
03.2013 - 08.2014
- Customer service for credit card inbound servicing a variety of customer related requests and issues.
- Able to perform tasks in sectioned time goals also referred additional products and services.
- Initial job title was phone banker I was promoted to an II because of certain performance metrics that were met.
PPA Account Manager
G C Services
05.2011 - 03.2013
- Collections for Chase Inc.
- Delinquent credit card accounts balances ranged $1000.00 to $100,000.00 defaulted debt.
- Dialed Outbound to set up arrangements to pay balances and negotiate settlements.
- Followed all quality metric guidelines and laws set by the department.
Education
High School Diploma -
Cibola High School
Albuquerque, NM 01.2003 - 05.2007
Skills
Microsoft applications proficiency
Accomplishments
Received Awards for my performance and quality of service from managers. As well as incentive hitting department goals.
Timeline
Loan Specialist
Bank Of America
11.2021 - Current
Preferred Senior Sales Specialist
Bank Of America
10.2016 - 11.2021
Outbound Sales Specialist I
Wells Fargo
08.2014 - 09.2016
Phone Banker II
Wells Fargo Bank
03.2013 - 08.2014
PPA Account Manager
G C Services
05.2011 - 03.2013
High School Diploma -
Cibola High School
01.2003 - 05.2007
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