Overview
Work History
Education
Timeline
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Kassandra Corbitt

Parkersburg,WV

Overview

9
9
years of professional experience

Work History

Consumer Credit Analyst

Peoples Bank
09.2017 - 06.2019
  • Reviewed credit reports to comprehensively view borrowers' credit history and identify potential red flags.
  • Analyzed credit scores to determine borrowers' creditworthiness.
  • Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
  • Monitored credit accounts routinely to identify and mitigate issues and prevent losses.
  • Reviewed and approved or denied credit applications to keep organization profitable by making informed lending decisions.
  • Assessed credit risk and analyzed financial statements.
  • Collaborated with other teams to identify and mitigate risks impacting organization.
  • Conducted financial review of customer lines of credit by assessing company financials and initiating credit application reviews.
  • Attended credit-related training and conferences to stay informed about industry trends and developments.
  • Made decisions and recommendations about extending lines of credit.
  • Worked in tandem with sales team and customers to negotiate payments and verify account reconciliations.
  • Participated in loan committee meetings to provide input on lending processes.
  • Conducted industry research to understand economic conditions impacting borrower ability to repay loans.
  • Conducted presentations to upper management and executive teams for loan recommendations.
  • Investigated and resolved customer disputes related to credit decisions.
  • Maintained compliance with applicable regulations and laws governing consumer credit.
  • Complied with internal controls and government regulations.
  • Negotiated payment plans and loan terms with delinquent customers.
  • Analyzed creditworthiness of loan applicants and determined credit risk of loan requests.
  • Analyzed and monitored portfolio credit performance against expectations and recommended improvement strategies.
  • Improved understanding of financial statements, which helped in assessing risk.
  • Documented underwriting decisions and provided evidence of compliance with applicable regulations.
  • Made approval and denial recommendations by determining accurate risk levels.
  • Examined credit reports, financial statements and tax returns to determine repayment capability.
  • Evaluated loan applications for affordability and conformance with underwriting guidelines.
  • Built strong relationships with lenders, brokers and clients for constructive communications.
  • Identified and resolved application discrepancies for accuracy and compliance with relevant regulations.
  • Determined and documented loan conditions and communicated requirements and decisions.
  • Assessed and advised on loan applications utilizing in-depth underwriting process understanding.
  • Monitored market conditions and economic trends to identify and limit potential risks.
  • Ascertained application viability by verifying collateral values, title reports and appraisals.
  • Utilized knowledge of insurance principles, policies and procedures to make decisions on risk assessment.
  • Collaborated with other professionals to develop innovative underwriting solutions.
  • Monitored underwriting teams' performance and provided mentoring to achieve personal and department production goals.
  • Studied insurance industry changes, remaining up-to-date with latest trends and protocols.
  • Developed and maintained relationships with customers, lenders and other third parties.
  • Approved loan applications based on customer creditworthiness and provided detailed financial advice.
  • Managed over 50 phone calls a day.
  • Monitored pipelines to track and log status of loans.
  • Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
  • Analyzed potential risks and evaluated loan products to identify suitable options for customers.
  • Proactively identified solutions for customers experiencing credit issues.

Branch Manager/Lender

The Citizens Bank Company
12.2016 - 08.2017
  • Meeting with customers to discuss financial needs
  • Taking loan applications; for installment and mortgages
  • Reviewing credit reports
  • Calculating Debt to Income & Loan to Value
  • Closing loans
  • Preparing loan documents
  • Researching property tax records
  • Managing time efficiently
  • Remaining organized while handling multiple loans at once
  • Prioritizing tasks appropriately
  • Growing business by cross selling
  • Answering emails
  • Multitasking
  • Managing employees
  • Using and learning new computer software
  • Being involved with community events on behalf of bank
  • Being able to function in all roles of my branch, such as running teller drawer, opening new accounts, balancing ATM, etc.
  • Maintained friendly and professional customer interactions.
  • Assessed employee performance and developed improvement plans.
  • Met deadlines by proactively managing individual and team tasks and streamlining processes.
  • Engaged employees in business processes with positive motivational techniques.
  • Complied with regulatory guidelines and requirements.
  • Created strategies to develop and expand existing customer sales, resulting in increase in annual sales.
  • Consulted customers to boost product sales and services.
  • Enhanced branch production rates by handling staff conflicts, evaluations, hiring, and termination processes and coaching employees on company protocol and payroll operations.
  • Reduced process bottlenecks by training and coaching employees on practices, procedures, and performance strategies.
  • Examined customer loan applications for loan approvals and denials.
  • Completed filings and upheld strict compliance with regulatory agencies and supervisors.
  • Compiled database of loan applicants' credit histories, financial statements and other financial information.

Senior Personal Banker, NMLS Licensed

WesBanco Bank
04.2016 - 12.2016
  • Solving problems that customers may be experiencing with accounts or other services we offer
  • Going on business calls
  • Providing financial solutions for customers that need assistance with their expenses
  • Processing loan applications, reviewing credit reports and if necessary counseling clients on how to build or improve their credit
  • Opening new accounts
  • Expanding customer relationships by discussing additional products when they are in the branch
  • Filing paperwork and organizing it in a manner that is office friendly
  • Following up with customers on pending business opportunities
  • Answering the phone
  • Time management in a productive manner
  • Assessing problems and providing solutions, both for customers and staff
  • Working together as a group to find solutions for situations a customer presents
  • Educating customers and employees on products and services we offer
  • Following up with customers and assuring they are taken care of and happy with service provided
  • Working with my team to provide excellent service and experience with every visit
  • Meeting and exceeding sales and referral goals
  • Orchestrated team referral competition with different incentives and rewards
  • Provided team exercises within staff meetings
  • Balanced cash drawers and vault accounts on daily basis with zero discrepancies.
  • Cross-sold bank products and services to meet customer needs and provide options.
  • Worked closely with management to strategize sales techniques to increase branch production and customer service.
  • Assisted customers with setting up or closing accounts, completing loan applications, and signing up for new services.
  • Networked to increase client base and encourage existing clients to expand financial portfolios.
  • Processed customer requests for statements, ordering additional checks, and updating customer personal information in database.
  • Followed up with customers to gather feedback and provide additional assistance.
  • Utilized customer relationship management software to provide accurate and complete customer service.
  • Promoted financial products by maintaining excellent service offering knowledge.
  • Answered customer questions and explained available services such as deposit accounts, bonds, and securities.
  • Managed deposits, withdrawals and wire transfers to process smooth banking transactions for clients.
  • Established new accounts for high net worth individuals and serviced existing accounts to maximize revenue.
  • Expanded client base by promoting new financial products.

Personal Banker

Peoples Bank
09.2012 - 04.2016
  • Solving problems that customers may be having with their accounts
  • Going out to local businesses to discuss existing or new relationships
  • Providing financial advice to individuals that need assistance with their budget
  • Processing loan applications and opening new accounts
  • Expanding customer relationships by discussing additional products when they are in the branch
  • Filing paperwork and keeping track of things that are pending
  • Answering the phone
  • Producing a schedule based on requested days off and bank affiliated functions
  • Managing my time in a productive manner
  • Assessing problems and providing a solution for customers and staff
  • Expanding customer knowledge on products and services we offer
  • Following up with customers about their business conducted and assuring they are taken care of
  • Working with my team to continue to provide excellent service for our customers
  • Meeting and exceeding goals set monthly
  • Managing over drawn accounts
  • Tested security and alarm functionality monthly
  • Perform audits on branch cash and machines within the branch for compliance purposes
  • Review large deposits and holds placed by tellers
  • Train new associates in various roles (teller, banker and manager)
  • Compiled a list of VIP clients and maintained relationships with those clients
  • Leading and partaking in conference calls for regional associates
  • Conducted weekly team meetings that included product knowledge and team exercises
  • Stepped in as acting branch manager in between management
  • Accomplishments
  • I have been promoted within the company twice within the first 18 month period of my employment
  • I have assisted multiple branches when short staffed
  • Received a customer service recognition star and other praises sent to my management from customers
  • I have been asked to lead and organize events among associates that provide opportunities for peer feedback and the chance to make outbound calls to gain business.
  • Worked closely with management to strategize sales techniques to increase branch production and customer service.
  • Assisted customers with setting up or closing accounts, completing loan applications, and signing up for new services.
  • Cross-sold bank products and services to meet customer needs and provide options.
  • Promoted financial products by maintaining excellent service offering knowledge.
  • Managed deposits, withdrawals and wire transfers to process smooth banking transactions for clients.
  • Followed up with customers to gather feedback and provide additional assistance.
  • Processed customer requests for statements, ordering additional checks, and updating customer personal information in database.
  • Networked to increase client base and encourage existing clients to expand financial portfolios.
  • Answered customer questions and explained available services such as deposit accounts, bonds, and securities.
  • Processed deposits, withdrawals and ACH transfers accurately.
  • Established new accounts for high net worth individuals and serviced existing accounts to maximize revenue.
  • Expanded client base by promoting new financial products.
  • Utilized customer relationship management software to provide accurate and complete customer service.
  • Backed up teller team by handling needs of new and existing customers at main counter.
  • Responded to customer inquiries regarding new accounts and account services.
  • Verified customer identity and reviewed documentation for accuracy.
  • Presented new and additional products and services to existing customers.
  • Provided customers with additional information regarding account services.
  • Maintained customer records and updated account information.
  • Activated new accounts and issued customer identification numbers.
  • Monitored accuracy of customer information in system.
  • Keyed customer contact information and payment data into system carefully observing corporate confidentiality procedures.
  • Contacted customers as soon as issues arose to immediately find resolution before problem escalated.
  • Explained account terms and conditions to customers.
  • Reconciled customer accounts and balanced daily transactions.
  • Tracked and processed customer account requests and applications.
  • Greeted customers and delivered information about new account processes.
  • Informed customers of procedures for applying for services such as ATM cards, direct deposit of checks and certificates of deposit.
  • Collected customer information and completed new account forms.
  • Processed customer payments and account setup charges.
  • Interviewed customers to obtain information needed for opening accounts or renting safe-deposit boxes.

Teller

WesBanco Bank
06.2012 - 09.2012
  • Waiting on a high volume of customers
  • Processing transactions
  • Balancing a cash drawer, vault, ATM and TCD
  • Answering the phone
  • Discussing products with customers
  • Reason for leaving
  • I was hired as a summer time temporary employee
  • Unfortunately when my time was up for the position there were no full time employment opportunities available and I had to look elsewhere.

Waitress

Texas Roadhouse
01.2010 - 07.2012
  • Taking customer orders
  • Making sure all the food is cooked properly
  • Multitasking
  • Being organized
  • Cash handling skills
  • Upselling” food to help sales
  • Being a team player and helping other servers with their duties
  • Remained calm and poised when dealing with difficult customers or during busy shifts.
  • Kept server areas clean and stocked to increase efficiency while working tables.
  • Used cash registers and credit card machines to cash out customers.
  • Greeted new customers, discussed specials, and took drink orders.
  • Maintained customer satisfaction with timely table check-ins to assess food and beverage needs.
  • Displayed enthusiasm and promoted excellent service to customers, successfully increasing referrals, and walk-in business.
  • Bussed and reset tables to keep dining room and work areas clean.
  • Followed health and safety regulations relevant to hospitality industry to minimize accidents, incidents and liability to restaurant.
  • Trained new waitstaff on proper food handling, customer service and safety procedures.
  • Resolved guest and employee complaints to maintain complete customer satisfaction and workforce effectiveness.
  • Bussed tables during busy periods to assist staff and quickly turn over tables.
  • Folded napkins and prepared silverware sets to provide adequate supply for host station.
  • Shared knowledge of menu items and flavors, enabling customers to make personal decisions based on taste and interest.
  • Collaborated with kitchen staff to correctly update customers on unavailable dishes and wait times.
  • Provided recommendations on menu items and upsold food and drinks to increase sales.
  • Carried out complete opening, closing and shift change duties to keep restaurant working efficiently and teams ready to meet customer needs.
  • Answered customers' questions, recommended items, and recorded order information.
  • Collected payment for food and drinks served, balanced cash receipts and maintained accurate cash drawer.
  • Processed orders and sent to kitchen employees for preparation.
  • Maintained order efficiency and accuracy through clear communication with kitchen staff, earning numerous recommendations from satisfied customers.
  • Helped customers with dietary restrictions, allergies and intolerances obtain safe, delicious food by working closely with kitchen staff on alternatives.
  • Presented menus to patrons promptly after seating and answered questions about menu items, making recommendations upon request.
  • Inspected dishes and utensils for cleanliness.
  • Printed dining checks with total due, collected payment and offered receipts to complete transactions.
  • Strategically timed check-ins with customers to take orders and confirm satisfaction with meals after delivery, taking action to correct any problems.
  • Checked guests' identification before serving alcoholic beverages.
  • Increased sales significantly by upselling higher-end products to customers.
  • Supervised dining table set-up to prepare for diversity of event types, following strict service standards.
  • Monitored patrons for alcohol intake to appropriate levels and took measures to curtail inappropriate behavior.

Education

High School Diploma -

Parkersburg High School
Parkersburg, WV

Certified Nursing Assistant -

West Virginia University of Parkersburg
Parkersburg, WV

Timeline

Consumer Credit Analyst

Peoples Bank
09.2017 - 06.2019

Branch Manager/Lender

The Citizens Bank Company
12.2016 - 08.2017

Senior Personal Banker, NMLS Licensed

WesBanco Bank
04.2016 - 12.2016

Personal Banker

Peoples Bank
09.2012 - 04.2016

Teller

WesBanco Bank
06.2012 - 09.2012

Waitress

Texas Roadhouse
01.2010 - 07.2012

High School Diploma -

Parkersburg High School

Certified Nursing Assistant -

West Virginia University of Parkersburg

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Kassandra Corbitt