Kathy Raciti
West Columbia
Summary
Adaptable professional with a quick-learning ability and a talent for adjusting to new environments. Skilled in rapidly acquiring new knowledge and applying it effectively. Driven by a passion for continuous learning and successfully navigating change.
Motivational leader and organizational problem-solver with advanced supervisory, team building and customer service skills. Experience stepping into roles and quickly making positive changes to drive company success. Focused on using training, monitoring and morale-building techniques to maximize employee engagement and performance.
Overview
30
30
years of professional experience
Work History
Wholesale Lending Credit Analyst - Manager
TDECU
Sugarland
05.2001 - 04.2025
- Minimized lending decision risks by formulating effective strategies.
- Executed detailed investigations of customer backgrounds, assets, and liabilities.
- Evaluated loan applications for precision and thoroughness.
- Assessed borrower creditworthiness through analysis of financial statements and credit reports.
- Negotiated favorable loan terms with customers in line with company standards.
- Fostered strong relationships with corporate clients via collaborative efforts.
- Ensured compliance with all regulatory requirements, including Anti-Money Laundering policies.
- Professionally communicated loan decisions to all applicants.
- Communicate loan decisions with participating dealerships via DealerTrack, RouteOne, AppOne, Four Star (D&M Leasing), and CUDL.
- Lending portfolio of over $25 million.
- Credit lending limit for secured loans: $150,000.00, and unsecured loans: $75,000.00.
- Provided excellent service and attention to customers when face-to-face or through phone conversations.
- Utilized advanced technical skills and expertise to troubleshoot complex problems and implement solutions.
- Promoted high customer satisfaction by resolving problems with knowledgeable and friendly service.
- Worked effectively in team environments to make the workplace more productive.
- Provided support and guidance to colleagues to maintain a collaborative work environment.
- Utilized various software and tools to streamline processes and optimize performance.
- Managed time effectively to ensure tasks were completed on schedule and deadlines were met.
- Approached customers and engaged in conversation through use of effective interpersonal and people skills.
- Conducted testing of software and systems to ensure quality and reliability.
- Recruited, interviewed and hired new workers offering valuable expertise and skills to lending department.
- Directed team responsible for performing consumer lending compliance monitoring and risk assessments.
- Reviewed tax returns and financial statements to finish underwriting process.
- Prepared detailed reports outlining current portfolio performance and recommended changes or adjustments as needed.
- Conducted employee one-on-one meetings to evaluate performance, resolve issues and provide job coaching.
- Coached new employees to inform of company processes, procedures and deadlines.
- Advised senior management on current industry regulations related to consumer lending and Indirect lending practices.
- Tracked daily volume of applications received versus approved and denied in order to measure overall effectiveness of department operations.
- Managed a team of loan officers responsible for originating, underwriting and processing new loans.
- Developed, maintained and monitored loan portfolios to ensure compliance with lending policies.
- Worked with cross-functional teams to achieve goals.
- Collaborated closely with team members to achieve project objectives and meet deadlines.
Teller
Compass Bank
Lake Jackson
11.2000 - 05.2001
- Adhered strictly to all security procedures related to handling money at the teller window.
- Continuously updated knowledge about banking products, services, policies and regulations.
- Resolved problems or discrepancies concerning customers' accounts.
- Verified customers' identification to ensure compliance with laws and regulations.
- Identified and reported suspicious behavior to security personnel as appropriate.
- Entered customer transactions into computers to record transactions and issue computer-generated receipts.
- Performed transactional, operational, and customer support tasks through knowledge of bank procedures and products.
- Received and counted daily inventories of cash, drafts and checks.
- Offered every customer exceptional service levels by remaining friendly and professional during every transaction.
- Cross-sold bank products by answering inquiries, informing customers of new services and promotions.
Assistant Manager
Discover Card Financial Services
Phoenix
05.1995 - 09.2000
- Ensured compliance with all federal laws pertaining to consumer financial protection including Fair Credit Reporting Act regulations.
- Exceeded established service goals while leveraging customer service, sales and employee management best practices.
- Recommended improvements in products, service and billing methods to management to prevent future problems.
- Resolved escalated customer issues in a timely manner while maintaining positive relationships with customers.
- Verified accuracy of customer information in order to ensure proper account management.
- Investigated suspected fraudulent activities and reported suspicious activity to the appropriate departments.
- Conducted regular training sessions for staff members on topics such as telephone etiquette and complaint handling techniques.
- Coached new hires regarding policies and procedures related to credit card operations and customer service best practices.
- Provided customer service to cardholders by responding to inquiries, resolving complaints and providing guidance on product features.
Education
High School Diploma -
Paradise Valley High School
Phoenix, AZ05-1987
Skills
- Credit analysis
- Loan underwriting
- Regulatory compliance
- Risk assessment
- Financial statement evaluation
- Customer relationship management
Affiliations
- Baseball Enthusiast
- Reading
- Spending time with my grand children
Timeline
Wholesale Lending Credit Analyst - Manager
TDECU
05.2001 - 04.2025
Teller
Compass Bank
11.2000 - 05.2001
Assistant Manager
Discover Card Financial Services
05.1995 - 09.2000
High School Diploma -
Paradise Valley High School
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