Kelsey Zidermanis
Waco,TX
Summary
Results-driven Loan Verification Analyst at Heart O Texas Federal Credit Union, adept at credit analysis and regulatory compliance. Successfully optimized loan processing efficiency, enhancing customer satisfaction through effective communication and relationship building. Proven ability to assess loan feasibility and mitigate risks, ensuring timely approvals while maintaining high standards of accuracy.
Overview
12
12
years of professional experience
1
1
Certification
Work History
Loan Verification Analyst
Heart O Texas Federal Credit Union
Waco, TX
01.2020 - Current
- Developed relationships with customers through effective communication during the verification process.
- Advised customers on additional steps needed for successful completion of their application process.
- Worked closely with lenders in order to ensure that all documents required for loan approval were collected accurately and in a timely manner.
- Ensured compliance with federal regulations regarding loan origination procedures by verifying applicant data is accurate and complete.
- Tracked progress on verifications regularly and updated relevant stakeholders about status changes.
- Evaluated credit worthiness of applicants using established criteria such as FICO scores, payment histories.
- Suggested improvements to existing processes in order to optimize efficiency within the department.
- Investigated debt-to-income ratios of borrowers before making a decision on their eligibility for a loan.
- Communicated decisions regarding loans via written correspondence or phone calls.
- Assessed potential risks associated with loan requests and documented findings in a timely manner.
- Collaborated with internal departments such as underwriting and closing teams throughout the entire lending cycle.
- Performed detailed calculations on income, assets, liabilities, debts and expenses of borrowers prior to approving loans.
- Responded promptly to customer inquiries related to their applications for loans.
- Maintained records of all verifications conducted including copies of documents used in the process.
- Prepared detailed reports outlining results from each verification performed.
- Reviewed customer loan applications to verify accuracy and completeness of information provided.
- Provided feedback to team members regarding best practices when conducting verifications.
- Analyzed financial statements, credit reports, tax returns and other documentation to determine borrower's ability to repay the loan.
- Identified valuable solutions for customers with credit problems.
- Reviewed loan agreements to verify completeness and accuracy according to applicable policies.
- Helped customers make decisions about loans and lines of credit based on availability, terms and benefits.
- Reviewed credit histories from applicants and determined feasibility of granting requested loans.
- Analyzed applicant financial and credit status, evaluating assets and risk to determine loan feasibility.
- Met with applicants to obtain information for loan applications and answer questions about processes.
- Assessed feasibility of loan approval by reviewing financial histories, available credit and current employment.
- Updated client account information and records in company databases.
- Verified client financial information to determine creditworthiness and loan eligibility.
- Developed loan contracts and explained contract terms to clients.
- Reviewed client documentation and contracts for discrepancies and mistakes.
- Located and suggested loan packages that met client needs and priorities.
- Listened carefully to customer complaints and swiftly resolved issues by taking appropriate action.
- Approved or denied loan applications and explained reasoning behind decisions.
- Evaluated and approved loan applications based on established criteria.
- Prepared reports for customers with delinquent and irreconcilable accounts.
- Collaborated with company teams to expedite loan approval processes.
- Informed customers of loan application requirements and deadlines.
- Developed and recommended personal or commercial loan packages for clients.
Department Lead
Walmart
Waco , TX
02.2015 - 08.2019
- Provided training and guidance to new employees on policies and procedures.
- Coordinated with other departments to ensure efficient workflow across the organization.
- Collaborated with senior management on strategic initiatives that impacted the overall business objectives.
- Managed daily operations within budget constraints while ensuring quality standards were met.
- Resolved customer complaints in a timely manner by identifying root causes of issues.
- Ensured compliance with all federal, state, local laws and regulations related to the department's operations.
- Managed inventory levels by placing orders when necessary and monitoring stock levels throughout the year.
- Conducted regular meetings with staff to review objectives, deadlines and progress towards goals.
- Provided leadership, motivation, direction and support to team members in order to achieve individual success as well as team goals.
- Put together special displays and coached employees on latest promotions.
- Handled shift overstock, restocking and inventory control.
- Enforced safety rules and other policies to protect employees and minimize company liability.
- Performed opening and closing duties as part of management team and handled cash management.
- Worked closely with sales associates to complete tasks.
- Executed targeted merchandising and promotional plans to meet department sales goals.
- Kept department on-target to meet sales and profit objectives by minimizing waste and pursuing revenue generation opportunities.
- Balanced workloads to meet targets without overtaxing employees.
- Supported shrinkage and safety awareness, reviewed sales and inventory data, identified trends and prepared reports for management.
- Followed safety protocols and company processes and procedures.
- Analyzed competitors and market trends to identify opportunities for growth and differentiation.
- Managed daily operations, ensuring efficient workflow and productivity.
- Implemented customer service standards, ensuring high levels of customer satisfaction.
- Identified needs of customers promptly and efficiently.
- Implemented strategies to take advantage of new opportunities.
- Created plans to propose solutions to problems related to efficiency, costs or profits.
- Organized client meetings to provide project updates.
- Evaluated needs of departments and delegated tasks to optimize overall production.
- Oversaw quality control to identify inconsistencies and malfunctions.
Childcare Provider
Think Play Grow Academy
Waco, TX
07.2013 - 02.2015
- Monitored children's progress through ongoing assessments of their abilities and interests.
- Maintained a clean and organized play area.
- Engaged in creative play activities that promoted language development, physical activity and problem solving skills.
- Developed positive relationships with families by communicating regularly about their child's development.
- Assisted with feeding infants and toddlers during meal times.
- Implemented discipline strategies when needed while ensuring the safety of all students.
- Participated in parent and teacher conferences to discuss student progress or any other concerns related to childcare services provided.
- Observed children's behavior and development, communicate information with parents.
- Collaborated with teachers on special projects such as holiday parties or end-of-year events.
- Taught basic skills such as personal hygiene, social manners and appropriate behavior.
- Provided a safe, nurturing and stimulating environment for children to learn and grow.
- Assisted in developing and implementing lesson plans to meet the individual needs of each child.
- Ensured cleanliness of classroom areas including toys, furniture, materials.
- Helped develop motor skills through active playtime activities like running, jumping.
- Worked collaboratively with co-workers to ensure safety of all the children in care.
- Read books aloud to small groups or individual children.
- Assisted in planning nutritious snacks and meals according to dietary guidelines set forth by state regulations.
- Organized age-appropriate activities such as games, arts and crafts and outdoor play.
- Secured indoor and outdoor premises to protect children.
- Assisted children in development of social, communication and problem-solving skills.
- Developed and implemented lesson plans and activities for children of various ages.
- Organized and planned age-appropriate reading, crafts, and music lessons.
- Sanitized toys and tables to maintain clean, safe environment.
- Cared for children of various ages and assisted with feeding, dressing and daily activities.
- Used positive reinforcement and behavior modeling to instill discipline in children.
- Guided children through engaging and productive activities to foster fun learning environment.
- Prepared meals, snacks and refreshments for children according to dietary needs and restrictions.
- Instructed children on good sanitary habits when washing hands, using bathroom or eating.
- Supported children's emotional and social development, encouraging understanding of others and positive self-concepts.
- Maintained daily records of activities, behaviors, meals, and naps.
- Planned and implemented engaging activities to encourage creativity and expression.
- Communicated with parents about daily activities and any concerning behaviors.
- Instilled discipline and maintained order with children by using simple and commanding directives.
- Communicated daily with children's parents or guardians about daily activities, behaviors and related issues.
- Established and maintained safe, supportive and welcoming environments for children of all backgrounds.
- Communicated with parents or guardians about daily activities, behaviors and upcoming events.
- Taught children how to complete basic crafts such as paintings, drawings and decorations.
- Updated detailed records for each child with information such as daily observations, meals served and medications administered.
- Provided nurturing and appropriate environment for children of various ages.
- Maintained organized and clean classroom and play areas.
- Read stories to children, facilitated discussions and tied books into learning opportunities.
- Identified signs of emotional or developmental problems in children to alert parents or guardians.
- Cared for children in institutional settings.
- Encouraged positive behaviors, including patience with teachers and fellow kids.
- Observed and monitored children's play activities.
- Kept records of daily observations and information about activities, meals served and medications administered.
- Dressed children and changed diapers.
- Maintained safe play environment.
- Instructed children in eating, resting and restroom habits.
- Managed administrative program tasks such as taking attendance, updating logs and tracking supplies.
Education
High School Diploma -
Bosqueville ISD
Waco, TX05-2011
Skills
- Loan documentation
- Credit analysis
- Risk assessment
- Regulatory compliance
- Financial calculations
- Customer communication
- Application verification
- Process optimization
- Team collaboration
- Problem solving
- Report preparation
- Relationship building
- Customer service
- Training and mentoring
- Underwriting
- Banking operations
- Loan processing
- Document verification
- Portfolio management
- Loan origination systems
- Loan origination
- Banking
- Time management abilities
- Cross-selling
- Reliability
- Customer relations
- Document analysis
- Financial history review
- Financial analysis
- Interest Rate Calculation
- Decision-making
- Financial planning expert
- Customer service-focused
- Problem-solving aptitude
- Complete loan applications
- Data entry
- Serve customer needs
- Loan feasibility assessment
- Loan application management
- Problem-solving abilities
- Staff management
- Client relationship building
- Financial analysis aptitude
- Loan structuring
- Underwriting support
- Analytical and critical thinking
- Sales techniques
- Organizational skills
- Client counseling
- Loan packaging
- Effective communication
- Terms definition
- Loan approval
- Multitasking capacity
- Eligibility determination
- Self motivation
- Adaptability and flexibility
- Loan closing
- Continuous improvement
Affiliations
- always have had a strong interest in art from drawing and painting to sewing and pottery
- music is also very relaxing have played guitar and saxophone for over 10 years
- outdoors actives as in fishing, hikes and disc golf
Certification
- notary of the public
- was cpr and first aid certified
- had a tabc license
Timeline
Loan Verification Analyst
Heart O Texas Federal Credit Union
01.2020 - Current
Department Lead
Walmart
02.2015 - 08.2019
Childcare Provider
Think Play Grow Academy
07.2013 - 02.2015
High School Diploma -
Bosqueville ISD
Similar Profiles
Jason McPheeJason McPhee
Assistant Vice President (AVP) of Strategic Partnerships and University Relations at Aggieland Credit Union | Greater Texas Federal Credit UnionAssistant Vice President (AVP) of Strategic Partnerships and University Relations at Aggieland Credit Union | Greater Texas Federal Credit Union
Justin Friedman ViaderJustin Friedman Viader
Sr. Operations Support Specialist at Greater Texas Federal Credit UnionSr. Operations Support Specialist at Greater Texas Federal Credit Union
David ArriolaDavid Arriola
Branch Manager at Greater Texas Federal Credit UnionBranch Manager at Greater Texas Federal Credit Union
Ernesto LopezErnesto Lopez
Office Assistant at R & A Associates, IncOffice Assistant at R & A Associates, Inc
Mercedes VillaMercedes Villa
Volunteer at 40 Days For LifeVolunteer at 40 Days For Life