Kelsie Moses-Cowan
Glens Falls,USA
Summary
Experienced finance professional with strong background in loan evaluation, risk assessment, and credit analysis. Adept at collaborating with teams to achieve objectives and adapt to evolving needs. Reliable in decision-making and skilled in financial modeling, regulatory compliance, and customer relationship management. Known for integrity, analytical thinking, and effective communication.
Overview
12
12
years of professional experience
1
1
Certification
Work History
Small Business Loan Underwriter
Berkshire Bank
11.2020 - Current
- Analyzed potential risks and evaluated loan products to identify suitable options for customers for relationships up to $100,000.
- Negotiated loan terms and conditions with customers to secure best deal
- Participate in weekly calls to help sales team understand products being offered and how to promote them.
- Lead quarterly bank training calls for all new employees needing to be trained in Small Business Lending.
- Upkeep all documentation into company systems to ensure everything is available for internal and external audits to best compliance standards.
- Participated in ongoing professional development opportunities to stay current on best practices within the industry.
- Assisted in developing company-wide underwriting policies, while researching all changing legislation ensuring consistency across multiple locations
- Safeguarded company assets by verifying applicant income sources, employment history, credit reports, and collateral valuation documentation.
- Approved loan applications based on customer creditworthiness and provided detailed financial advice.
Financial Service Representative
Berkshire Bank
08.2020 - 11.2020
- Successfully managed a diverse range of client accounts while maintaining strict adherence to regulatory guidelines.
- Trained and supported 15 sales associates and cross-trained 10 tellers to improve customer satisfaction by 73%.
- Prepare monthly audit, branch records, schedules, and scorecard records.
- Processed customer requests for new accounts including checking, savings, IRA, lending, and other products offered.
- Consistently ranked in top 25 for sales in district of over 563 bankers.
- NMLS # 1083442, used to process home equity products.
- Worked closely with management to strategize sales techniques to increase branch production and customer service.
- Actively participated in networking events within the community and Regional Chamber of Commerce, generating new business leads and increasing overall brand awareness.
Collection Specialist
Wells Fargo Dealer Services
06.2015 - 08.2017
- Negotiated to collect balance in full.
- Worked in call center environment handling manual and automatically dialed outbound calls.
- Trained new employees for all call monitoring, policies, and procedures.
- Kept track of all running delinquency totals and month end numbers using excel based programs.
- Serviced loans by documenting all account information, conversations, and insurance policies.
- Worked together with repossession agents using skip tracing tools to find collateral location.
- Helped customers with impounded vehicles after repossession.
- Cross-Trained with credit division to learn credit analysis.
Assistant Manager
Maurice’s
11.2013 - 06.2015
- In the moment and planned coaching for individual and team success in different areas, i.e. positive gains in credit applications and conversion results.
- Performed various operational tasks, such as processing inventory and payroll.
- Maintained a clean, safe, and organized store environment to enhance the customer experience.
- Monitored cash intake and deposit records, increasing accuracy, and reducing discrepancies.
- Managed transition between store managers while making all company indicators.
- Responsible for networking, recruiting, hiring and training of staff.
- Supervised day-to-day operations to meet performance, quality and service expectations.
Education
Bachelor of Science - Business Administration
Empire State University
Wilton, NY12-2026
Associate Degree - Business Administration
SUNY Adirondack
Queensbury, NY05.2020
Associate Degree - Liberal Arts
SUNY Adirondack
Queensbury, NY05.2010
Regents with Honors -
Queensbury High School
Queensbury, NY05.2008
Skills
- Loan structuring
- Risk evaluation
- Documentation review
- Credit analysis
- Financial assessment
- Underwriting software
- Credit scoring
- Credit decision making
- Teamwork and collaboration
- Time management
- Attention to detail
- Verbal and written communication
Certification
- CNP - Certified Notary Public
- Held NMLS# 1083442
Timeline
Small Business Loan Underwriter
Berkshire Bank
11.2020 - Current
Financial Service Representative
Berkshire Bank
08.2020 - 11.2020
Collection Specialist
Wells Fargo Dealer Services
06.2015 - 08.2017
Assistant Manager
Maurice’s
11.2013 - 06.2015
Associate Degree - Liberal Arts
SUNY Adirondack
Bachelor of Science - Business Administration
Empire State University
Associate Degree - Business Administration
SUNY Adirondack
Regents with Honors -
Queensbury High School
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