Kenisha Darden
Kinston,NC
Summary
Works well independently to handle assignments and always ready to go beyond basics assignments. Quick learner with good computer abilities. Manages activities with good understanding of current and future needs. Dependable worker equipped for fast-paced work and changing daily needs. Seeking an opportunity to go beyond basics, improve processes, and increase customer satisfaction. Prioritize daily tasks. Strong work ethic. Hardworking employee with customer service, multitasking and time management abilities. Devoted to giving every customer a positive and memorable experience.
Overview
14
14
years of professional experience
Work History
Personal Loan Specialist
One Main Financial
Kinston, NC
02.2022 - Current
- Assist customers in the selection of personal loan products that best fit their financial needs.
- Conduct credit analysis and approve or deny loan applications based on credit history, income, and other criteria.
- Perform verification of customer's employment status, income level, debt-to-income ratio, and other factors to ensure compliance with regulatory standards.
- Analyze customer's financial data to determine repayment ability and affordability.
- Prepare loan documents for accuracy prior to closing process.
- Verify client financial information to determine creditworthiness and loan eligibility.
- Advise borrowers on strategies for improving their credit score or reducing debt load prior to applying for a new loan.
- Review existing client accounts regularly to identify potential refinancing opportunities.
- Process payments from delinquent accounts according to established procedures while adhering to federal and state collection guidelines.
- Verify accuracy of all documents before submitting them for approval.
- Provide technical assistance in setting up automated payment systems for customers who wish to pay electronically.
- Listen carefully to customer complaints and swiftly resolved issues by taking appropriate action.
- Inform customers of loan application requirements and deadlines.
- Help customers make decisions about loans and lines of credit based on availability, terms and benefits.
- Approve or deny loan applications and explained reasoning behind decisions.
Rural Carrier Associate
United States Postal Service
Winterville, NC
05.2014 - 02.2022
- Complete the required paperwork and obtain signatures to process registered, certified and insured mail items
- Organize daily routes to manage the efficient delivery of mail and packages to customer residences and business locations
- Assist customers with retrieving mail that's held when they're away from their delivery location
- Properly account for and turned in all monies collected during the mail route
- Collect mail on the daily route, retrieve parcels from homes, businesses and area mailboxes
- Consistently achieve successful time management for the timely collection and return of mail
- Protect businesses from unnecessary liability by carefully following security and safety standards
- Guide visitors to staff members and business locations with a warm and personable approach
- Manage communications between team members, customers and vendors to keep operations efficient and successful
- Assist managers in an effort to improve area operations by sharing customer feedback and contributing new ideas
- Collaborate with team members to carry out daily assignments and achieve team targets
- File records to keep all systems efficient and information organized.
Line Wash/Cashier
Auto Brite
Kinston, NC
09.2011 - 10.2016
- Answered phone calls and directed calls to the appropriate personnel
- Scheduled appointments for car service
- Created time cards for the employees
- Managed the weekly schedule to ensure adequate staffing
- Tracked employees work hours weekly to ensure payroll deadlines were met
- Ordered, organized, and rotated supplies
- Consulted with customers to get feedback to better understand their needs, desires and concerns
- Filed records to keep systems efficient and information organized.
Sales Associate
Rose's
Kinston, NC
02.2010 - 08.2010
- Separated and filed the receipts from layaway and regular sale transactions
- Answered phone calls and directed the calls to the appropriate personnel
- Prepared accurate price quotes and coordinated contracts to complete sales.
Education
High School Diploma -
North Lenoir High School
06.2006
Skills
- Effective communication
- Loan Closing
- Attention to detail
- Multitasking
- Problem-solving
- Manage sorting
- Serve customer needs
- Goal-Oriented
- Collections experience
Timeline
Personal Loan Specialist
One Main Financial
02.2022 - Current
Rural Carrier Associate
United States Postal Service
05.2014 - 02.2022
Line Wash/Cashier
Auto Brite
09.2011 - 10.2016
Sales Associate
Rose's
02.2010 - 08.2010
High School Diploma -
North Lenoir High School
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