Kimberly Fair
Lexington,SC
Summary
Highly skilled Loan Specialist with expertise in data review and processing, hardworking professional with 20 years of assisting clients, scheduling payments and reviewing credit histories. Knowledgeable in credit procedures. Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals. Personal goals are to enhance educational and professional skills in a stable and dynamic workplace and/or remote position.
Overview
21
21
years of professional experience
Work History
Loan Specialist
Small Business Administration - Office of Disaster Assistance
08.2020 - 01.2024
- Collected necessary documents from the business applicant to successfully fund their emergency disaster loan
- Maintained accurate records of all customer interactions related to loan processing activities.
- Over the course of the assignment, duties were to review and mitigate suspected fraud and/or application errors as well as correspond with other loan officers to decision applications expeditiously and within guidance
- May 2021 I was added to the Congressional High Priority Applications team to review Congressional inquiries and complaints from the Administrator's office and Legislative Affairs. This process allowed us to contact the borrower, determine the issue and assist with resolving the inquiry. Once a final determination was made, we reported back to the Public Information Officer with the resolution.
- Our team reviewed applications, indicated issues within the application, provided feedback to the borrowers regarding declines or counteroffers, and resolved issues by escalating to department management for review.
- Assisted with the processing of loan modifications when requested and pulling required tax transcripts from IRS.
- Post funding, our team resumed on the High Priority/ Congressional team and resolved inquiries/complaints regarding Hardships, Assumptions, Subordinations and other servicing tasks.
Business Co-Owner
Select Automotive Group
- 08.2020
- I was responsible for day-to-day operations of our family business until my contract with US SBA began
- We managed a crew of 5 over the road drivers and 1 dispatcher
- Managed all accounts receivables and payables (to include 30 day and 15 day pay accounts) payroll, and quarterly taxes, maintained over the road IFTA requirements enforced by SCDOT/SCDMV
- Maintained compliance within organization to uphold FMCSA standards and regulations
- Reported directly under Branch Manager to ensure all goals of other staff members were being met
- Skip Tracing/ Collections of Delinquent loans 30, 60 and 90 days past due
- Maintained indirect lender program and recruited auto dealers and retail stores to offer products as their main source of financing for subprime lending.
Assistant Manager
Lendmark Financial services, a BB&T subsidiary
Columbia , SC
10.2006 - 08.2010
- Collaborated with underwriters in order to ensure timely processing of loan applications.
- Assessed borrower's ability to repay based on debt-to-income ratio calculations.
- Analyzed credit reports to ensure accuracy of reported information before approving loans.
- Resolved customer inquiries promptly and professionally while keeping accurate records.
- Negotiated payment plans with customers to ensure timely repayment of debt.
- Adhered to company policies and applicable laws while collecting debts from customers.
- Contacted customers and explained debt management to encourage timely debt payments.
- Built and rebuilt partnerships with independent automobile dealerships by delivering above-average customer service.
Loan Officer
Palmetto Citizens FCU
West Columbia , SC
12.2002 - 12.2006
- Recommended loan approvals and denials based on customer loan application reviews.
- Approved loan within specified limits or referred to appropriate approval level.
- Delivered high levels of customer service to facilitate smooth processes.
- Answered customer inquiries involving rates, products and loan application status to facilitate quality customer service.
- Developed and maintained relationships with potential customers to increase loan business.
- Reviewed credit histories, income statements, and other financial information of loan applicants.
Education
Some College (No Degree) - Associates in Business ( no degree)
Midlands Technical College
High School Diploma -
Airport High School
Skills
- Loan Approvals
- Effective Communication
- Customer Assistance
- Issue Resolution
- Fraud Detection
- Credit Scoring
- Relationship Building
- Documentation Review
- Problem Solving
- Complaint Handling
- Loan Servicing
- Written Communication
References
References available upon request
Timeline
Loan Specialist
Small Business Administration - Office of Disaster Assistance
08.2020 - 01.2024
Assistant Manager
Lendmark Financial services, a BB&T subsidiary
10.2006 - 08.2010
Loan Officer
Palmetto Citizens FCU
12.2002 - 12.2006
Business Co-Owner
Select Automotive Group
- 08.2020
Some College (No Degree) - Associates in Business ( no degree)
Midlands Technical College
High School Diploma -
Airport High School
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