Overview
Work History
Education
Timeline
OfficeManager
Kimberly Graves

Kimberly Graves

Loan Administration Specialist
Kernersville,NC

Overview

7
7
years of professional experience

Work History

Loan Administration Specialist

Summit Credit Union
Greensboro , NC
08.2022 - Current


  • Documents receipt of title and files accordingly. Works closely with lending staff to ensure that all DMV documents are correct.


  • Releases titles timely and appropriately as loan are paid in full.


  • File claims and follows up (with member and vendor as needed) regarding status of credit life claims, disability claims, GAP/warranty claims, and total loss claims .
  • Orders real estate appraisals upon request, places received appraisals in appropriate location, and notifies appropriate loan officer.
  • Escalates irresolvable issues/accounts quickly to department manager.

Lending Specialist

Summit Credit Union
Greensboro , NC
02.2019 - 08.2022
  • Ability to read and understand credit reports.
  • Analyzes the applicant’s credit report with the philosophy of “Selling is Telling “ and cross sells where appropriate.
  • Addresses all Red Flags.
  • Gathers background information on loan applicants by interviewing applicants via telephone or internet in order to complete the application process for loan decisions.
  • Completes all online and alternate channel applications and call applicants via telephone to complete the application.
  • Interviews loan applicants for consumer loans with ability to follow through to closing.
  • Pulls credit reports on all members who do not have current credit report on file.
  • Verifies all debts, lists any debts with monthly payments that are not listed on credit report.
  • Reviews total debt to income ratio, secured debt ratio, unsecured debt ratio, and disposable income for all loan applicants, checking for affordability.
  • Determines collateral needs and payment term for members applying for loans.
  • Analyzes credit report for cross sell opportunities.
  • Verifies employment and income as directed by Summit’s Loan Policy.
  • Ensures all loans are processed accurately, with proper paperwork according to loan type including all consumer and home equities.
  • Delivers reasons for denial, and exploring and explaining options using “Selling is Telling “for members when loans are denied counseling members on how to get an approval in the future.
  • Completes loan documents and performs disbursements for members that cannot close in a branch or for a loan officer who approved the loan but may not disburse. Able to successfully close loans using DocuSign.
  • Assist employees in other departments with lending questions.
  • Exhibits awareness and reacts appropriately to loan volume levels, incoming phone calls and emails to achieve and maintain service level standards.
  • Facilitates closing loans by following up on own loan queue in a timely manner.
  • Provides exceptional direct member service to members via phone, email and written correspondence.





Member Service Representative

Summit Credit Union
Greensboro , NC
01.2016 - 02.2019
  • Fast and accurately processes new account and loan requests.
  • Opens and explains accounts using clearly defined guidelines.
  • Takes and processes loan applications using the “Selling is Telling “ in order to provide the best solution for the individual member.
  • Completes adverse action form when accounts/services cannot be provided.
  • Orders checks and Visa debit cards or produces in the office when necessary.
  • Understands Individual Retirement (IRA) in order to open and perform minor transactions.
  • Assists the call center and oversees member service responsibilities.
  • Logs into the call center and oversees member service responsibilities.
  • Logs into call center regularly to minimize the wait queue during peak need in order to meet goals set forth by management.
  • Maintains positive, friendly attitude while controlling the conversation.
  • Provides fast, accurate information.
  • Assists the Member Service Call Center at the direction of the Branch Manager and maintains control of conversation to ensure member satisfaction and company performance measures are achieved.
  • Analyzes and resolves problem situations or offers other options.
  • Researches member requests for information.

Education

Health Care Administration -

University of Phoenix
Tempe, AZ
11.2013

Timeline

Loan Administration Specialist

Summit Credit Union
08.2022 - Current

Lending Specialist

Summit Credit Union
02.2019 - 08.2022

Member Service Representative

Summit Credit Union
01.2016 - 02.2019

Health Care Administration -

University of Phoenix

Similar Profiles

CREATE PROFILE
Kimberly GravesLoan Administration Specialist