Kimberly Whaley
Deep Run,NC
Summary
Experienced Federal Farm Loan Specialist with a proven track record of providing financial services to clients while managing complex loan transactions. Possesses deep understanding of credit analysis, loan origination and closing. Experienced in all aspects of loan making from accepting customer applications to closing loans, also experienced in loan servicing. Over 13 years of loan making and servicing experience. Also experienced in all aspects of Human Resources with over 11 years of working knowledge. Dedicated employee with over 24 years of employment with the United States Department of Agriculture.
Overview
25
25
years of professional experience
Work History
Loan Specialist
United States Department Of Agriculture-Farm Service Agency
2010.12 - 2023.09
- Processed and approved loan applications based on customer creditworthiness, historical financial data for farm operations, historical crop data for operations and projected operating plans.
- Assisted customers in completion of their loan application packages.
- Maintained strict confidentiality of government records and client information.
- Observed regulatory, compliance and security policies and procedures to keep data as safe as possible from breaches.
- Enhanced customer satisfaction levels with clear communication and timely follow-ups on loan applications.
- Monitored performance of existing loan portfolios to identify and address any issues.
- Assisted clients with improving financial health by counseling on issues such as excessive spending and borrowing.
- Originated, reviewed, processed, closed, and administered customer loan packages.
- Managed diverse portfolio of farm loans, balancing risk management with excellent customer service delivery.
- Proactively identified solutions for customers experiencing credit issues.
- Developed and maintained relationships with customers, lenders and other third parties.
- Provided credit counseling to customers as needed and assisting with solutions for issues negatively impacting their credit.
- Assisted customers with accurately completing loan applications and other required documents such as Balance Sheets and Income and Expense Statements.
- Processed loan applications and monitored progress from start to finish.
- Identified problem areas within loan portfolio, analyzed risks and suggested appropriate solutions.
- .Completed loan closing packages for various types of farm loans including real estate loans.
- Demonstrated respect, friendliness and willingness to help wherever needed.
- Gained extensive knowledge in data entry, analysis and reporting using various software.
- Learned and adapted quickly to new technology and software applications.
- Organized and detail-oriented with strong work ethic.
- Ensured timely completion of final loan packages by coordinating efforts between various departments throughout approval process.
- Contacted customers via mail, telephone and email to relay acceptance or rejection of applications.
- Prepared loan documents and explained terms to clarify loan conditions and requirements with applicants.
- Interviewed loan applicants to obtain personal and financial data to assist in completing applications.
- Managed technical documentation flow of engineering, project management, and construction activities.
- Demonstrated high level of initiative and creativity while tackling difficult tasks.
- Maintained strong working knowledge of federal regulations, staying up to date on program rules and regulations.
- Calculated debt-to-income ratios to determine maximum loan amounts and avoid overextending applicants.
- Calculated, reviewed and corrected errors on interest, principal and closing costs.
- Stayed current on Federal Regulations and Agency Policy in regard to all aspects of Farm Loan Programs.
- Knowledgeable in multiple aspects of Agriculture such as crop management from planting to harvest, types of equipment used for various applications, equipment appraisals, farm real estate appraisals, yield projections, analyzing tax records, marketing of agriculture commodities, crop reporting and insurance regulations
Program Technician
United States Department Of Agriculture-Farm Service Agency
1999.03 - 2010.12
- Managed payroll processing and benefits to compensate employees for service rendered.
- Maintained employee privacy and protected payroll operations by keeping all information confidential.
- Performed data entry tasks and maintained accurate records of employee payroll information.
- Reviewed personnel records to determine names, rates of pay, occupations of new hires and changes in wage rates.
- Updated employee files with new details such as changes in address or salary levels.
- Conducted regular internal audits of payroll records to identify discrepancies or irregularities, swiftly addressing any issues uncovered through these investigations.
- Completed payroll accurately and timely to meet employee expectations.
- Assisted employees in resolving discrepancies related to paychecks or deductions, fostering positive relationship between HR department and staff members.
- Maintained thorough documentation of all payroll-related transactions, ensuring well-organized system for easy reference during audits or reviews.
- Ensured accurate and timely payroll processing for employees on bi-weekly basis, maintaining strict adherence to deadlines and regulations.
- Reconciled payroll discrepancies and responded to inquiries from employees.
- Maintained personnel records and statistical data to establish accuracy and compliance with applicable regulations.
- Assisted with recruitment and onboarding of new employees.
- Calculated wages, deductions and bonuses in accordance with government policies.
- Responded to employee questions and requests for information in timely and knowledgeable fashion.
- Managed and updated employee benefits information.
- Processed manual checks for employees in accordance with policies.
- Maintained confidentiality of employee records and payroll information.
- Paid attention to detail while completing assignments.
- Proven ability to learn quickly and adapt to new situations.
- Participated in team projects, demonstrating ability to work collaboratively and effectively.
- Served as county office expert in various government programs offered to customers such as Disaster Programs and Price Support Programs.
- Assisted customers with farm program applications.
- Trained other county office employees on various programs as new programs were developed or updated under various farm bills.
- Developed and distributed county office newsletters to all customers via mail and email.
- Served as county office Human Resource contact and was liaison between local area office and state and national offices.
- Served as acting County Executive Director in their absence which included managing all office employees.
Education
Associate of Applied Science - Criminal Justice
Coastal Carolina Community College
Jacksonville, NC05.1998
High School Diploma -
East Duplin High School
Beulaville, NC06.1995
Skills
- Adaptability and Flexibility
- Reliability
- Multitasking
- Customer service-focused
Timeline
Loan Specialist
United States Department Of Agriculture-Farm Service Agency
2010.12 - 2023.09
Program Technician
United States Department Of Agriculture-Farm Service Agency
1999.03 - 2010.12
Associate of Applied Science - Criminal Justice
Coastal Carolina Community College
High School Diploma -
East Duplin High School
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