Lacey Lagerquist
Williston
Summary
Dynamic individual with hands-on experience in Consumer Lending and talent for navigating challenges. Brings strong problem-solving skills and proactive approach to new tasks. Known for adaptability, creativity, and results-oriented mindset. Committed to making meaningful contributions and advancing organizational goals.
Overview
2026
2026
years of professional experience
1
1
Certification
Work History
Consumer Loan Officer/Collector
American State Bank & Trust
03.2020 - Current
- Reviewed applications to determine approval, denial, or condition
- Maintained strict confidentiality of bank records and customer information.
- Meet with customers to discuss options, terms, and rates
- Pull credit reports from Experian and review credit report
- Title work for new vehicle loans
- File small claims judgments
- Charge off delinquent loans
- Repossessions and Repo Sales
- Filing Skip Trace Claims
- Weekly correspondence letters
Consumer Loan Processor
American State Bank & Trust
2016 - 2019
- Prepared documents for underwriting by verifying client income, credit reports, and other collateral information.
- Processed loans within Consumer Department
- Reviewed loan files for completeness, identified missing documentation, and generated condition lists for applicants.
- Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
- Worked with Motor Vehicle on obtaining new titles, and adding lienholder information
- Monthly dealership reports
- Stayed up to date on loan regulation changes, processing loan applications in compliance with current laws.
- Corroborated on-time payments and meeting of loan terms by assessing customer accounts.
Consumer Loan Assistant
American State Bank & Trust
07.2013 - 2015
- Communicated with customers daily to request information and complete paperwork.
- Processed and tracked all collateral insurance
- Prepared customer documentation for loan officer
- Monthly reports for Chief Lender and bank insurance
- Interviewed loan applicants to obtain personal and financial data to assist in completing applications.
- Loan inquiries via phone
- ACH originations
Head Teller
American State Bank & Trust
06.2011 - 2013
- Completed highly accurate, high-volume money counts via both manual and machine-driven approaches.
- Replenished ATM funds in empty canisters prior to validation process.
- Received car loan, home loan, and other payments and posted to accounts.
- Verified amount of cash in cash drawer against day's receipts, quickly identifying errors.
- Answered inquiries regarding checking and savings accounts and other related products.
Education
High School Diploma -
Williston High School
WillistonSkills
- Client relations
- Loan application management
- Consumer lending
- Customer service-focused
- Documentation review
- Loan origination
- Risk evaluation
- Underwriting
- Credit analysis
- Terms negotiation
- Loans
- Excellent communicator
Certification
- ND Consumer Credit Insurance License - July 2023
Timeline
Consumer Loan Officer/Collector
American State Bank & Trust
03.2020 - Current
Consumer Loan Assistant
American State Bank & Trust
07.2013 - 2015
Head Teller
American State Bank & Trust
06.2011 - 2013
Consumer Loan Processor
American State Bank & Trust
2016 - 2019
High School Diploma -
Williston High School