Lakeisha Ezell
Atlanta,Georgia
Summary
Strong leader and analytical problem-solver with talents for team building, leading and motivating, as well as excellent customer relations aptitude and relationship-building skills. Proficient in using independent decision-making skills and sound judgment to positively impact company success. Dedicated to applying training, monitoring and morale-building abilities to enhance employee engagement and boost performance.
Overview
24
24
years of professional experience
Work History
Consumer Loan Underwriter
Credit Union Of Atlanta
06.2023 - Current
- Identify and quickly resolve complex customer and loan problems with potential to negatively impacting operations management and business direction.
- Review and assess loan closure documentation to verify accuracy of closure information , including financial statements, credit histories, income reports and other information to make accurate determinations about loan decisions.
- Approves, decline or counter-offer loans up to $50K.
- Track and manage applications workflow, ensuring timely processing and compliance with meeting deadlines.
- Perform data entry and other administrative tasks to keep records and files organized and accurate.
- Communicate with Loan Officers to provide guidance and clarification on loan requirements.
- Maintain confidentiality and security of personal information to protect customer privacy and prevent identity theft.
- Prepare tax and title documents to submit legal transfer work to DMV.
- Keep up to date with state and federal regulations to prevent errors and fraud.
- Boost operational efficiencies and traceability by creating organizational filing systems for loan data, records and other documentation.
Financial Service Officer
Credit Union Of Atlanta
09.2022 - 06.2023
- Handle requests from members for stop payments, transfers, share withdrawals, check requests, line of credit advances, and any other request received from members.
- Assist members with setting up or closing accounts, completing loan applications, and signing up for new services.
- Notifies applicants of loan decisions by phone and requests additional information if required. Explains reasons for denial or counteroffer and explores options for members who are denied or countered.
- Assist members in understanding loan terms and conditions to make informed decisions.
- Maintains orderly loan files with supporting documents, including scanning required documents into system daily.
- Submit loan applications to underwriter for verification and recommendations.
- Identify opportunities to cross-sell and upsell loan products to members.
- Educate members on online banking and mobile banking applications.
- Execute wire transfers, stop payments and account transfers.
- Manage escalated phone calls by applying conflict resolutions skills and extensive knowledge of bank policies, products, and services.
- Process members requests for statements, ordering additional checks, and updating customer personal information in database.
Branch Manager
World Finance
02.2008 - 09.2022
- Recommend loan approvals and denials based on customer creditworthiness.
- Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
- Prepared tax and title documents to submit legal transfer work to DMV.
- Balance accounts receivable, accounts payable records.
- Assessed loan portfolios for compliance with underwriting policies.
- Notify customers by phone and mail of delinquent accounts with attempt to collect outstanding amounts.
- Reconcile and balance cashiers' daily activities, debit card transactions in cash drawers as well as night deposits.
- Handled customer complaints with relative ease by conducting research, listening carefully and taking appropriate action.
- Developed high-performing team through targeted recruitment, training, and performance management initiatives.
Supervisor
Chick-Fil-A
09.1999 - 11.2007
- Applied strong leadership talents and problem-solving skills to maintain team efficiency and organize workflows.
- Developed and implemented standards and procedures that ensured safety of food quality.
- Oversaw job sites and checked for accuracy, quality and to ensure that all project specifications were met.
- Confirmed that appropriate changes were made to resolve customers' problems.
- Opened and closed store, which included counting cash drawers and making bank deposits.
- Generated sales and inventory reports in Excel with data from variety of sources, maintaining 100% accuracy rate.
- Handled customer complaints, resolved issues, and adjusted policies to meet changing needs.
Education
Atlanta Technical College
Atlanta, GASkills
- Account management
- Microsoft Office expertise
- Problem solving
- Adaptability
- Loans
- Communications
- NMLS-Nationwide Multistate Licensing System
- Notary Republic
- Analytical and Critical Thinking
- Title Searches
- Financial History Reviews
- Customer Relationship Development
- Organizational Skills
- Decision Making
- Policy and Procedure Adherence
- Bank Secrecy Act
- Account Collections
- Review Processes
- Credit Application Review
- Debt Ratios
- Strong Telephone Etiquette
- Microsoft Excel
- Word Processing
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Quote
Every problem is a gift—without problems we would not grow.
Tony Robbins
Timeline
Consumer Loan Underwriter
Credit Union Of Atlanta
06.2023 - Current
Financial Service Officer
Credit Union Of Atlanta
09.2022 - 06.2023
Branch Manager
World Finance
02.2008 - 09.2022
Supervisor
Chick-Fil-A
09.1999 - 11.2007
Atlanta Technical College
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