Summary
Overview
Work History
Skills
Certification
Timeline
Generic

ERICA WILD

Baldwinsville,NY

Summary

Results-driven Indirect Lending Manager with extensive experience in overseeing daily operations, leading high-performing teams, and serving as the system administrator for Meridian Link. Adept at streamlining processes, ensuring compliance, and enhancing customer satisfaction through strategic leadership and innovative solutions. Proven track record of driving business growth and operational efficiency in the financial services sector.

Overview

18
18
years of professional experience
1
1
Certification

Work History

Indirect Lending Manager

Empower Federal Credit Union
Syracuse, NY
01.2019 - Current
  • Manage a team of loan officers responsible for originating, underwriting and processing new loans.
  • Negotiate terms and conditions of loans in order to maximize profitability while minimizing risk exposure.
  • Developed, maintained and monitored loan portfolios to ensure compliance with lending policies.
  • Approved underwriting for consumer loans, lines of credit, and home equity.

Outbound Loans Sales Manager

EMPOWER FEDERAL CREDIT UNION
Syracuse, NY
03.2014 - 01.2019
  • Managed a team of seven employees to achieve credit union sales goals through online consumer loan applications, employee group referrals, and various call-out reports including indirect, new member, mortgage, and auto recapture.
  • Maintained relationships with prime industry partners such as auto dealerships and mortgage lenders.
  • Oversaw, recommended, and utilized new methods for applying and closing loans.
  • Coordinated loan training and education, providing consistent guidance for staff.
  • Disbursed loan applications from the consumer loan website, ensuring prompt and efficient correspondence.
  • Evaluated and oversaw existing products and procedures, proposing changes as needed.
  • Interviewed, processed, underwrote, and closed consumer loan products.
  • Coordinated processing needs for lending staff.
  • Maintained adequate coverage in each department and ensured no weekly overtime.
  • Played a key role in project groups to introduce and test new ideas and suggestions.
  • Managed the referral and incentive program for the outbound sales team.
  • Implemented monthly evaluations for staff, providing call coaching and performance feedback.
  • Conducted performance reviews and recommended salary adjustments and promotions.
  • Held an active NMLS number.

Inbound/Outbound Loan Officer

EMPOWER FEDERAL CREDIT UNION
Syracuse, NY
07.2009 - 03.2014
  • Represent lending team through attending Select Employee Group (SEG) visits, creating and sustaining long-lasting relationships with membership
  • Review credit reports, upselling and cross-selling all consumer loan products, including mortgages to members and non members
  • Evaluate, authorize and recommend approval on consumer loan products
  • Underwrite loans within guidelines, all but home equity products
  • Advise borrowers on financial status and provide guidance on ways to improve and establish credit
  • Present creditability seminars to SEGs to provide education on proper ways to build credit, re-build credit and offer insight on appropriate ways to borrow
  • Create long lasting relationships with SEG employees and SEG liaisons
  • Work with the business development team to increase new membership by discussing all of our products and services which will create more opportunity for new loans and future loan growth

Teller

EMPOWER FEDERAL CREDIT UNION
Camillus, NY
07.2006 - 07.2009
  • Ensure prompt, accurate and friendly service to our member's and their financial needs
  • Perform all teller transactions and process ATM envelopes when necessary
  • Order checks, open sub accounts including money markets, close out accounts and set allocations for members accounts
  • Manage opening and closing procedures
  • Print and fax all reports for daily close out
  • Manage lobby and drive-through activity
  • Process no-mails for all branches
  • Cross sell direct deposit, line of credit and Visa Platinum accounts

Licensed Real Estate Agent

Realty USA
Marcellus/Skaneateles, NY
12.2007 - 12.2008
  • Rent, buy, and sell property for clients
  • Perform duties such as study property listings, interview prospective clients, accompany clients to property site, discuss conditions of sale, propose CMA (Comparative Market Analysis), propose mortgage payments including interest and principal as well as taxes, and draw up real estate contracts

Skills

  • Meridian Link
  • Alkami
  • Groovecar
  • Zest
  • Dealertrack
  • Routeone
  • Saveeymoney
  • Nautilus
  • DNA
  • Afg
  • Trustage
  • DocuSign
  • Dayforce

Certification

Certified Credit Union Financial Counselor (CCUFC), 2020

Transitioning from Peer to Supervisor, 2014

Developing U, 2014

Realty USA/Pathway to Success, Licensed Real Estate Agent, 2008

Timeline

Indirect Lending Manager

Empower Federal Credit Union
01.2019 - Current

Outbound Loans Sales Manager

EMPOWER FEDERAL CREDIT UNION
03.2014 - 01.2019

Inbound/Outbound Loan Officer

EMPOWER FEDERAL CREDIT UNION
07.2009 - 03.2014

Licensed Real Estate Agent

Realty USA
12.2007 - 12.2008

Teller

EMPOWER FEDERAL CREDIT UNION
07.2006 - 07.2009
ERICA WILD