Summary
Overview
Work History
Education
Skills
References
Timeline
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Megan Wood

Porterville,California

Summary

Resourceful and experienced Consumer Lending Supervisor seeking new opportunities. In depth knowledge of Consumer Auto Lending on an Indirect and Direct basis, Consumer Loan Underwriting, team management and fulfillment. Over 13 years in the banking industry with a wide array of positions. Passion and desire to serve customers and local community.

Overview

13
13
years of professional experience

Work History

AVP, Consumer Loan Fulfillment Supervisor

Beneficial State Bank
Porterville, CA
03.2023 - Current
  • Extensive understanding of consumer lending regulations, internal policies, and processes. Close communication and collaboration with VP, Consumer Lending when creating department/team goals, and reviewing consumer loan portfolio.
  • Day-to-day support for the fulfillment team (Direct & Indirect Consumer Auto Loan Applications), team management, managing all HR-related matters, all PTO requests/scheduling within the department. Developing, implementing, and communicating any process changes. This includes, but is not limited to, monitoring team performance, handling customer escalations, development, leading, and providing training for new systems. Maintaining exceptional customer skills and best practices.
  • Direct support to VP, Consumer Lending, ability to step in and collaborate/assist with assignments if within scope of ability. For context, assignments related to compliance, involvement in rate changes/program guide updates, audit requests, Dealer Relations, procedure writing, managing internal and external relationships, visits to Indirect Refinance partners, attendance of conferences/seminars, and HR-related matters.
  • Collaboration with marketing and the local community for any volunteer opportunities for the Porterville location (roughly over 56 employees, who can use bank-provided volunteer time on an annual basis). Additionally, organize any department events (e.g., seasonal dinners or celebrations). Responsible for planning, contacting vendors, collecting raffle items, etc.

Indirect Refinance Supervisor

Beneficial State Bank
Porterville, California
01.2021 - 02.2023
  • Managed Indirect Refinance relationships, onboarded new Indirect Refinance partners, met on a monthly basis to review monthly funding totals and SLA times. Primarily responsible for any and all escalation items regarding customer experiences, funding and underwriting exceptions, post loan maintenance related to DMV/Titling.
  • Comprehensive understanding of the customer experience during the refinance process. Exceptionally familiar with program guide, Underwriting guidelines, various forms of income/income calculations, CIP documents, Proof of Residence, and mitigating fraud by way of thorough review of customer documents. Thorough understanding of loan documents. (Promissory note, credit application, explanation of back-end products, fees, etc.).
  • Team management, hiring, and onboarding new employees experienced monumental growth and funding volumes in 2021/2022 due to program changes and the economic environment. Ability to work through and manage team during increased volume periods.

Branch Operations Manager

Beneficial State Bank/Pan American Bank
Porterville, CA
06.2016 - 06.2020
  • Managed the Porterville branch location from 2018-2020. Previous to that, travelled the Central Valley at various locations to provide support when staffing was unavailable. Assisted in the oversight of daily branch operations, new account openings, opening and closing procedures, cash and vault balancing, negotiable items, and audits.
  • Participated in community events and CRA volunteer opportunities.
  • Actively engaged with customers to help achieve financial needs, opening of DDA/Savings, CDs. In-branch submission of consumer loan applications, explanation of decision to customers, and processed loan applications accordingly.

Consumer Loan Processor

Finance & Thrift/Pan American Bank/BSB
Porterville, CA
11.2011 - 06.2016
  • Reviewed loan applications, credit reports and related documents to determine eligibility for consumer loans.
  • Verified customer identity and collected required documentation prior to approving loan application.
  • Provided excellent customer service while resolving any issues that arose during the course of processing a loan.
  • Provided guidance and assistance to less experienced team members when needed.
  • Communicated with customers and auto dealers via telephone to answer questions, process transactions and resolve issues.

Education

High School Diploma -

Monache High School
Porterville, CA
06-2010

Skills

  • Experience with various software systems (CUDL/Origence, Meridian Link) Microsoft Teams, Outlook, Excel
  • Team Management
  • Extensive experience in Indirect/Direct Consumer Auto Lending
  • Loyalty, honesty and integrity
  • Exceptional customer service skills
  • Exceeding communication skills with internal and external partners
  • Willingness to learn, flexibile and eager to help others

References

References available upon request.

Timeline

AVP, Consumer Loan Fulfillment Supervisor

Beneficial State Bank
03.2023 - Current

Indirect Refinance Supervisor

Beneficial State Bank
01.2021 - 02.2023

Branch Operations Manager

Beneficial State Bank/Pan American Bank
06.2016 - 06.2020

Consumer Loan Processor

Finance & Thrift/Pan American Bank/BSB
11.2011 - 06.2016

High School Diploma -

Monache High School

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Megan Wood