Michele Welchans
Loan Officer
Essex,IA
Summary
Experienced Loan Officer adept at assessing customer needs, providing suitable products and guiding customers through loan process. Handles complex financial transactions using in-depth knowledge of loan products, services and lending regulations. Demonstrating strong interpersonal skills and exceptional service throughout the lending process.
Overview
13
13
years of professional experience
Work History
Financial Services Representative
Community 1st Credit Union
12.2022 - Current
- Developed strong relationships with customers through high levels of customer service.
- Assisted customers in understanding loan terms and conditions to make informed decisions.
- Originated, reviewed, processed, closed, and administered customer loan proposals.
- Submitted loan applications to underwriter for verification and recommendations.
- Maintained strict confidentiality of bank records and client information.
- Negotiated loan terms to provide favorable outcomes for both customers and lenders.
- Monitored pipelines to track and log status of loans.
- Approved loan applications based on customer creditworthiness and provided detailed financial advice.
- Evaluated loan requests and documents to verify accuracy and completeness.
- Processed loan applications and monitored progress from start to finish.
Teller
Hometown Credit Union
12.2019 - 12.2021
- Balanced cash drawer daily and resolved discrepancies to provide accurate data regarding cash flow.
- Answered customer inquiries regarding account balances, transaction history, services charges, and interest rates.
- Processed customer transactions promptly, minimizing wait times.
- Disbursed cash and checks accurately while maintaining security of cash drawers.
- Maintained in-depth knowledge of bank products and services to provide appropriate recommendations to customers.
- Completed highly accurate, high-volume money counts via both manual and machine-driven approaches.
- Assisted with training of new tellers on policies and procedures.
- Maintained friendly and professional customer interactions.
- Assisted customers with banking needs and inquiries.
- Handled various accounting transactions.
Office Manager
WHITTA, LLC
09.2016 - 01.2021
- Prepared and reviewed federal and state income tax returns in accordance with applicable tax laws.
- Researched and analyzed tax developments and applications to specific business situations.
- Oversaw office inventory activities by ordering and requisitions and stocking and shipment receiving.
- Assisted in managing audits of federal and state income tax and state and local filings.
- Prepared related tax disclosures for statutory or GAAP financial statements and miscellaneous state and local tax filings.
- Hired, managed, developed and trained staff, established and monitored goals, conducted performance reviews and administered salaries for staff.
- Completed bi-weekly payroll for [Number] employees.
Senior Set Up Operator
NSK-AKS Precision Ball Company
05.2011 - 09.2016
- Maintained organized work area by cleaning and removing hazards.
- Made sure that products were produced on time and are of good quality.
- Met production targets and tight deadlines by collaborating closely with team members.
- Used problem-solving and issue-resolution skills to promptly and successfully address production problems.
- Trained new production staff members on safe and efficient production procedures and proper machine operations.
- Inspected products and machines to maintain quality and efficiency.
- Adjusted machines to increase productivity for runs.
- Calibrated machines to maintain required productivity levels and adherence to quality standards.
- Performed general equipment maintenance and repair to minimize downtime.
- Investigated processing errors and malfunctions, resolving issues with minor machine repairs.
- Prepared reports and technical documentation of day-to-day production processes.
- Inspected finished products for quality and adherence to customer specifications.
- Examined incoming materials and compared to documentation for accuracy and quality.
Education
Associate of Science - Business Administration
Colorado Technical University
Colorado Springs, CO04.2020
Bachelor of Science - Accounting
Colorado Technical University
Colorado Springs, CO12.2021
Skills
- Life Insurance
- Loan Applications
- Teller Transactions
- Financial Product Sales
- Financial Services
Timeline
Financial Services Representative
Community 1st Credit Union
12.2022 - Current
Teller
Hometown Credit Union
12.2019 - 12.2021
Office Manager
WHITTA, LLC
09.2016 - 01.2021
Senior Set Up Operator
NSK-AKS Precision Ball Company
05.2011 - 09.2016
Associate of Science - Business Administration
Colorado Technical University
Bachelor of Science - Accounting
Colorado Technical University
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