Niccole Beckwith
Cabot
Summary
Financial services professional with 22+ years of credit union and banking experience, including 5+ years managing teams of up to 25 consultants. Skilled in consumer and dealer loan underwriting, dealer development, regulatory compliance, and staff leadership. Proven ability to implement new systems, streamline workflows, and balance risk and reward in lending decisions. Recognized for driving measurable growth, improving efficiency, and building trusted relationships with dealers and members.
Overview
17
17
years of professional experience
Work History
Dealer Development Representative (Remote)
Fifth Third Bank
01.2023 - Current
- Build and maintain strong relationships with automobile dealers to drive loan origination.
- Promote Fifth Third Bank’s lending products and services to expand dealer utilization and revenue growth.
- Provide training, support, and guidance to dealer partners to ensure smooth loan processes and compliance.
- Collaborate with internal underwriting and lending teams to ensure timely loan decisions and dealer satisfaction.
Hybrid/Duo Underwriter
Arkansas Federal Credit Union
01.2020 - 12.2022
- Pioneered a hybrid underwriting program, saving staffing costs and proving operational viability.
- Supported both dealer and consumer underwriting departments, ensuring seamless operations.
- Reduced underwriting turnaround time through workflow optimization.
- Partnered with management to balance risk and reward in lending decisions.
- Assisted in training new underwriters on hybrid processes.
Contact Center Consultant III
Arkansas Federal Credit Union
04.2019 - 01.2020
- Assisted members with transactions and loan applications, achieving a high member satisfaction rating.
- Ensured compliance with Fair Lending and federal regulations, reducing audit exceptions.
- Provided coaching to junior consultants on compliance and customer service.
Contact Center Team Leader
Arkansas Federal Credit Union
06.2017 - 04.2019
- Led a team of consultants, improving productivity through queue restructuring.
- Resolved escalated member issues, reducing complaint volume.
- Trained staff on new products and procedures, increasing cross-sell success rates.
- Conducted performance reviews and promoted multiple team members into advanced roles.
Core Team Member (System Implementation)
Arkansas Federal Credit Union
02.2016 - 06.2017
- Selected for a 4-person team to implement a new core operating system (DNA).
- Directed a sub-team of 5–10 employees, streamlining forms and processes for efficiency.
- Partnered with vendors to successfully integrate third-party products, reducing system errors.
Member Service Center Team Leader
Arkansas Federal Credit Union
09.2013 - 02.2016
- Managed workflow and productivity for a team of 5–7 consultants, exceeding service goals.
- Conducted annual performance reviews, leading to multiple promotions within the team.
Member Service Consultant
Arkansas Federal Credit Union
08.2010 - 09.2013
- Assisted members with account openings, loan applications, and financial transactions.
- Delivered consistent member service excellence, earning recognition for accuracy and efficiency.
Call Center Loan Officer
Arkansas Federal Credit Union
10.2008 - 08.2010
- Originated consumer loans via call center operations.
- Ensured compliance with lending regulations and internal policies.
Education
Associate of Science - Medical Laboratory Technology
Indiana University
Gary, INSkills
- Loan Portfolio Growth & Risk Management
- Dealer Network Expansion
- Team Leadership & Development
- Operational Efficiency Improvements
- Regulatory Compliance & Audit Readiness
- System Implementation & Process Innovation
- Member & Dealer Satisfaction
- Dependability
- Excellent customer service
- Multitasking
- Problem-solving
Accomplishments
- Expanded and strengthened relationships with automobile dealers, increasing loan origination volume and dealer satisfaction.
- Pioneered and validated a hybrid underwriting program, saving staffing costs and improving operational flexibility.
- Selected for a 4-person core team to implement the DNA operating system, directing a sub-team of 5–10 employees and integrating third-party vendor products.
- Managed and coached teams of up to 25 consultants, improving productivity, reducing escalations, and promoting multiple team members into advanced roles.
- Streamlined underwriting and call center workflows, reducing turnaround times and enhancing member satisfaction.
- Ensured adherence to Fair Lending, HMDA, TILA, UCC, and credit union policies, minimizing audit exceptions and regulatory risk.
Timeline
Dealer Development Representative (Remote)
Fifth Third Bank
01.2023 - Current
Hybrid/Duo Underwriter
Arkansas Federal Credit Union
01.2020 - 12.2022
Contact Center Consultant III
Arkansas Federal Credit Union
04.2019 - 01.2020
Contact Center Team Leader
Arkansas Federal Credit Union
06.2017 - 04.2019
Core Team Member (System Implementation)
Arkansas Federal Credit Union
02.2016 - 06.2017
Member Service Center Team Leader
Arkansas Federal Credit Union
09.2013 - 02.2016
Member Service Consultant
Arkansas Federal Credit Union
08.2010 - 09.2013
Call Center Loan Officer
Arkansas Federal Credit Union
10.2008 - 08.2010
Associate of Science - Medical Laboratory Technology
Indiana University