Summary
Overview
Work History
Skills
Accomplishments
Timeline
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Nicole McKay

Seattle,WA

Summary

Highly skilled lending professional with a diverse background at BECU, excelling in credit scoring and analysis and fostered teamwork and collaboration, with over 15 years of lending experience. Achieved high member and teammate satisfaction by resolving complaints efficiently and maintaining strong relationships, leading to significant retention rates. Skilled in documentation review, critical thinking and effective communication. Knowledgeable in all credit procedures.

Overview

13
13
years of professional experience

Work History

Business Services Lending Specialist

BECU
07.2017 - Current
  • Process Scored Business credit applications under $50,000 from origination, underwriting, processing and funding; ensuring accuracy and attention to detail throughout the entire process, keeping in line with Scored guidelines.
  • Assist in underwriting credit decisions for Visas and Line of Credits up to $25,000, and providing sound credit recommendations to Credit Risk when needed.
  • Assert effective communication with team members, frontline staff and Business Specialists to ensure loans are funded in a timely and accurate manner.
  • Assist with creating and implementing effective process improvements for Scored lending, resulting in a reduction of loan turn times by 2 days and a more effective procedure for Visa fraud.
  • Use strong problem solving skills and servicing to resolve member-related issues and complaints.
  • Point of contact for Scored Team inquiries through emails, meetings and trainings.

Portfolio Management Support Specialist

BECU
01.2015 - 06.2017
  • Processed deposit and loan charge-offs with high level accuracy and minimal errors.
  • Processed and managed force placed insurance on collateralized loans.
  • Worked with third party insurance companies to obtain proper insurance requirements on collateralized loans, to limit risk to BECU.
  • Processed GAP, Dealer Warranty and insurance payments to loans.

Lending Specialist

Waterfront Federal Credit Union
07.2014 - 01.2015
  • Assisted members in selecting appropriate loan products based on their financial needs and goals.
  • Collaborated with underwriters to expedite approvals for qualified applicants, increasing efficiency of approval processes.
  • Originated, reviewed, processed, closed, and administered member loan proposals.
  • Communicated acceptance or rejection to applicants via mail, email, telephone or personal consultations.

Member Lending Solutions Specialist

BECU
01.2012 - 07.2014
  • Originate consumer loan applications for members, based on their financial needs.
  • Create accurate and complete applications in order for members to get the best credit decision possible.
  • Identified opportunities for upselling additional products, resulting in increased revenue for BECU.
  • Enhanced loan application approval rates by conducting thorough credit analyses and evaluating borrower's financial status.
  • Achieved higher loan approval ratings through effective collaboration with cross-functional teams such as underwriters, processors, and closers.
  • Provide members with application status, approval and declines.

Skills

  • Credit Scoring and Analysis
  • Documentation Review
  • Teamwork and Collaboration
  • Attention to Detail
  • Problem Resolution
  • Effective Communication

Accomplishments

    BECU Member Hero Recipient in 2016, 2022 and 2023.

Timeline

Business Services Lending Specialist

BECU
07.2017 - Current

Portfolio Management Support Specialist

BECU
01.2015 - 06.2017

Lending Specialist

Waterfront Federal Credit Union
07.2014 - 01.2015

Member Lending Solutions Specialist

BECU
01.2012 - 07.2014

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Nicole McKay