Patrice Schneider
Lebanon,IN
Summary
Self-motivated professional highly proficient in developing creative solutions and implementing objective decision making. Maintains positive attitude and works hard to build team relationships.
Overview
37
37
years of professional experience
Work History
Loan Officer
Natco Credit Union
Richmond, IN
11.2023 - 09.2024
- Developed and implemented consumer loan products to meet customer needs.
- Analyzed financial statements, credit reports, and other documents to assess borrower's creditworthiness.
- Established relationships with borrowers, lenders, and third parties involved in the loan process.
- Participated in professional development activities such as conferences, seminars, webinars.
- Assisted borrowers in completing loan applications accurately and completely.
- Counseled clients on budgeting techniques that would help them manage their debt more effectively.
- Implemented strategies designed to reduce delinquency rates among existing customers.
- Answered customer inquiries involving rates, products and loan application status to facilitate quality customer service.
- Recommended loan approvals and denials based on customer loan application reviews.
- Prepared and reviewed loan agreements to confirm completeness and accuracy.
- Obtained and compiled copies of loan applicants' credit histories, corporate financial statements and other financial information to update credit and loan files.
- Delivered high levels of customer service to facilitate smooth processes.
- Managed pipeline for originated loans through closing and complete required documentation .
- Verified client financial information to determine creditworthiness and loan eligibility.
Branch Manager
Natco Credit Union
Richmond, IN
10.2013 - 11.2023
- Directed daily operations of the branch, including customer service, sales and marketing activities.
- Developed strategies to increase customer satisfaction and loyalty.
- Managed staff scheduling, hiring and training processes.
- Conducted regular performance reviews for all employees in the branch.
- Provided guidance and support to team members regarding problem resolution and customer service issues.
- Resolved escalated customer complaints in a timely manner.
- Ensured compliance with established policies, procedures and regulations governing banking operations.
- Participated in community events to promote brand awareness.
- Identified opportunities for process improvement initiatives within the branch.
- Assisted other branches when needed during peak periods or special projects.
- Facilitated weekly meetings with staff members to discuss progress on current initiatives.
- Organized professional development programs for employees at all levels of the organization.
- Performed regular audits of financial records in order to ensure accuracy.
- Managed and inspired team members to perform to full potential, driving branch profitability.
- Verified cash by balancing cash drawers and maintaining cash count records.
- Worked cross-functionally to plan and establish branch goals, supporting strategic objectives.
- Complied with company policies and government regulations to prevent and detect rule violations and protect organization from fines and lawsuits.
Loan Officer
Natco Credit Union
Richmond, IN
05.2006 - 10.2013
- Developed and maintained relationships with potential customers to increase loan business.
- Reviewed credit histories, income statements, and other financial information of loan applicants.
- Counseled clients on debt management and repayment plans.
- Approved or denied loan applications based on established guidelines or referred to appropriate approval level.
- Interacted with underwriters, appraisers, title companies. during the processing of a loan application.
- Provided customer service support throughout the entire process from application through closing.
- Met with applicants to obtain information for loan applications and answer questions about process.
- Reviewed loan agreements to confirm completeness and accuracy.
- Tracked and managed new leads and followed up on referral business.
Member Service Representative
Natco Credit Union
Richmond, IN
02.2006 - 05.2006
- Greeted customers in a friendly and professional manner.
- Assisted with the opening of new accounts and processed account maintenance requests.
- Answered incoming calls regarding membership benefits and services.
- Adhered to all applicable policies, procedures, regulations, and laws.
- Performed cash handling duties such as deposits and withdrawals for members' accounts.
- Enhanced member relationships by providing excellent service during each interaction.
Loan Processor
First Merchants Bank
Liberty, IN
08.1999 - 10.2001
- Performed detailed calculations to verify income, assets, liabilities and other data provided by applicants.
- Prepared loan documents including promissory notes, deeds of trust, mortgage insurance policies and truth-in-lending statements.
- Collaborated with underwriters to resolve any discrepancies in applicant's financial profile or documentation issues.
- Compiled closing packages containing all necessary documents required for funding.
- Verified accuracy of closing figures prior to disbursement of funds.
- Monitored progress of each loan application from start to finish ensuring timely completion.
- Processed escrow accounts for taxes and insurance policies renewal.
Title Clerk
First Merchants
Liberty, IN
01.1999 - 10.2000
- Verified accuracy of title documents for completeness and correctness.
- Processed applications for new titles, transfers and duplicate titles.
- Maintained records of all transactions in a computer database.
- Followed up on any outstanding liens or other issues preventing issuance of title.
- Investigated lost or missing title requests.
- Managed and filed paperwork to transfer vehicle ownership title from dealer to purchaser for new, used and wholesale sales.
Assistant Front End Manager
Kroger Inc
Connersville, IN
03.1991 - 07.1998
- Supervised cashiers and other staff at the front end of the store.
- Monitored volume of customers and asked for assistance from available staff as needed.
- Completed financial reports daily.
- Processed time cards for the store.
- Maintained cash drawers.
- Maintained cash and deposits as needed for store function and operation.
Cashier
Kroger Inc
Connersville, IN
08.1987 - 03.1991
Education
High School Diploma -
Connersville Sr High School
Connersville, IN06-1987
Indiana Credit Union League
Indianapolis, INSkills
- Financial Counseling Certification
- Notary Public, Indiana
- Credit analysis
- Documentation Review
- Risk evaluation
- Underwriting knowledge
- Customer service-focused
- Excellent communicator
- Excellent time management
- Cash handling expert
- Sales expertise
- Interviewing and Hiring
- Coaching and Mentoring
- Relationship building and management
- Excels in team leadership
- Employee Development
- Performance Reviews
- Decision-Making
- Conflict Resolution and de-escalation skills
- Dependable
- Excellent work ethic
- Proficient in MS Office
- Detail oriented
Timeline
Loan Officer
Natco Credit Union
11.2023 - 09.2024
Branch Manager
Natco Credit Union
10.2013 - 11.2023
Loan Officer
Natco Credit Union
05.2006 - 10.2013
Member Service Representative
Natco Credit Union
02.2006 - 05.2006
Loan Processor
First Merchants Bank
08.1999 - 10.2001
Title Clerk
First Merchants
01.1999 - 10.2000
Assistant Front End Manager
Kroger Inc
03.1991 - 07.1998
Cashier
Kroger Inc
08.1987 - 03.1991
High School Diploma -
Connersville Sr High School
Indiana Credit Union League
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