Rachel McKnight
Beaumont,TX
Summary
Proven track record in enhancing customer satisfaction and streamlining loan processes at OneMain Financial. Expert in loan closing and processing, coupled with exceptional interpersonal skills, led to significant improvements in operational efficiency. Demonstrated ability in team building and problem-solving, achieving goals with reliability and performance tracking. Detail-oriented individual with exceptional communication and project management skills. Proven ability to handle multiple tasks effectively and efficiently in fast-paced environments. Recognized for taking proactive approach to identifying and addressing issues, with focus on optimizing processes and supporting team objectives. Equipped with strong problem-solving abilities, willingness to learn, and excellent communication skills. Poised to contribute to team success and achieve positive results. Ready to tackle new challenges and advance organizational objectives with dedication and enthusiasm.
Overview
11
11
years of professional experience
Work History
Personal Loan Specialist
OneMain Financial
08.2024 - Current
- Analyzed potential risks and evaluated loan products to identify suitable options for customers.
- Negotiated loan terms and conditions with customers to secure best deal.
- Assisted customers with completing loan applications and other paperwork.
- Identified opportunities to cross-sell and upsell loan products to customers.
- Proactively identified solutions for customers experiencing credit issues.
- Compiled closing packages for drafting and presentation accuracy.
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
- Approved loan applications based on customer creditworthiness and provided detailed financial advice.
- Processed loan applications and monitored progress from start to finish.
Lead Teller
PNC Bank
10.2023 - 08.2024
- Mentored newly hired team members on appropriate responses to patron questions.
- Answered inquiries regarding checking and savings accounts and other related products.
- Introduced customers to other bank team members to help meet financial needs.
- Completed highly accurate, high-volume money counts via both manual and machine-driven approaches.
- Managed daily bank operations by processing customer transactions and providing exceptional customer service.
- Recognized and prevented fraudulent activities and suspicious transactions.
- Processed wide variety of retail banking transactions for personal and commercial customers.
- Referred customers to other banking departments for specialized services.
- Cross-sold credit cards, loans and other bank products.
- Established rapport with new clients to increase satisfaction and loyalty.
- Received loan and utility payments, sending funds to correct destinations.
- Assisted customers with banking needs and inquiries.
- Enforced compliance with bank regulations and policies to reduce financial risks.
Teller
Stellar Bank
11.2022 - 09.2023
- Completed highly accurate, high-volume money counts via both manual and machine-driven approaches.
- Answered telephone inquiries on checking and savings accounts, loans, and lines of credit.
- Identified sales opportunities and referred customers to branch partners in financial services.
- Answered customer inquiries regarding account balances, transaction history, services charges, and interest rates.
- Processed customer transactions promptly, minimizing wait times.
- Monitored and reported suspicious activity in line with bank security policies.
- Balanced cash drawer daily and resolved discrepancies to provide accurate data regarding cash flow.
- Disbursed cash and checks accurately while maintaining security of cash drawers.
- Handled various accounting transactions.
- Trained new hires on customer service policies and procedures.
- Educated customers on online banking and mobile banking applications.
- Counted, verified and handled bank deposits and armored car transactions.
- Processed wide variety of retail banking transactions for personal and commercial customers.
- Monitored and verified suspicious activity on customer accounts.
Van Operator
Acadian Ambulance
06.2018 - 05.2021
- Observed and followed traffic laws and regulations specifically reinforcing public and client safety.
- Utilized maps, GPS, landmarks and traffic conditions to expertly navigate to and from destinations efficiently.
- Transported elderly and disabled people to and from hospitals and long-term treatment facilities.
- Maintained vehicle by refueling, performing regular fluid level checks and cleaning interior and exterior of vehicle.
- Drove safely in various weather and road conditions to avoid accidents.
- Inspected vehicle before and after trips to identify maintenance needs and handle regular upkeep.
Loan Customer Service Representative
Credit Central, LLC
10.2016 - 09.2018
- Set up, stored and updated customer files, department records and regulatory paperwork.
- Calculated, reviewed and corrected errors on interest, principal and closing costs.
- Confirmed applicants met lender requirements to repay loans by reviewing applications to determine eligibility.
- Calculated debt-to-income ratios to determine maximum loan amounts and avoid overextending applicants.
- Contacted customers via mail, telephone and email to relay acceptance or rejection of applications.
- Reviewed and validated details of loan applications and closing documentation.
- Verified credit histories, personal references and employment backgrounds for each applicant.
- Prepared loan documents and explained terms to clarify loan conditions and requirements with applicants.
- Corroborated on-time payments and meeting of loan terms by assessing customer accounts.
- Readied Truth-in-Lending Disclosures for loan applicants, delivering important information about loan APR and repayment terms.
- Stayed up to date on loan regulation changes, processing loan applications in compliance with current laws.
Assistant Manager
Regional Finance
03.2014 - 02.2015
- Generated repeat business through exceptional customer service.
- Monitored cash intake and deposit records, increasing accuracy, and reducing discrepancies.
- Supervised day-to-day operations to meet performance, quality and service expectations.
- Maintained professional demeanor by staying calm when addressing unhappy or angry customers.
- Processed loan applications
- Looked at credit bureau reports to determine approvals.
- Collection work
Education
High School Diploma -
Kountze High School
Kountze, TXSkills
- Collections experience
- Goal-Oriented
- Loan Closing
- Loan Processing
- Debt management
- Performance Tracking
- Customer Service
- Team building
- Reliability
- Interpersonal Skills
- Problem-solving abilities
- Organizational Skills
Timeline
Personal Loan Specialist
OneMain Financial
08.2024 - Current
Lead Teller
PNC Bank
10.2023 - 08.2024
Teller
Stellar Bank
11.2022 - 09.2023
Van Operator
Acadian Ambulance
06.2018 - 05.2021
Loan Customer Service Representative
Credit Central, LLC
10.2016 - 09.2018
Assistant Manager
Regional Finance
03.2014 - 02.2015
High School Diploma -
Kountze High School
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