Rebecca Keenan
Albany,US
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. Develops strong customer relationships by providing excellent service.
Overview
28
28
years of professional experience
Work History
Loan Officer
Live Life Federal Credit Union
01.2024 - 08.2024
- Managed a diverse portfolio of loans while maintaining strong relationships with borrowers and referral partners.
- Ensured compliance with all federal and state regulations throughout the loan origination process.
- Meticulously reviewed applicant documentation, ensuring accuracy and completeness prior to submission for signing, in accordance with State Banking laws and NCUA Regulations.
- Conducted thorough credit analysis to minimize risk exposure for the financial institution.
- Ensured each collateralized loan had proper insurance coverage and that the proper liens were placed via a UCC filing.
- Tracked and performed monthly reconciliation for Lending.
- Drafted the loan procedure manual for all aspects of the Lending function, that will be used by other staff to perform daily operations.
- Developed strong relationships with customers through high levels of customer service.
- Assisted customers in understanding loan terms and conditions to make informed decisions.
- Delivered exceptional customer service by promptly addressing client concerns and resolving issues as they arose during the lending process.
- Utilized advanced financial software tools to accurately assess borrower eligibility for various loan products.
- Drafted many "How To" documents on topics like filing a UCC, Understanding Auto Titles, Fraud in Auto Titles, and Analyzing a Credit Report.
Coordinator, Lending Consultant II
Alloya Corporate FCU
05.2009 - 08.2023
- Maintained and monitored Alloya's loan portfolio, including loans to credit unions and CUSOs, member business loans
- No losses taken on any loans during my tenure in the department
- Responsible for the establishment and ongoing review of member Lines of Credit for both natural person credit unions and CUSOs
- Coordinated office workflow to maximize productivity and labor resources
- Worked closely with sales team to ensure members understood their liquidity options, often participating in calls and meetings with current and potential members
- Responsible for training new junior analysts
- Developed training sessions for new employees on relevant Lending topics such as how to manage the line of credit, increase the line of credit, advance a loan or company policies
- Worked with supervisors or project managers to develop schedules, monitor deadlines and coordinate resources
- Most recently assisted in developing the Lending Module for Alloya's new CORE system
- Provided exceptional quality service to members via responding to telephone calls and emails from members to answer questions or resolve problems
- Collaborated with cross-functional teams to develop strategies that improved workflow efficiency
- Worked to have all applications and forms available via Docusign to streamline the process
- Developed and implemented systems for tracking project progress and evaluating results
- Mainly, created a process for tracking the work pipeline and streamlined the due diligence process
- Prepared detailed monthly/quarterly financial reports by collecting data from multiple sources
- Drafted and maintained procedures for the Lending Department
- Ensured compliance with company policies and procedures related to Lending
- Responsible for the various annual audits at Alloya (ie NCUA, internal audit and external auditors
- For the previous 3 years working in this role, I had no findings in any of the audits I was responsible for.
Credit Risk Analyst
Alloya Corporate FCU
03.1996 - 05.2009
- Created monthly reports on market conditions and performance of investments
- Ensured that Fixed Income did not incur significant or material comments from examiners or auditors
- Maintained counterparty limits for all securities purchased and held by the Corporate
- Provided the portfolio and risk team with industry updates and sector analysis on a regular basis
- Wrote and maintain current procedures for credit risk analysis and reporting that NCUA held as the 'standard' for all other Corporates
- Wrote multiple articles for Corporate publications
- Expanded spread risk tracking through monthly reporting
- Took part in multiple depositions representing NCUA against the Big Banks
- Performed research into potential new investments across multiple asset classes
- Conducted due diligence on potential investments to assess risk and reward profile
- Utilized Bloomberg Terminal to access real-time data analysis tools
- Train new credit analysts as needed.
Education
Bachelor of Science (B.S.) in Marketing / Business Admin -
Siena College
Loudonville, NY05.1995
Skills
- Lending Regulations
- Financial Analysis Aptitude
- Underwriting Capabilities
- Loan Product Promotion
- Active Listening and Learning
- Credit Analysis
Volunteer Experience
- Dog Foster, Mr Mo Senior Dog Rescue, Clifton Park, NY, 05/01/18, Present, Provided the best of the rest for the senior dogs that became my forever fosters.
- Monitored fostered animals' health closely and reported any changes or concerns immediately.
- Provided compassionate care and support to dogs in need of fostering, including administering medications, feeding and providing exercise.
- Homeward Bound Dog Rescue, Clifton Park, NY, 01/01/18, Present, Facilitated adoptions by providing potential adopters with information about the animal's background and personality traits.
- Participated in community outreach events promoting pet adoption and fostering opportunities.
- Evaluated potential adopters to ensure a safe and permanent placement for each dog placed into foster care.
References
- Provided upon request
Timeline
Loan Officer
Live Life Federal Credit Union
01.2024 - 08.2024
Coordinator, Lending Consultant II
Alloya Corporate FCU
05.2009 - 08.2023
Credit Risk Analyst
Alloya Corporate FCU
03.1996 - 05.2009
Bachelor of Science (B.S.) in Marketing / Business Admin -
Siena College
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