Regina Hill
Ochlocknee,USA
Summary
Seasoned Loan Specialist with 17+ years of experience in consumer lending, underwriting, and financial advisory. Proven expertise in quality assurance, credit analysis, and regulatory compliance. Recognized for optimizing loan processes, identifying file discrepancies, and driving accuracy in financial documentation. Passionate about client service, team collaboration, and empowering customers through financial education.
Overview
17
17
years of professional experience
Work History
Senior Loan Specialist
Envision Credit Union
Tallahassee, FL
07.2019 - Current
- Evaluate borrower creditworthiness and provide financial counseling to enhance loan eligibility.
- Conduct detailed quality audits of loan files to ensure compliance with internal standards and federal regulations.
- Identify documentation gaps, recommend corrections, and communicate process updates to improve accuracy.
- Prepare comprehensive loan application packages for underwriting and funding decisions.
- Partner with departments to streamline workflows and improve processing timelines.
Financial Relationship Specialist
Regions Bank
Tallahassee, FL
03.2018 - 07.2019
- Exceeded sales and referral targets using a value-driven customer service approach.
- Reviewed daily transactions and performed quality control to detect and correct teller discrepancies.
- Trained new team members and contributed to continuous process improvement efforts.
- Assisted clients with account management, loan applications, and personalized financial planning.
District Loan Specialist
OneMain Financial
Tallahassee, FL
08.2014 - 10.2017
- Originated and underwrote personal loans in alignment with credit policy and compliance guidelines.
- Conducted file reviews and audits to maintain quality across underwriting and documentation practices.
- Analyzed debt-to-income, loan-to-value ratios, and credit history to support accurate decision-making.
- Facilitated debt restructuring and repayment scheduling with clients facing financial hardship.
Wireless Sales Consultant
AT&T / Verizon / Alltel
Thomasville, GA
03.2008 - 10.2017
- Consistently exceeded monthly sales quotas by providing tailored recommendations and product education.
- Supported team quality goals by adhering to service standards and mentoring peers.
- Fostered long-term customer relationships by delivering outstanding in-store experiences.
Education
Associate of Arts - Paralegal Studies
South University
Savannah, GASkills
- Loan Origination & Underwriting
- Credit & Risk Analysis
- Quality Assurance & File Review
- Regulatory Compliance (FDCPA, Fair Lending)
- Customer & Financial Advisory
- Sales & Cross-Selling Strategies
- Debt Management & Counseling
- Financial Literacy & Education
- Relationship & Team Building
- Training & Staff Development
Timeline
Senior Loan Specialist
Envision Credit Union
07.2019 - Current
Financial Relationship Specialist
Regions Bank
03.2018 - 07.2019
District Loan Specialist
OneMain Financial
08.2014 - 10.2017
Wireless Sales Consultant
AT&T / Verizon / Alltel
03.2008 - 10.2017
Associate of Arts - Paralegal Studies
South University
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