Rinnelle Bennett
Charlotte,NC
Summary
Meticulous and analytical professional with several years of experience in assessing loan applications, conducting comprehensive credit history analysis, and devising payment schedules. Proficient at reviewing and updating credit and loan files, and conferring with underwriters to resolve mortgage application problems. Flexible team player with excellent problem-solving skills. Strong working knowledge of international trade documents, and letters of credit amendments, communicated discrepancies to clients, processed payments, reviewed financial statements, and provided exceptional customer service. Reliable team player accustomed to being a strategic thinker, well-organized and taking on challenging tasks. Offering over twenty years of related experience, to enhance the organizational brand, and expand skills while facilitating company growth.
Overview
24
24
years of professional experience
Work History
Sr. Trade Standby Letter of Credit Processor
Wells Fargo
Charlotte, NC
02.2023 - Current
- Advised, amended, and negotiated export letters of credit for clients, providing excellent customer service.
- Examined letters of credit and trade documents for adherence to LC terms by UCP.
- Diligently ensured strict compliance with anti-boycott regulations, OFAC compliance AML risk, and international controls Filed appropriate reports with the Bureau of Industry and Security Structured letters of credit to best meet customer's needs and UCP requirements.
- Partner with Relationship Managers to enhance client relationships.
- Perform complex services including opening letters of credit, processing payments,and informing clients of discrepancies.
Member Debt Solution Representative (Remote)
Randstad, USAA Bank Contractor
Charlotte, NC
07.2022 - 02.2023
- Follows written risk and compliance policies, standard, and procedures for business activities.
- Complete required account verification and account maintenance. Documents all pertinent customer contact information in database.
- Review Court-Issued documents appointing an executor/ administrator or Small Estate Affidavit in accordance with state law.
- Review Death Certificate, Letters testamentary /Letters of administration and Certificate of Trust naming a successor trustee.
- Processed clear commerce payments over the phone.
- Remained calm, stayed professional and provided exceptional service on calls, even when interacting with difficult individuals.
- Reviewed and updated process maps to maintain alignment with bankruptcy procedure requirements.
- Collaborated with legal department officials on bankruptcy cases for management of proceedings and post-petition payments.
Senior Credit Collection Specialist
Truliant Federal Credit Union
12.2020 - 07.2022
- Processed payments over phone and set up recurring drafts.
- Negotiated credit extensions to assist customers in paying overdue accounts.
- Completed skip traces on customers failing to respond to collection efforts.
- Arranged for debt repayment and established repayment schedule based on customer finances.
- Prepared documentation required for collection and repossession activities.
- Located and monitored overdue accounts using billing system to begin collections process.
- Recorded information about customers' financial status and collections status efforts.
- Received payment and posted to appropriate customer accounts.
Senior Bankruptcy Specialist
Bank of America
Greensboro, NC
09.2015 - 12.2020
- Responded to telephone calls and emails each day, setting up appointments, answering questions and collecting information about specific concerns.
- Accepted and processed customer payments and applied toward account balances.
- Recognized by management for providing exceptional customer service.
- Identified needs of customers promptly and efficiently.
- Gathered information and data for use by attorneys in preparing for cases and hearings.
- Assisted with training and coaching new employees.
Sr. Loan Processor
Bank of America
Charlotte, NC
09.2010 - 09.2015
- Liaise between potential clients and financial institution, evaluate clients, research credit records, and prepare documentation for loan packages.
- Calculated income, assets and liabilities to meet lender requirements.
- Schedule and track closing dates, contingency dates, and rate lock expiration dates to ensure compliance and create repayment plans.
- Optimize loan approval process through updated techniques and systems to achieve efficiency and boost loan approval rate.
- Assessed applicants' financial status and assets to determine loan feasibility, reviewing loan agreements for accuracy.
Mortgage Servicing Specialist
Bank of America
Greensboro, NC
06.2005 - 09.2010
- Confirmed on-time mortgage payments as per signed agreements, reviewing records monthly to reduce past-due accounts.
- Ensured compliance with federal, state, and local regulations pertaining to mortgage servicing.
- Initiated contact with delinquent borrowers to discuss payment plans or other solutions.
- Advised customers on how to avoid delinquency through budgeting techniques.
- Assessed creditworthiness of applicants seeking new mortgages based on established criteria.
- Processed mortgage payments, escrow funds, and late fees according to regulations.
- Investigated disputes raised by customers concerning their loan terms or payments.
- Researched and resolved discrepancies between borrowers' accounts and lenders' documents.
Senior Collections Representative
Bank of America
Greensboro, NC
06.2000 - 06.2005
- Reviewed accounts to determine payment plan compliance.
- Processed payments over phone and set up recurring drafts.
- Secured payments by following up with customers which disregarded promise to pay.
- Met demands of busy collections group by performing high volume of daily calls.
- Used variety of automated systems to locate and monitor overdue accounts.
- Advised customers of necessary actions and strategies for debt repayment.
- Arranged for debt repayment or established repayment schedules based on customers' financial situations.
- Received payments and posted amounts to customer accounts.
- Advised delinquent customers on strategies for debt repayment.
- Negotiated credit extensions and waivers when necessary.
Education
NC Notary Public - Notary Public Certification
Richmond Community College
Hamlet, NC05.2021
Associate of Arts - Business Administration and Management
Guilford Technical Community College
Jamestown, NC06.1998
Skills
- Attention to detail
- Critical thinking
- Leadership skills
- Customer service skills
- Organizational skills
- Time management skills
- Problem-solving skills
- Negotiation skills
Timeline
Sr. Trade Standby Letter of Credit Processor
Wells Fargo
02.2023 - Current
Member Debt Solution Representative (Remote)
Randstad, USAA Bank Contractor
07.2022 - 02.2023
Senior Credit Collection Specialist
Truliant Federal Credit Union
12.2020 - 07.2022
Senior Bankruptcy Specialist
Bank of America
09.2015 - 12.2020
Sr. Loan Processor
Bank of America
09.2010 - 09.2015
Mortgage Servicing Specialist
Bank of America
06.2005 - 09.2010
Senior Collections Representative
Bank of America
06.2000 - 06.2005
NC Notary Public - Notary Public Certification
Richmond Community College
Associate of Arts - Business Administration and Management
Guilford Technical Community College
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