Sandra C. Mackey
Columbus,Ohio
Summary
Experienced in financial services with a strong focus on customer relationship management and transaction accuracy. Expertise in mortgage underwriting, quality assurance, and resolving client issues, ensuring compliance with regulations while maintaining high standards of service and efficiency.
Overview
50
50
years of professional experience
Work History
Associate Banker
JPMorgan Chase
Columbus, Ohio
01.2025 - 05.2025
- Cultivated client relationships through proactive communication, resulting in improved client retention.
- Provided personalized assistance to clients by understanding their specific needs and preferences.
- Resolved complex client issues by coordinating with relevant departments, achieving timely resolutions and enhancing customer satisfaction.
- Ensured accurate balancing of teller drawers and ATM cash during daily cash reconciliation.
- Maintained precise transaction records, supporting daily auditing activities.
- Assisted branch management with administrative duties including scheduling appointments, filing documents, generating reports, and managing office supplies inventory.
Manager Mortgage Underwriting
JPMorgan Chase Bank
Columbus, OH
02.2002 - 08.2022
- Evaluated and approved mortgage loan applications based on creditworthiness and financial history.
- Reviewed property appraisals for accurate valuation and compliance with standards, ensuring loan decisions align with underwriting guidelines.
- Conducted property appraisals to verify condition and compliance with inspection requirements, supporting informed lending decisions.
- Communicated with customers, loan officers, realtors, and title companies.
- Performed quality assurance reviews.
- Conducted monthly and annual performance evaluations.
- Enhanced employee satisfaction through regular reviews and constructive feedback, fostering professional development and engagement.
Recovery Legal Adjustor
Credit Bureau of Columbus
Columbus, OH
01.2001 - 07.2001
- Negotiated repayment agreements with debtors.
- Handled sensitive telephone and in-person communications with the public, ensuring clear understanding of repayment processes.
- Completed account closure after receiving restitution payments, confirming satisfaction of account obligations.
- Collected non-sufficient funds checks for retail and medical businesses to facilitate resolution of outstanding debts.
Account Representative
State of Ohio Attorney General Office
Columbus, OH
10.1999 - 12.2000
- Negotiated repayment plans with clients, accountants, attorneys, and government agencies, facilitating smoother financial resolutions.
- Finalized account closures after resolving outstanding issues, ensuring compliance and restoring client trust.
- Collected delinquent withholding and corporate taxes owed to state agencies, contributing to revenue recovery efforts.
Salesclerk
Lazarus (now Macys)
Columbus, OH
11.1999 - 01.2000
- Greeted customers and assisted in item selection to enhance shopping experience.
- Processed customer payments efficiently to ensure smooth transaction flow.
- Assisted customers with product selection and inquiries at retail location.
- Processed transactions efficiently using point-of-sale systems.
- Maintained visual merchandising standards throughout the sales floor.
Fashion Consultant
Victorias Secret Inc.
Columbus, OH
05.1999 - 09.1999
- Evaluated customer preferences to recommend fashion styles that enhanced their shopping experience.
- Proposed alternative items when products were out of stock, maintaining customer satisfaction and engagement.
- Managed customer calls to facilitate catalogue orders, ensuring efficient service delivery.
Recovery / Legal Adjustor
National City Bank
Columbus, OH
09.1985 - 03.1999
- Filed court judgments to enforce financial obligations and facilitate secure payments.
- Negotiated payment settlements with clients, resulting in successful debt resolution.
- Recovered outstanding bankcard accounts to improve overall collection rates.
- Reaffirmed bankruptcy accounts to ensure accurate financial reporting and compliance.
- Conducted training courses for new employees.
Private Card Adjustor
Bank One
Columbus, OH
01.1981 - 04.1985
- Oversaw management of corporate and business bankcards to ensure optimal usage and compliance.
- Adjusted credit lines based on customer assessments to align with financial risk profiles.
- Assessed insurance claims for validity and compliance with company policies.
- Investigated incidents to gather relevant information and facts.
- Collaborated with clients to explain claim processes and requirements.
Front Desk Associate
Fort Hayes Hotel / Downtown Columbus, Ohio
Columbus, OH
04.1975 - 10.1975
- Welcomed customers while efficiently managing reservations to ensure smooth check-in process.
- Coordinated lodging for Nationwide Insurance Company staff during business trips, ensuring comfortable accommodations.
- Greeted guests warmly and assisted with check-in procedures.
- Managed room reservations using hotel management software.
- Handled guest inquiries and resolved issues promptly.
Education
Certificate - Real Estate
Hondros College
Columbus, OH12-2004
Diploma - Foundations of Banking
American Institute of Banking
Columbus, OH04-1984
Diploma -
Public Administration
04-1978
Diploma - College Preparatory
West High School
Columbus, OH06-1974
Skills
- Banking software
- Excel
- Mortgage lending
- Loan origination
- Mortgage underwriting
- Credit assessment
- Banking regulations
- Customer transactions
- Quality assurance
- Problem resolution
- Communication
- Customer Service
- Client relations
- Relationship management
- Team collaboration
- Team motivation
- Employee training
- Decision Making
- Leadership
- Documentation skills
Hobbies and Interests
Instructional Assistant Columbus City School, Program Coordinator for Connecting Kids Inside Out, Treasurer of Eastern Union Missionary Baptist Association
Timeline
Associate Banker
JPMorgan Chase
01.2025 - 05.2025
Manager Mortgage Underwriting
JPMorgan Chase Bank
02.2002 - 08.2022
Recovery Legal Adjustor
Credit Bureau of Columbus
01.2001 - 07.2001
Salesclerk
Lazarus (now Macys)
11.1999 - 01.2000
Account Representative
State of Ohio Attorney General Office
10.1999 - 12.2000
Fashion Consultant
Victorias Secret Inc.
05.1999 - 09.1999
Recovery / Legal Adjustor
National City Bank
09.1985 - 03.1999
Private Card Adjustor
Bank One
01.1981 - 04.1985
Front Desk Associate
Fort Hayes Hotel / Downtown Columbus, Ohio
04.1975 - 10.1975
Certificate - Real Estate
Hondros College
Diploma - Foundations of Banking
American Institute of Banking
Diploma -
Public Administration
Diploma - College Preparatory
West High School