Sara Walls
Trenton
Summary
Dynamic and detail-oriented professional with extensive experience at Public Service Credit Union, excelling in risk assessment and customer service. Proven ability to analyze data and streamline processes, enhancing efficiency and client satisfaction. Highly reliable with strong multitasking skills, committed to delivering exceptional results in fast-paced environments.
Professional hospitality expert with proven skills in mixing and serving beverages, managing bar inventory, and ensuring customer satisfaction. Strong focus on team collaboration, adaptability, and achieving high-quality results. Skilled in providing exceptional service, handling high-pressure situations, and maintaining clean and organized workspace. Known for reliability, flexibility, and creating positive experiences for patrons.
Overview
15
15
years of professional experience
Work History
Underwriter
Public Service Credit Union
09.2021 - Current
- Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
- Documented underwriting decisions and provided evidence of compliance with applicable regulations.
- Provided excellent customer service by addressing inquiries promptly and offering comprehensive explanations of underwriting decisions.
- Made approval and denial recommendations by determining accurate risk levels.
- Examined credit reports, financial statements and tax returns to determine repayment capability.
- Identified and resolved application discrepancies for accuracy and compliance with relevant regulations.
Bartender
Mr. Nick's
04.2010 - Current
- Served high customer volumes during special events, nights, and weekends.
- Managed cash handling duties responsibly, ensuring accurate accounting at the end of each shift.
- Performed opening and closing duties, printing sales reports, setting up for incoming shift, preparing cash drawers, and taking inventory.
- Efficiently opened or closed the bar according to established procedures, ensuring preparedness for each shift.
- Contributed to a positive work environment through effective teamwork and communication with colleagues.
- Developed loyal clientele by consistently delivering outstanding service and engaging in friendly conversation.
- Kept bar presentable and well-stocked to meet customer needs.
- Followed alcohol awareness procedures for preventing excessive guest intoxication.
- Reduced wait times for drinks by efficiently managing the bar area and prioritizing orders.
- Enhanced overall guest experience by promptly addressing concerns and resolving issues professionally.
- Trained new bartenders on drink preparation, product promotion, garnish preparation, and sanitation protocol.
- Organized bar inventory and storage procedures to keep stock within optimal levels and meet expected customer demands.
- Assisted with staff training, sharing expertise in bartending techniques and customer service best practices.
- Upsold menu items to customers, driving up per sale revenues and maximizing profits.
Indirect Lending Loan Analyst
Public Service Credit Union
06.2017 - 09.2021
- Participated in ongoing training programs to stay current on industry best practices, regulations, and emerging trends in loan analysis.
- Increased efficiency within the department by identifying areas for improvement and recommending appropriate changes to workflow processes.
- Improved loan approval process by conducting thorough credit analysis and risk assessments.
- Conducted comprehensive research on market trends, contributing to informed lending decisions and reduced default rates.
- Served as liaison between borrowers, underwriters, and other relevant parties throughout the entire loan process for seamless coordination of efforts.
- Provided timely feedback to sales team regarding application status, resulting in improved communication and customer experience.
- Maintained detailed records of all transactions according to regulatory requirements while ensuring strict confidentiality of client data.
Consumer Loan Analyst - Loan Officer
Public Service Credit Union
03.2014 - 06.2017
- Ensured compliance with regulatory standards by diligently reviewing documentation and loan data.
- Utilized advanced analytical tools for better understanding of clients'' financial positions, allowing for tailored recommendations based on individual needs.
- Streamlined loan application procedures for enhanced client satisfaction and faster processing times.
- Increased efficiency within the department by identifying areas for improvement and recommending appropriate changes to workflow processes.
- Reviewed borrower financial statements, ensuring accuracy of information used in decision-making processes.
- Served as liaison between borrowers, underwriters, and other relevant parties throughout the entire loan process for seamless coordination of efforts.
Teller
Public Service Credit Union
02.2013 - 03.2014
- 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.
- Balanced cash drawers daily, identifying discrepancies and taking corrective actions as needed.
- Processed customer transactions promptly, minimizing wait times.
- Promoted a welcoming atmosphere in the branch by greeting customers warmly upon arrival and addressing them by name when possible.
- Assisted customers with account inquiries, resolving issues promptly and professionally.
- Answered customer inquiries regarding account balances, transaction history, services charges, and interest rates.
- Developed strong relationships with customers through exceptional service, fostering loyalty and trust.
- Contributed to a positive work environment by demonstrating professionalism, courteousness, and a strong work ethic.
- Increased cross-selling opportunities by identifying customer needs and recommending appropriate banking products or services.
Education
No Degree - Nursing
Henry Ford College
Dearborn, MISkills
- Underwriting guidelines
- Analyzing data
- Documentation review
- Risk assessment
- Strong multitasking
- Customer service
- Highly reliable
- Clear and effective communication
- Patience and tolerance
- Outgoing personality
- Payment processing
Timeline
Underwriter
Public Service Credit Union
09.2021 - Current
Indirect Lending Loan Analyst
Public Service Credit Union
06.2017 - 09.2021
Consumer Loan Analyst - Loan Officer
Public Service Credit Union
03.2014 - 06.2017
Teller
Public Service Credit Union
02.2013 - 03.2014
Bartender
Mr. Nick's
04.2010 - Current
No Degree - Nursing
Henry Ford College
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