SHEYANNA CARAWAY
Naperville,IL
Summary
Results-driven financial services professional with over 10 years in loan origination, underwriting, and compliance. Expertise in exceeding sales goals, implementing growth initiatives, and ensuring regulatory adherence. Skilled in training teams, optimizing processes, and achieving significant outcomes in dynamic retail banking settings.
Overview
1
1
Certification
4
4
years of post-secondary education
11
11
years of professional experience
Work History
Loan Officer
FOCUS CREDIT UNION
Menomonee Falls, WI
03.2025 - 07.2026
- Originated, underwrote, and managed a diverse portfolio including consumer loans, unsecured loans, second mortgages and HELOCs.
- Performed comprehensive credit analyses, verified income and collateral, and structured loan products to balance member needs with institution risk portfolio.
- Counseled members on repayment strategies, loan terms, and refinance options, contributing to reduced delinquencies and enhanced portfolio performance.
- Promoted cross-sell opportunities and cultivated strong referral relationships with branch staff and external partners, driving increased loan originations.
- Collaborated with executive leadership (CEO, VP) to streamline loan approvals and closings, ensuring compliance and enhancing member experience.
- Coordinated with internal teams (compliance and servicing) to expedite funding and minimize processing errors.
- Reviewed loan applications, credit reports, and supporting documents for accuracy.
- Evaluated borrower eligibility against FOCUS Credit Union lending guidelines.
- Coordinated loan closings with members, title teams, and internal departments.
Loan Officer / Supervisor
GUARDIAN CREDIT UNION
West Milwaukee, WI
06.2021 - 03.2025
- Surpassed 2023-2024 origination targets by achieving an average of 178% of the annual quota across key loan products: auto loans, credit cards, HELOCs, fixed second mortgages, and unsecured loans.
- Supervised West Allis,WI branch operations as key holder; managed opening/closing procedures and cash vault controls to ensure daily operational integrity.
- Advised credit union members on consumer loan options and lending requirements.
- Communicated underwriting decisions and requested missing information from applicants.
- Generated weekly and month-end management reports and conducted variance analysis, ensuring data accuracy and compliance with regulatory documentation.
- Maintained member relationships through responsive service and clear lending guidance.
SR. Financial Supervisor
ALASKA USA FEDERAL CREDIT UNION
Avondale, AZ
05.2018 - 09.2020
- Managed loan origination portfolio by reviewing applications, mitigating risk, and ensuring compliance with regulatory rules.
- Ensured adherence to federal and state banking regulations and internal policies; kept current with Fair Lending, BSA/AML, Reg E, and NCUA guidance.
- Oversaw high-volume member interactions and branch-level cash management, including cash ordering and vault reconciliation.
- Trained staff on robbery procedures, compliance best practices, and transaction handling to reduce operational risk.
Bank Teller & Branch Supervisor
WAUKESHA STATE BANK
Brookfield, WI
06.2015 - 04.2018
- Executed high-volume cash transactions, balanced daily cash, and prepared deposits and cash orders to ensure accurate financial operations.
- Provided account inquiries, routine transactions, and financial wellness guidance to customers; referred sales opportunities to lending staff to enhance customer service and drive sales.
- Maintained and secured access credentials for cash vaults, night depositories, safe deposit systems, and related network access controls.
Education
MUSKEGO HIGH SCHOOL
Muskego, WI 09.2013 - 06.2017
Skills
- Loan origination
- Loan underwriting
- Credit analysis
- Income verification
- Collateral valuation
- Risk assessment
- Regulatory compliance
- Portfolio management
- Transaction management
- Consumer lending
- Banking
- Financial reporting
- Exceptional communication
- Conflict resolution
- Relationship building
Certification
- NMLS/MLO Certified
- Notary License
- Employee training and developing
- Team collaboration
- Data analysis and reporting
- Compliance and policy
- Microsoft Word & Excel
- Cash Flow Planning & Management
LinkedIn profile
https://www.linkedin.com/in/sheyanna-caraway-554092143?utm_source=share_via&utm_content=profile&utm_medium=member_ios
Timeline
Loan Officer
FOCUS CREDIT UNION
03.2025 - 07.2026
Loan Officer / Supervisor
GUARDIAN CREDIT UNION
06.2021 - 03.2025
SR. Financial Supervisor
ALASKA USA FEDERAL CREDIT UNION
05.2018 - 09.2020
Bank Teller & Branch Supervisor
WAUKESHA STATE BANK
06.2015 - 04.2018
MUSKEGO HIGH SCHOOL
09.2013 - 06.2017