Spencer Theard
Smyrna,USA
Summary
Professional with strong background in loan management and customer service. Skilled in financial analysis, risk assessment, and regulatory compliance. Known for effective team collaboration and adaptability to changing needs. Consistently delivers results by leveraging problem-solving skills and attention to detail.
Overview
5
5
years of professional experience
Work History
Loan Specialist GS11
U.S. Small Business Administration
11.2022 - Current
- Evaluate and process home and business loan applications, providing well-supported recommendations on appropriate collateral to secure loans.
- Conduct in-depth financial & risk analysis to assess applicants’ repayment ability, applying established procedures to ensure sound lending decisions.
- Review and interpret key eligibility factors—including cause of loss, intended use of funds, and applicable legislative limits—to determine loan qualification.
- Maintain comprehensive loan documentation, including applicant communications and written justifications, to support transparency and compliance.
- Utilize web-based systems to accurately process loan applications and manage data efficiently.
- Communicate professionally with applicants, representatives, and agents—both verbally and in writing—to provide updates, explain decisions, and address inquiries.
- Analyze and process loan modifications, preparing detailed supporting documentation to ensure accuracy and alignment with agency guidelines.
- Support Case Managers in closing and disbursing approved loans, ensuring a smooth transition from approval to funding.
Loan Processor
CRIF Select
07.2022 - 11.2022
- Ensure timely and accurate processing of auto loan packages, verifying all documentation for compliance and funding within designated timeframes.
- Collaborate with financial institutions (banks and credit unions) to efficiently process auto loan applications, review and clarify loan terms, ensuring transparency and fostering strong partnerships for smooth operations.
- Make informed, sound decisions in verifying loan documents, ensuring accuracy and compliance with regulatory standards.
- Collaborate effectively with processors and underwriters, maintaining consistency and accuracy across all compliance documentation to meet organizational and regulatory requirements.
Loan Specialist GS9
U.S Small Business Administration
11.2020 - 05.2022
- Process home and business loan applications, recommend appropriate collateral, and maintain accurate tracking using Excel spreadsheets.
- Apply financial analysis procedures to assess applicants' repayment ability, ensuring sound lending decisions.
- Review eligibility factors such as ridk and damage assessment, use of proceeds, and regulatory limits to determine loan qualification.
- Maintain comprehensive loan files, ensuring all documentation, applicant communications, and written recommendations are properly recorded.
- Utilize web-based systems to process and track loan applications efficiently.
- Communicate clearly with applicants and representatives both orally and in writing to provide updates and address inquiries.
Call Center Agent
Sysnet Global Solutions
06.2020 - 11.2020
- Operate multi-line PBX phone systems to manage inbound and outbound customer interactions.
- Provide exceptional support to merchant customers via phone, email, and web-chat, delivering accurate solutions in a timely manner.
- Meet call metrics and Service Level Agreements, ensuring high-quality service and efficient call handling.
- Assist customers with login and navigation of Sysnet Air, our proprietary online portal, enhancing user experience.
- Achieve first-call resolution by gathering necessary information and addressing customer needs thoroughly and efficiently.
- Handle challenging or assertive calls with professionalism, maintaining calm and clarity; escalate when necessary to ensure customer satisfaction.
- Adapt to additional duties as needed to support business goals and improve team performance.
Education
Xavier University of Louisiana
New Orleans, LA05.2019
Skills
- Excellent communication skills
- Customer service-focused
- PCI
- Operating Multi-line Phone Systems
- Customer Service and Assistance
- Data Entry
- Microsoft Office and Adobe
- Telephone and email etiquette
- Team player
- Problem-solving
- Attention to detail
Timeline
Loan Specialist GS11
U.S. Small Business Administration
11.2022 - Current
Loan Processor
CRIF Select
07.2022 - 11.2022
Loan Specialist GS9
U.S Small Business Administration
11.2020 - 05.2022
Call Center Agent
Sysnet Global Solutions
06.2020 - 11.2020
Xavier University of Louisiana
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