Stephanie Murray

• Maintained compliance with laws and regulations governing commercial loans.
• Conducted interviews and reviewed financial history, credit and property evaluations of each customer.
• Obtained and reviewed corporate financial statements.
• Built trust and promoted customer loyalty throughout underwriting process.

• Interviewed clients regarding loan needs and financial histories, and conveyed information regarding the application processes
• Maintained compliance with privacy and security requirements, as well as federal statutes covering Consumer, and Mortgage loans
• Answered telephone inquiries on banking products including checking, savings, loans and lines of credit
• Advised clients on mortgage, educational and personal loans
• Collected member loan payments
• Reviewed financial statements and contacted institutions and customers to clarify details
• Uphold complete confidentiality of all submitted information according to release guidelines
• Worked with customers in person and via telephone to answer questions, process transactions and resolve issues
• Executed wire transfers, stop payments and account transfers
• Executed customer transactions, including deposits, withdrawals, money orders and checks
• Scheduled staffing for the main branch
• Maintained friendly and professional customer interactions
• Pulled daily branch ACH & Exception reports
• Sold cashier's checks, traveler's checks and money orders
• Assessed clients' financial situations to develop strategic financial planning solutions
• Processed quarterly Vault and ATM audits with a zero error rate
• Reviewed and edited loan agreements to ensure accuracy
• Originated, reviewed, processed, closed and administered customer loan proposals
• Recommended loan approvals and denials based on customer loan application reviews
• Conducted UCC searches and created environmental reports as part of the loan process
• Complied with regulatory requirements, including the Bank Secrecy Act, Anti Money Laundering, OFAC, USA Patriot Act, Privacy Act and Community Reinvestment Act
• Used skip tracing and other techniques to locate debtors
• Set up drafts and processed immediate payments
• Advised customers of necessary actions and strategies for debt repayment
• Achieved performance goals on a consistent basis
• Verified and reviewed customer account information
• Provided exceptional customer service on all calls while maintaining a calm and professional demeanor in challenging circumstances

Evaluate and authorize the approval of consumer and real estate loans.

Assess credit worthiness through underwriting.

Process loan applications.

Explain and negotiate loan terms.

Cross selling products and services.

Providing sound financial advice and high quality customer service to each and every client.