Stephony Newkirk
Raleigh,NC
Summary
Detail-oriented team player with strong organizational skills. Ability to handle multiple projects simultaneously with a high degree of accuracy. Highly motivated and goal-driven professional who is skilled in collecting, monitoring and studying data to analyze financial status and recommend business strategy. Experienced in qualitative and quantitative analysis, contract management and forecasting. Tech-savvy in use of spreadsheets, accounting and financial management software. Passionate about promoting lasting customer satisfaction by delivering quality service and unparalleled support. Proficient in customer service best practices and related options.
Overview
7
7
years of professional experience
1
1
Certification
Work History
Fulfillment Financial Analyst
NC State Employees Credit Union
05.2023 - Current
- Assisted in the development of pricing strategies, optimizing profitability across product lines and market segments.
- Evaluated performance of existing investments and adjusted accordingly.
- Enhanced financial reporting accuracy by reconciling discrepancies and ensuring timely completion of month-end close activities.
- Monitored Inventory numbers and trends
- Testing
- Developed forecasting tools to analyze revenue variances and capitalize on industry trends.
- Conducted variance analysis on actual versus budgeted results, identifying areas for improvement and implementing corrective actions as needed.
Collection Affiliate Specialist I
CardWorks Services
11.2022 - 01.2023
- A Specialist in the Affiliate Collections department interacts with delinquent customers through a combination of inbound and outbound calls to discuss the repayment of their credit card and/or loan account
- Specialists uses customer service, communication, and negotiating skills to determine why a payment is late and how to resolve the situation while educating the customer about the obligations and benefits of bringing their account current
- Essential Functions: Contacts delinquent account holders by telephone (automated dialer, manual calls) Provides information and counseling to customers about obligations & benefits of bringing the account(s) current Negotiates satisfactory payment arrangements Updates account information as needed/required Exercises independent judgment within the framework of established policies to assist the customer with their account Follows all guidelines of the Fair Debt Collections Practices Act (FDCPA) Performs other duties as assigned
Mortgage Loan Processor (LOC/LOA)
Credible Operations, Inc
10.2021 - 02.2022
- Mortgage Broker experienced
- Set up and completed loan submission packages.
- Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
- Provided professional advice on loan applications by interviewing applicants, reviewing applications and verifying information gathered.
- Communicated with originator and applicant concerning progress of loan file.
- This included pre underwriting loan after initial documents were signed by client and initial submission documents were received
- Supported all 50 states
- Refinances and Purchase loan experience
- Duties included: Performed a detail review of Loan application, including recalculation of qualifying income based on submitted income/asset documents Ran DU/ LP findings (Fannie Mae and Freddy Mac) via encompass and Freddy Mac website
- Both prelim and final findings for 1.2 file submission Based on findings, responsible for collecting and reviewing all documentation required for initial submission
- Experienced with Advantage Credit and reviewing Credit report Responsible for putting together 1.2 submission file and submitting to Lender to start underwriting review
- Reviewed Conditional Loan Approvals; requested additional documents based on findings
- Disputed any conditions that were not needed directly with lenders underwriting team
- Communicated with lenders Account Executive Maintained a pipeline of 50-100 files at one time
- Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
- Responsible for collecting and submitting appraisal payments if clients were not given a property inspection waiver (PIW)
- Followed loan until package was ready for Clear to Close
- Key person for communication with the client throughout entire lending process
- Answering client question and providing loan updates (Customer service) did not speak on points and fees due to licensing
- Full time remote worker for the past year and half.
- Consulted with outside vendors to identify and resolve loan closing issues.
Credit Card Systems Analyst II
NC State Employees Credit Union
10.2018 - 01.2021
- Serve as both Business Analyst and Systems Analyst in a liaison role between internal staff and the various departments, and vendors from projects we are involved with
- Business/Systems analysts have many roles and responsibilities including: Hold/ Participate in project meetings, Work directly with VP's and SVP's Serving as a point person for all system-related issues Assembling and coordinating interdepartmental teams to implement changes to the systems Researching product/systems specifications with 3rd party vendors
- Testing Project manager over all projects assigned Expand understanding of branch, other operations departments, debit card portfolio, credit card portfolio, prepaid portfolio Answer and assist with incoming phone calls and emails from all branch and operations personnel seeking assistance with card related topics
- Respond to branch and operations employee concerns promptly Review and update all Card Services manuals as needed
- Monitor industry bulletins, newsletters, and mandates from Visa, Visa DPS, MasterCard, FDR, and PSCU
- Offer and help implement suggestions for improvement of services to members and the organization
- Became familiar with writing Data Processing (DP) Requests.
Record Services Analyst II
NC State Employees Credit Union
01.2020 - 10.2020
- Position involved helping to ensure timely and accurate completion of all the department's activities
- Includes assisting and teaching other employees how to perform various daily duties and making operational recommendations for improvements including: Proficient in all the duties of the Research Services Analyst I and consistently complete all assigned duties in a timely manner
- Analyze all current processes and make recommendations for improvements
- Assist with training and provide support for all Research Services processes
- Prepare and collect documentation of subpoenaed accounts for court orders and IRS audits
- Manage the retrieval and storage of onsite media inventory
- Prepare reports for monthly onsite media destruction in accordance with current retention regulations
- Use various online computer systems and applications to research and produce requested information
- Process Verification of Deposit and Verification of Assets requests for members and as requested by State Social Services and the Federal Social Security Administration
- Prepare documents received from other departments for scanning by sorting and applying necessary control tickets.
Card Services Support Analyst I
State Employees Credit Union
02.2018 - 10.2018
- Customer and Internal services
- Provide support to branch personnel and assist members with any related card questions and problems
- Knowledge of SECU branch and member services support operations is necessary
- Respond to Card Services incoming calls promptly and courteously with the intent to reconcile all problems
- Duties included: Respond to Relationship Manager Correspondence
- Respond to incoming emails promptly and courteously with the intent to reconcile all problems
- Verify and process credit card lost, stolen, and never received forms received via email or phone request
- Maintain any changes or additions to existing debit, credit and gift cards via phone or email
- Reset passwords in FDR, DPS, Voice Response, Relationship Manager, and Cardwiz
- Refund credit card interest, FedEx and late fees as needed
- Key new Medical Flexible Spending Account cards via email requests
- Assist manager and specialist with the training of a technician
- Perform other duties as assigned.
Financial Service Representative II
State Employees Credit Union
09.2016 - 02.2018
- Customer service
- Responded to all member needs or directs them to the appropriate person, department or source
- Dispenses information about various types of accounts and other Credit Union services and provide member service through all delivery channels, handle functions such as cash box management, account opening and maintenance, phone inquiries, tax preparation, safe deposit boxes, and all other services as needed
- Duties included: Establish new accounts, handle debit and credit card transactions, account resolution, and process internet requests
- Handle up to 100-member calls per day in a professional and efficient manner Offer members beneficial financial advice and recommendations on personal account management, money-saving skills, and fraud prevention tactics Learn from each member how to empathize, converse and assist a wide variety of individuals that develop positive company-to-member relationships Expand financial services knowledge through a developmental module program
Education
Master's in Human Resources -
Capella University
10.2016
Bachelor's in Business Administration -
Saint Augustine's University
05.2011
Skills
- Loan processing
- Credit analysis
- Loan origination
- Lending
- Customer service
- Banking/ Finance
- Systems Analysis
- Fair Housing Regulations
- Documentation review
- Typing
- Bookkeeping
- Effectively and efficiently communicate both through verbal and written
Certification
NMLS# 917195- I- 154959) MLO
Timeline
Fulfillment Financial Analyst
NC State Employees Credit Union
05.2023 - Current
Collection Affiliate Specialist I
CardWorks Services
11.2022 - 01.2023
Mortgage Loan Processor (LOC/LOA)
Credible Operations, Inc
10.2021 - 02.2022
Record Services Analyst II
NC State Employees Credit Union
01.2020 - 10.2020
Credit Card Systems Analyst II
NC State Employees Credit Union
10.2018 - 01.2021
Card Services Support Analyst I
State Employees Credit Union
02.2018 - 10.2018
Financial Service Representative II
State Employees Credit Union
09.2016 - 02.2018
Master's in Human Resources -
Capella University
Bachelor's in Business Administration -
Saint Augustine's University
NMLS# 917195- I- 154959) MLO
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