Tarah Wojtach
Gloucester,VA
Summary
Accomplished Senior Personal Loan Specialist with a proven track record at OneMain Financial Services, enhancing loan processing efficiency and client repayment rates. Expert in loan underwriting and financial counseling, I excel in leadership and problem-solving, significantly contributing to team success and customer satisfaction. Demonstrated ability to mentor, achieving a high rate of repeat business and referrals through exceptional service.
Overview
15
15
years of professional experience
1
1
Certification
Work History
Senior Personal Loan Specialist
OneMain Financial Services
03.2019 - Current
- Established a reputation as a trusted advisor among both clients and colleagues, resulting in increased business opportunities and professional growth.
- Educated borrowers on the importance of timely payments, contributing to an improved overall repayment rate among clients.
- Ensured accurate data entry into lending systems, minimizing errors that could impact loan decisions or reporting metrics.
- Improved application turnaround times by developing efficient workflows and prioritizing high-impact tasks.
- Reduced delinquency rates by proactively monitoring portfolio performance and addressing potential issues before they escalated.
- Developed strong client relationships, resulting in a high rate of repeat business and referrals.
- Mentored junior Personal Loan Specialists, sharing expertise in underwriting criteria and best practices for successful loan processing.
- Provided exceptional customer service throughout the entire loan lifecycle – from initial inquiry to final payment – fostering lasting client relationships built on trust and reliability.
- Collaborated with team members to achieve department goals for loan volume and customer satisfaction ratings.
- Evaluated loan requests and documents to verify accuracy and completeness.
- Analyzed potential risks and evaluated loan products to identify suitable options for customers.
- Approved loan applications based on customer creditworthiness and provided detailed financial advice.
- Negotiated loan terms and conditions with customers to secure best deal.
- Proactively identified solutions for customers experiencing credit issues.
- Identified opportunities to cross-sell and upsell loan products to customers.
- Assisted clients with improving financial health by counseling on issues such as excessive spending and borrowing.
Assistant Manager
Regional Finance
11.2017 - 03.2019
- Developed strong working relationships with staff, fostering a positive work environment.
- Monitored cash intake and deposit records, increasing accuracy, and reducing discrepancies.
- Oversaw daily cash reconciliations, ensuring accurate financial reporting and minimizing discrepancies.
- Assisted in recruiting, interviewing, hiring, and onboarding of new employees to maintain adequate staffing levels.
- Collaborated with the management team to develop strategic plans for business growth and improvement.
- Enforced company policies consistently while handling disciplinary actions when necessary with fairness and respect.
- Increased sales through effective merchandising strategies and targeted promotions.
- Boosted employee morale by recognizing outstanding performance and celebrating team accomplishments.
- Conducted performance evaluations and provided constructive feedback to employees.
- Off Site Travels to Build Relations with business in the area to Gain Merchant Deals
- Controlled Delinquency within the branch by offering Assistance options available
Retail Banker
Woodforest Bank
11.2012 - 10.2017
- Strengthened client portfolio by identifying needs and recommending suitable financial products or services.
- Complied with regulatory, legal and ethical requirements to protect bank assets.
- Kept current with financial services marketplace and legal and regulatory environment to uphold highest ethical requirements of industry.
- Followed through on risk and compliance processes and policies to safeguard customer assets, maintain privacy and act in best interest.
- Maintained high levels of cash handling accuracy, ensuring proper documentation and adherence to compliance requirements.
- Offered clients advice and guidance on digital and self-serve options to make banking easy, simple and fast.
- Collaborated with team members to achieve branch sales targets and enhance overall productivity.
- Managed risk effectively by adhering to bank policies and procedures during transactions.
- Participated in community outreach events, representing the bank positively while establishing valuable business connections within the local market area.
- Engaged customers in needs-based conversations to identify opportunities and address banking plans and credit card needs.
- Increased customer satisfaction by providing personalized banking solutions and exceptional customer service.
- Identified opportunities for cross-selling financial products, resulting in higher revenue generation.
- Welcomed customers warmly to meet banking service and transactional needs with seamless execution.
- Contributed to a positive work environment by actively participating in team meetings and offering constructive feedback when appropriate.
- Streamlined account opening processes for improved efficiency and a better client experience.
- Reached out, generated appointments and built new relationships to grow business.
- Reduced transaction wait times through efficient multitasking and effective queue management techniques.
- Consistently met or exceeded individual performance goals, contributing significantly to overall branch success.
Shift Manager
Wawa, Inc
04.2009 - 07.2012
- Handled escalated customer issues effectively, demonstrating strong problem-solving skills while upholding company values and standards.
- Trained new employees on company policies, procedures, and job responsibilities, ensuring seamless integration into the team.
- Trained and mentored new employees to maximize team performance.
- Improved overall team performance by effectively delegating tasks and providing clear instructions.
- Promoted a positive work environment through open communication and constructive feedback.
- Supervised employees and oversaw quality compliance with company standards for food and services.
- Worked closely with team members to schedule breaks and shifts to meet state regulations.
- Excelled in every store position and regularly backed up front-line staff.
- Collaborated with other Shift Managers to maintain consistency in policies enforcement across all shifts, fostering a cohesive workplace culture.
- Achieved consistent customer satisfaction by addressing concerns promptly and professionally.
- Exercised composure under pressure and in escalated customer service scenarios.
Skills
- Training and mentoring
- Loan Underwriting
- Financial Counseling
- Risk evaluation
- Collections experience
- Loan Modification
- Performance Tracking
- Teamwork and Collaboration
- Problem-Solving
- Time Management
- Attention to Detail
- Leadership skills
- Multitasking
- Excellent Communication
- Customer service-focused
- Microsoft Office
- Self Motivation
Certification
Licensed to Sell Term Life Insurance in the Sate of Va
Timeline
Senior Personal Loan Specialist
OneMain Financial Services
03.2019 - Current
Assistant Manager
Regional Finance
11.2017 - 03.2019
Retail Banker
Woodforest Bank
11.2012 - 10.2017
Shift Manager
Wawa, Inc
04.2009 - 07.2012
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