Summary
Overview
Work History
Education
Skills
Timeline
Generic

Teresa Richards

Summary

Proven leader and analytical thinker from Allegacy FCU, adept at enhancing customer satisfaction and minimizing losses through meticulous credit evaluation. Consistently providing exceptional customer service, delivered results by identifying risks and expanding dealer sales. Cultivated strong relationships and motivated teams towards peak performance.

Overview

26
26
years of professional experience

Work History

Sr. Indirect Lending Underwriter (remote)

Allegacy FCU
05.2021 - 09.2021
  • Observed all regulatory, compliance and security policies and procedures to keep data as safe as possible from breaches.
  • Monitored pipelines to track and log status of loans.
  • Supervised loan personnel and motivated to maintain customer service and performance standards.
  • Proactively identified solutions for customers experiencing credit issues.
  • Compiled closing packages for drafting and presentation accuracy.
  • Worked closely with our dealer representative to maintain gold relationships with our 250 plus dealer base and handle any issues that may arise.
  • Handled any and all indirect lending needs.
  • Handled any member complaints.
  • Handled any dealer complaints or second looks.
  • Handled any issues with call-backs dealers may have or any questions they may have in regards to documentation we may accept.
  • Basically handle anything that comes up needing attention.

Supervisor Indirect Lending Dept/Underwriter

Allegacy FCU
04.2017 - 05.2021
  • Worked with underwriters to resolve any application problems.
  • Reviewed loan files and updated to match current standards.
  • Fielded customer complaints and provided solutions.
  • Planned and dealt with any issues our dealer partners may have.
  • Minimized losses by being very adept at identifying identity theft and/or straw purchases.
  • Conducted performance evaluations for staff members, identifying areas of improvement and guiding professional development plans.
  • Mentored junior staff members in their career development, sharing knowledge from years of experience in the field.
  • Cultivated strong relationships with key dealerships through consistent communication and excellent service delivery.
  • Maintained compliance with company policies, objectives, and communication goals.
  • Conducted regular spot audits of deals to verify customer satisfaction, straw purchases, and any cross sale opportunities.

Indirect Loan Underwriter

Allegacy FCU
04.2010 - 04.2017
  • Handled customer complaints with relative ease by conducting research, listening carefully and taking appropriate action.
  • Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
  • Developed prospects for new loans by conducting cold calls weekly.
  • Created strategies to develop and expand existing dealer sales, resulting in increase in annual sales.
  • Worked to maintain outstanding attendance record, consistently arriving to work ready to start immediately.
  • Resolved problems, improved operations and provided exceptional service.
  • Enhanced customer satisfaction by providing timely and accurate loan decisions based on comprehensive analyses.
  • Reduced delinquency rates through meticulous evaluation of borrower creditworthiness and adherence to underwriting guidelines.
  • Minimized losses by identifying potential risks in the early stages of the loan application process.
  • Provided exceptional customer service throughout the loan origination process, addressing inquiries and concerns promptly.
  • Balanced multiple priorities while managing high volumes of loan applications during peak periods, consistently meeting deadlines without compromising quality or accuracy.
  • Conducted regular audits of approved loans to ensure adherence to established guidelines and identify areas for improvement.

Indirect Lending Funder

Allegacy FCU
01.2003 - 04.2010
  • Handled customer complaints with relative ease by conducting research, listening carefully and taking appropriate action.
  • Worked closely with dealers to collect any missing documentation to ensure fast funding.
  • Assisted customers with completing loan applications and other paperwork.
  • Observed all regulatory, compliance and security policies and procedures to keep data as safe as possible from breaches.
  • Worked to maintain outstanding attendance record, consistently arriving to work ready to start immediately.
  • Quickly learned new skills and applied them to daily tasks, improving efficiency and productivity.
  • Created plans and communicated deadlines to ensure projects were completed on time.
  • Used coordination and planning skills to achieve results according to schedule.

Student Loan Officer/Equity,Mtg Processor Etc

Allegacy FCU
09.1995 - 01.2003
  • Received and reviewed incoming documents and materials.
  • Originated, reviewed, processed, closed and administered customer loan proposals.
  • Entered data into computer tracking system and filed paperwork according to procedures.
  • Recommended loan approvals and denials based on customer loan application reviews.
  • Maintained strict confidentiality of bank records and client information.
  • Advised clients on mortgage, education and personal loans.
  • Researched and resolved discrepancies to maintain accuracy.
  • Developed and maintained relationships with local real estate agents.
  • Complied with regulatory requirements of Bank Secrecy Act, Anti Money Laundering, OFAC, USA Patriot Act, Privacy Act and Community Reinvestment Act.
  • Assisted senior-level credit officers with complex loan applications.
  • Interacted regularly with peers and management to pursue continuous improvement of facility operations and promote teamwork-focused environment.
  • Reduced errors with meticulous attention to detail and thorough review of documentation.
  • Maintained accurate records and ensured timely completion of all necessary paperwork.
  • Provided outstanding customer service by promptly addressing inquiries and resolving issues.
  • Supported team members in their tasks, contributing to overall team success.
  • Adhered to strict deadlines for processing applications, ensuring timely approvals and client satisfaction.

Education

Cosmetology - Cosmetology

Hazard Community And Technical College
Hazard, KY
04.1986

High School Diploma -

Whitesburg High School
Whitesburg, KY
06.1983

Skills

  • Proficient in 10-key
  • Customer service
  • Leadership
  • Multitasking abilities
  • Flexible & Adaptable
  • Compassion
  • Computer proficiency
  • Analytical skills
  • Self-motivated professional
  • Adaptability
  • Allegro/Dills

Timeline

Sr. Indirect Lending Underwriter (remote)

Allegacy FCU
05.2021 - 09.2021

Supervisor Indirect Lending Dept/Underwriter

Allegacy FCU
04.2017 - 05.2021

Indirect Loan Underwriter

Allegacy FCU
04.2010 - 04.2017

Indirect Lending Funder

Allegacy FCU
01.2003 - 04.2010

Student Loan Officer/Equity,Mtg Processor Etc

Allegacy FCU
09.1995 - 01.2003

Cosmetology - Cosmetology

Hazard Community And Technical College

High School Diploma -

Whitesburg High School

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Teresa Richards