TERRI A. BYASSEE
Ward,AR
Summary
Positive, analytical, and customer-focused professional with solid foundation in financial principles and consumer lending practices. Demonstrates strong skills in evaluating creditworthiness and managing loan applications, coupled with solid understanding of financial regulations. Committed to fostering positive client relationships and delivering tailored financial solutions that meet individual needs.
Overview
13
13
years of professional experience
Work History
Credit and Collections
First Security Bank
02.2024 - Current
- Maintained compliance with regulatory requirements in all aspects of the credit and collections function.
- Developed comprehensive reports for senior management, providing insights on key performance metrics within the credit and collections department.
- Fostered a positive work environment within the credit and collections team, promoting collaboration, support, and mutual respect among colleagues.
- Improved collections efficiency by maintaining accurate records of client communications and payment plans.
- Reduced outstanding debts by implementing strategic collections tactics and maintaining open lines of communication with customers.
- Improved customer satisfaction by effectively resolving delinquent accounts through negotiation and payment plans.
Mortgage/Consumer Loan Officer
Baptist Health FCU
07.2023 - 02.2024
- Evaluated loan requests and documents to verify accuracy and completeness.
- Monitored pipelines to track and log status of loans.
- Negotiated loan terms and conditions with customers to secure best deal.
- Assessed loan portfolios for compliance with underwriting policies.
- Analyzed potential risks and evaluated loan products to identify suitable options for customers.
- Developed and maintained relationships with customers, lenders and other third parties.
- Identified opportunities to cross-sell and upsell loan products to customers.
- Compiled closing packages for drafting and presentation accuracy.
Personal Banker III/Loan Specialist
Denver Fire Department FCU
06.2021 - 06.2023
- Evaluated loan requests and documents to verify accuracy and completeness.
- Monitored pipelines to track and log status of loans.
- Negotiated loan terms and conditions with customers to secure best deal.
- Assessed loan portfolios for compliance with underwriting policies.
- Analyzed potential risks and evaluated loan products to identify suitable options for customers.
- Developed and maintained relationships with customers, lenders and other third parties.
- Identified opportunities to cross-sell and upsell loan products to customers.
- Compiled closing packages for drafting and presentation accuracy.
Branch Supervisor
Colorado Credit Union
07.2017 - 06.2021
- Supervised the downtown Denver branch for the last 2 years
- Supervised the Englewood branch for 1 year before it closed
- Processed loans and new accounts
- Supervised employees
- Monthly audits of drawers, vaults, and ATM
- Monthly coaching for employees
- Involved in interviewing process
- Fostered the member-focused mission of the credit union
- My top priority is building relationships with our members and meeting all their needs
- Maintained member confidence through the protection of confidential member financial information and meticulously recording consumer transactions
- Process and approve IRA transactions, process RMDs and worked closely with Ascensus
SR. FSR/IRA Coordinator
Union Square Credit Union
05.2016 - 07.2017
- Fostered the member-focused mission of the credit union
- My top priority is building relationships with our members and meeting all their needs
- Maintained member confidence through the protection of confidential member financial information and meticulously recording consumer transactions
- Process and approve IRA transactions, process RMDs and worked closely with Ascensus
- Service ENJJPT personnel accounts
Branch Coordinator
Baptist Health Federal Credit Union
08.2015 - 05.2016
- Provided banking services for members including receiving deposits and loan payments, issuing checks, and maintaining member savings accounts
- Fostered the member-focused mission of the credit union
- My top priority is building relationships with our members and meeting all their needs
- Maintained member confidence through the protection of confidential member financial information and meticulously recording consumer transactions
- Completed office tasks such as answering multi-line phones, creating daily reports, reporting status of member IRAs
- Open and close branch daily
- Manage vault totals, ATM replenishments and balance vault and teller drawer.
Member Service Representative
Arkansas Employees Federal Credit Union
11.2012 - 08.2015
- Provided banking services for members including receiving deposits and loan payments, issuing checks, and maintaining member savings accounts
- Fostered the member-focused mission of the credit union
- My top priority is building relationships with our members and meeting all their needs
- Maintained member confidence through the protection of confidential member financial information and meticulously recording consumer transactions
- Completed office tasks such as answering multi-line phones, creating daily reports, reporting status of member IRAs
- Completed daily ACH and Share Draft reports as well as Debit Card Fraud reports
- Ordered ATM and Debit Cards for members
- Opened new accounts as well as worked on dormant account reports
Education
Computers (Excel, Microsoft Word, Word Perfect and Spreadsheet)
Arkansas State University - Beebe
05.1998
Graduate - Accounting, Typing, and Introduction to Computers
Des Arc High School
05.1997
Skills
- Workflow planning
- Credit and collections
- Critical Thinking
- Self-Motivated
- Attention to Detail
- Decision-Making
- Analytical and Critical Thinking
- NMLS
- Notary
- Consumer lending
- Customer service
- Team leadership
Work Type
Full TimeImportant To Me
Career advancementWork-life balancePaid time offHealthcare benefits401k matchPaid sick leaveCompany CultureQuote
Be the reason someone smiles today
Timeline
Credit and Collections
First Security Bank
02.2024 - Current
Mortgage/Consumer Loan Officer
Baptist Health FCU
07.2023 - 02.2024
Personal Banker III/Loan Specialist
Denver Fire Department FCU
06.2021 - 06.2023
Branch Supervisor
Colorado Credit Union
07.2017 - 06.2021
SR. FSR/IRA Coordinator
Union Square Credit Union
05.2016 - 07.2017
Branch Coordinator
Baptist Health Federal Credit Union
08.2015 - 05.2016
Member Service Representative
Arkansas Employees Federal Credit Union
11.2012 - 08.2015
Graduate - Accounting, Typing, and Introduction to Computers
Des Arc High School
Computers (Excel, Microsoft Word, Word Perfect and Spreadsheet)
Arkansas State University - Beebe
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