Tina DeGraffenreid
Bolivar,MO
Summary
Experienced portfolio manager that is detail-oriented with strong organizational skills and is a team player. Ability to handle multiple loans simultaneously with a high degree of accuracy.
Overview
21
21
years of professional experience
Work History
Commercial Loan Portfolio Manager
OakStar Bank
03.2021 - 07.2023
- Assisted customers with completing loan applications, financial statements, and other paperwork.
- Evaluated loan requests and documents to verify accuracy and completeness; monitoring the request from start to finish.
- Acted as a point of contact person for individuals requesting SBA and FSA financing, assisting them throughout the entirety of the loan process.
- Reviewed credit reports, financial statements and business prepared statements.
- Calculated loan applicant debt ratios, income and terms and payments to determine financial stability of applicants to repay loan.
- Obtained sales contracts, appraisals, titles and deeds to effectively underwrite real estate loans.
- Review and critique financial projections submitted by the borrower to ensure that the loans underwriting is not only accurate, but conservative.
- Prepared detailed LAD's to present analysis of client creditworthiness using Sageworks Software, along with Microsoft Suites.
- Assisted customers with improving their financial health by proactively identifying issues that may negatively impact their credit.
- Maintained compliance with laws and regulations governing consumer and commercial loans.
- Managed multiple customer loans at any given time; consisting of new request, as well as all renewals.
- Reviewed the past due report daily, relaying any trends and/or concerns directly to the loan officer.
- Developed and maintained relationships with customers to build trust and promote customer loyalty for their lending needs.
Loan Assistant
Mid-Missouri Bank
07.2017 - 03.2021
- Assembled loan packages for borrowers, including the appropriate disclosures, based on the type of loan requested.
- Reviewed application files to check for completion and compliance with institutional standards.
- Verified borrowers personal information to maintain accurate CIF accounts.
- Ordered information such as credit reports, title policies and property appraisals on real estate secured loans.
- Supported loan officers in requesting final loan documents by submitting complete and accurate loan packages, within a timely manner, to Credit Administration.
- Recorded Deeds of Trust, with the appropriate county, for real estate secured loans; as well as filing Notice of Liens for motor vehicle secured loans.
- Prepared and mailed customer correspondence requesting updated documentation for upcoming renewals.
- Posted loan payments daily
- Reviewed and process paid loans on a weekly basis, mailing original paid note to the borrower along with an appropriate release related to the loans collateral.
Credentialing Specialist
Citizens Memorial Healthcare
08.2015 - 07.2017
- Enrolled providers and clinic locations with MO Medicaid, Medicare and private insurance companies.
- Obtained NPI numbers for providers and facilities, as well as update existing profiles of any necessary changes.
- Verified providers board certifications, along with any specialty training certificates.
- Reviewed insurance companies websites to ensure our providers and facilities were accurately loaded within their system.
- Performed audits to ensure that our providers and facilities were receiving proper reimbursement for services rendered.
Reimbursement Representative II
Citizens Memorial Healthcare
07.2004 - 08.2015
- Verified insurance of patients to determine eligibility.
- Communicated with insurance providers to resolve denied claims and resubmitted.
- Generated reports and analyzed trends to maximize reimbursement and reduce claim denials.
- Prevented financial delinquencies by working closely with managers to resolve billing issues before becoming unmanageable.
- Utilized electronic medical record systems to store, retrieve and process patient data.
- Adhered to established standards to safeguard patients' health information.
- Posted payments and collections on regular basis.
Office Associate
Parkview Bone & Joint Clinic / CMH
09.2002 - 07.2004
- Greeted incoming patients professionally and provided friendly, knowledgeable assistance.
- Answered multi-line phone system
- Scheduled new patient appointments, as well as follow-up visits.
- Completed clerical tasks such as filing, copying, and distributing mail.
- Kept patient records current and accurate to stay on top of changing information to ensure timely billing of services rendered.
Education
High School Diploma -
Wheatland RII
Wheatland, MO05.1995
Skills
- Portfolio Management
- Loan Underwriting
- Compliance Knowledge
- Microsoft Suites
- Time Management
- Attention to Detail
- Organizational Skills
Timeline
Commercial Loan Portfolio Manager
OakStar Bank
03.2021 - 07.2023
Loan Assistant
Mid-Missouri Bank
07.2017 - 03.2021
Credentialing Specialist
Citizens Memorial Healthcare
08.2015 - 07.2017
Reimbursement Representative II
Citizens Memorial Healthcare
07.2004 - 08.2015
Office Associate
Parkview Bone & Joint Clinic / CMH
09.2002 - 07.2004
High School Diploma -
Wheatland RII
Similar Profiles
Kaitlyn WittharKaitlyn Witthar
Consumer Experience Specialist at OakStar BankConsumer Experience Specialist at OakStar Bank
Joshua CottenJoshua Cotten
Central Operations Specialist at ANB BankCentral Operations Specialist at ANB Bank
Knarik Inna AghajanyanKnarik Inna Aghajanyan
Customer Service Representative III at HomeStreet Bank Bank, formerly Bank of OswegoCustomer Service Representative III at HomeStreet Bank Bank, formerly Bank of Oswego