Summary
Overview
Work History
Education
Skills
Languages
Timeline
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Tina Foster

Mart

Summary

Dynamic Loan Advisor with proven expertise in loan processing and client consultations at Cash Store. Skilled in credit evaluation and regulatory compliance, I excel in building strong client relationships and streamlining loan approvals. Recognized for enhancing operational efficiency and delivering exceptional customer service, I am committed to achieving optimal outcomes for clients.

Overview

13
13
years of professional experience

Work History

Loan Advisor

Cash Store
Hewitt
07.2024 - Current
  • Facilitated loan applications through thorough client consultations and needs assessments.
  • Evaluated credit histories to determine loan eligibility and risk factors.
  • Coordinated with underwriters to ensure timely processing of loan approvals.
  • Educated clients on loan products, terms, and repayment options available.
  • Developed strong relationships with clients to foster trust and communication.
  • Collaborated with team members to streamline loan processing procedures and enhance efficiency.
  • Provided guidance and advice on loan options to customers.
  • Verified customer information for accuracy and completeness in loan applications.
  • Facilitated the processing of approved loans by coordinating funding requests with lenders.
  • Prepared documents such as promissory notes, security agreements, and closing statements.
  • Assisted customers with questions or issues related to their existing loans or loan applications.
  • Maintained detailed records of all loan transactions from origination to closure.
  • Performed periodic reviews of customer accounts to identify areas of risk or potential fraud.
  • Monitored customer accounts, including payments, delinquencies, and other activities.
  • Ensured compliance with all federal, state, and local laws governing lending practices.
  • Set up debt payment plans based on client credit, income and assets.
  • Met with applicants to obtain information for loan applications and answer questions about processes.
  • Stayed abreast of lending regulations, industry trends and market rates.
  • Developed loan contracts and explained contract terms to clients.
  • Collaborated with company teams to expedite loan approval processes.
  • Listened carefully to customer complaints and swiftly resolved issues by taking appropriate action.
  • Reviewed client documentation and contracts for discrepancies and mistakes.
  • Updated client account information and records in company databases.
  • Helped customers make decisions about loans and lines of credit based on availability, terms and benefits.
  • Informed customers of loan application requirements and deadlines.
  • Reviewed loan agreements to verify completeness and accuracy according to applicable policies.
  • Evaluated and approved loan applications based on established criteria.

Loan Advisor

Cash Store
Waco
12.2022 - 07.2024
  • Facilitated loan applications through thorough client consultations and needs assessments.
  • Evaluated credit histories to determine loan eligibility and risk factors.
  • Coordinated with underwriters to ensure timely processing of loan approvals.
  • Educated clients on loan products, terms, and repayment options available.
  • Managed documentation for loan requests, ensuring accuracy and completeness.
  • Developed strong relationships with clients to foster trust and communication.
  • Analyzed market trends to provide informed advice on lending strategies.
  • Collaborated with team members to streamline loan processing procedures and enhance efficiency.
  • Provided guidance and advice on loan options to customers.
  • Verified customer information for accuracy and completeness in loan applications.
  • Facilitated the processing of approved loans by coordinating funding requests with lenders.
  • Prepared documents such as promissory notes, security agreements, and closing statements.
  • Reviewed credit reports for accuracy and completeness prior to approving any loans.
  • Assisted customers with questions or issues related to their existing loans or loan applications.
  • Maintained detailed records of all loan transactions from origination to closure.
  • Provided training sessions on proper lending procedures in accordance with company policies and regulations.
  • Advised customers on the most appropriate type of loan product for their specific situation.
  • Ensured compliance with all federal, state, and local laws governing lending practices.
  • Met with applicants to obtain information for loan applications and answer questions about processes.
  • Developed loan contracts and explained contract terms to clients.
  • Listened carefully to customer complaints and swiftly resolved issues by taking appropriate action.
  • Verified client financial information to determine creditworthiness and loan eligibility.
  • Approved or denied loan applications and explained reasoning behind decisions.
  • Updated client account information and records in company databases.
  • Informed customers of loan application requirements and deadlines.
  • Reviewed loan agreements to verify completeness and accuracy according to applicable policies.

Delivery Courier

FedEx
Hewitt
10.2021 - 11.2022
  • Assisted in managing daily store operations and staff scheduling.
  • Provided exceptional customer support, resolving inquiries and complaints efficiently.
  • Monitored sales performance and provided feedback to improve team productivity.
  • Resolved customer inquiries and complaints to ensure a positive shopping experience.
  • Oversaw daily cash handling procedures, reconciling discrepancies as necessary.
  • Ensured compliance with all safety regulations throughout the store premises.
  • Checked monthly sales and performance reports to support operational planning and strategic decision-making.
  • Led teams in planning, implementation and execution of merchandising and operating initiatives to streamline business effectiveness.
  • Developed strategies for increasing store profitability by analyzing financial data and implementing cost-saving measures.
  • Created promotional campaigns to increase brand awareness and attract new customers.
  • Completed thorough opening, closing, and shift change functions to maintain operational standards each day.
  • Answered customer questions and addressed problems and complaints in person and via phone.
  • Resolved customer complaints in a timely manner and addressed any issues that may arise during store hours.
  • Supervised cashiers in processing credit, debit and cash payments to streamline sales.
  • Supervised cash handling processes to ensure accuracy of transactions.
  • Answered inquiries from customers regarding investments.

Sales Associate

Sam's Club
Bellmead
09.2020 - 10.2021
  • Operated cash registers and processed transactions accurately and efficiently.
  • Provided excellent customer service, addressing concerns and resolving issues promptly.
  • Helped customers find specific products, answered questions, and offered product advice.
  • Greeted customers and provided exceptional customer service.
  • Performed cashier duties such as accepting payments, issuing receipts and counting money back change.
  • Upsold additional items based on customer interests and needs.

Sales Associate

Walmart
Woodway
08.2018 - 09.2020
  • Assisted customers with product selection and inquiries on the sales floor.
  • Operated cash registers and processed transactions accurately and efficiently.
  • Collaborated with team members to ensure smooth store operations daily.
  • Provided excellent customer service, addressing concerns and resolving issues promptly.
  • Helped customers find specific products, answered questions, and offered product advice.
  • Greeted customers and provided exceptional customer service.
  • Performed cashier duties such as accepting payments, issuing receipts and counting money back change.
  • Restocked shelves as needed to ensure sufficient inventory levels.
  • Built and maintained relationships with peers and upper management to drive team success.
  • Maintained up-to-date knowledge of store merchandise and policies.
  • Arranged new merchandise with signage and appealing displays to encourage customer sales and move overstock items.

Store Manager of Operations

Cefco Store
Mart
06.2017 - 08.2018
  • Managed daily store operations and ensured compliance with company policies.
  • Trained and supervised staff to enhance customer service skills and teamwork.
  • Oversaw inventory management to maintain stock levels and reduce waste.
  • Implemented merchandising strategies to optimize product displays and promotions.
  • Scheduled employee shifts to meet operational demands and improve efficiency.
  • Conducted regular store inspections for cleanliness, safety, and organization standards.
  • Resolved customer complaints effectively to maintain a positive shopping experience.
  • Collaborated with upper management on strategic initiatives for store growth.
  • Resolved customer complaints promptly and professionally.
  • Monitored stock levels regularly to avoid out-of-stock situations.
  • Identified areas of improvement in store operations processes.
  • Developed and maintained store policies, procedures and operations manual.
  • Evaluated employee performance on a regular basis to ensure quality standards were met.
  • Recruited, trained, coached and mentored staff members in customer service skills.

Department Manager

Walmart
Ennis
12.2012 - 06.2017
  • Supervised daily operations for multiple departments to ensure efficient service.
  • Managed inventory levels and conducted regular stock audits for accuracy.
  • Enforced safety protocols to maintain a secure shopping environment for customers.
  • Handled shift overstock, restocking and inventory control.
  • Supported shrinkage and safety awareness, reviewed sales and inventory data, identified trends and prepared reports for management.
  • Kept department on-target to meet sales and profit objectives by minimizing waste and pursuing revenue generation opportunities.
  • Worked closely with sales associates to complete tasks.
  • Performed opening and closing duties as part of management team and handled cash management.
  • Identified training needs among staff members and organized relevant workshops accordingly.
  • Grew department's team and technical capabilities with hiring and training of talented individuals.
  • Led team meetings to communicate targets, share updates, and gather feedback.

Education

Associate of Science - Nursing

McLennan Community College
Waco, TX
08-2024

GED -

Navarro College
Corsicana, TX
08-2016

Some College (No Degree) - Basics

Navarro College
Corsicana, TX

Skills

  • Patient care
  • Loan processing
  • Client consultations
  • Credit evaluation
  • Customer service
  • Documentation management
  • Team collaboration
  • Regulatory compliance
  • Loan structuring
  • Documentation review
  • Organizational skills
  • Multitasking
  • Creditworthiness determination
  • Communication skills
  • Oral and written comprehension
  • Credit policies
  • Application coordination
  • Contract negotiation
  • Remote video conferencing
  • Loan packaging
  • Time management abilities
  • Sales techniques
  • Bank product marketing
  • Professionalism
  • Loan application management
  • Risk assessment
  • Marketing strategy
  • Time management
  • Active listening
  • Financial transactions expertise
  • Financial analysis
  • Problem-solving
  • Cross-selling
  • Payment schedule computation
  • Regulatory disclosure preparation
  • Collections management
  • Loan origination
  • Decision-making
  • Reliability

Languages

English
Professional

Timeline

Loan Advisor

Cash Store
07.2024 - Current

Loan Advisor

Cash Store
12.2022 - 07.2024

Delivery Courier

FedEx
10.2021 - 11.2022

Sales Associate

Sam's Club
09.2020 - 10.2021

Sales Associate

Walmart
08.2018 - 09.2020

Store Manager of Operations

Cefco Store
06.2017 - 08.2018

Department Manager

Walmart
12.2012 - 06.2017

Associate of Science - Nursing

McLennan Community College

GED -

Navarro College

Some College (No Degree) - Basics

Navarro College

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Tina Foster