Tonya Lowe
Belfry,KY
Summary
Accomplished Loan Officer and HR Manager with a proven track record, showcasing exceptional analytical thinking and communication skills. Skilled in enhancing customer relationships and financial management, achieving significant improvements in loan processing efficiency and employee satisfaction. Demonstrates strong problem-solving abilities and teamwork, driving organizational success.
Overview
24
24
years of professional experience
Work History
Commercial, Consumer, and Mortgage Loan Officer
First National Bank of Williamson
11.2021 - Current
- Conducted interviews and reviewed financial history, credit and property evaluations of each customer.
- Maintained compliance with laws and regulations governing commercial loans.
- Obtained and reviewed corporate financial statements.
- Originated, reviewed, processed, closed, and administered customer loan proposals.
- Maintained strict confidentiality of bank records and client information.
- Assisted customers in understanding loan terms and conditions to make informed decisions.
- Negotiated loan terms to provide favorable outcomes for both customers and lenders.
- Examined customer loan applications for loan approvals and denials.
- Developed strong relationships with customers through high levels of customer service.
- Processed loan applications and monitored progress from start to finish.
- Approved loan applications based on customer creditworthiness and provided detailed financial advice.
- Monitored pipelines to track and log status of loans.
- Identified opportunities to cross-sell and upsell loan products to customers.
- Fielded customer complaints and provided solutions.
- Explained different types of loans pertaining to client situations.
Human Resources and Accounting Manager
S & E Enterprises, LLC/Hannah Companies
08.2014 - 11.2021
- Maintained payroll and benefits for 400 employees in various locations and five states.
- Maintained company compliance with local, state, and federal laws, in addition to established organizational standards.
- Structured compensation and benefits according to market conditions and budget demands.
- Collaborated with legal and compliance teams to review paperwork, obtain feedback, and procure available information for new training processes.
- Developed comprehensive process for new hires and reviewed new hire productivity, optimizing onboarding effectiveness.
- Managed journal entries, collection efforts, reconciliations, and payroll processing.
- Managed banking reconciliations and monthly balance sheet statements.
- Generated monthly and quarterly financial statements for executive review.
- Checked payroll, vendor payments, commissions and other accounting disbursements for accuracy and compliance.
- Prepared internal and regulatory financial reports, balance sheets and income statements.
- Performed banking, business administration and financial tasks to guarantee five-star service for clients.
Certified Pharmacy Technician
Hurley Drug Company
10.2009 - 11.2014
- Counted, measured and compounded medications following standard procedures.
- Communicated with prescribers to verify medication dosages, refill authorizations, and patient information.
- Answered incoming phone calls and addressed questions from customers and healthcare providers.
- Stocked, labeled, and inventoried medication to keep accurate records.
Hospital Clerk
ARH Hospital
10.2000 - 12.2006
- Worked with electronic health records software and database systems.
- Conducted patient intake interviews, recording and documenting relevant information.
- Registered and verified patient records before triage with most up-to-date information.
- Uploaded physician progress notes, history, and physicals into electronic medical records.
- Maintained confidentiality of all medical records and sensitive information to comply with HIPAA regulations.
Education
Bachelor of Science - Business Administration
Franklin University
Columbus, OH05.2023
Associate of Science - Business Accounting And Business Administration
Southern West Virginia Community And Technical College
Mount Gay, WV05.2017
Skills
- Analytical Thinking
- Problem-Solving
- Excellent Communication
- Time management abilities
- Teamwork and Collaboration
- Economics Understanding
Timeline
Commercial, Consumer, and Mortgage Loan Officer
First National Bank of Williamson
11.2021 - Current
Human Resources and Accounting Manager
S & E Enterprises, LLC/Hannah Companies
08.2014 - 11.2021
Certified Pharmacy Technician
Hurley Drug Company
10.2009 - 11.2014
Hospital Clerk
ARH Hospital
10.2000 - 12.2006
Bachelor of Science - Business Administration
Franklin University
Associate of Science - Business Accounting And Business Administration
Southern West Virginia Community And Technical College
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