TONYA VIRTUE

Work History

Loan Officer/Manager

San Angelo Federal Credit Union

01.2019 - Current

Lead Loan Officer for $38 million asset credit union offering consumer loan and mortgage products. Manage and train a staff of four in the loan department.
Perform administrative duties such as processing monthly credit bureau reporting, work up quarterly rate comparison study and prepare reports for monthly Board meeting. Other duties include responding to credit bureau disputes, collection calls and filing judgments on charged off accounts.
Conduct interviews, process consumer loan applications, review credit bureau data, and verify income, employment & references.
Assist members and answer questions related to their current or potential loan such as interest rates and terms, policies, and auto pricing/values.
Make sound lending decisions within approval limits while complying with company policies and Federal, State and local regulations to include TILA RESPA Integrated Disclosure rule (TRID).
Prepare presentations for loan approval outside of policy guidelines and/or over approval limits to Loan Credit Committee for further approval or denial of credit.
Process documentation necessary for properly executed contract to include signed loan application, note and security agreement and Deed of Trust when applicable; Verify supporting documentation for perfection of lien filing with appropriate government agencies.
Inform members of loan denials in writing and verbally as needed; Provide credit counseling.
Maintained strict confidentiality of bank records and client information.
Delivered exceptional customer service by promptly addressing client concerns and resolving issues as they arose during the lending process.

Executive Loan Assistant

Texas State Bank

01.2016 - 01.2019

Assistant to the Executive Vice President and Senior Vice President of Commercial Loans at a large commercial lender for Tom Green and outlying counties.
Prepare weekly Memorandums and Presentations for Loan and Discount Committee.
Create loan files; Schedule loan closings; Prepare documents for new loans and/or renewals of existing loans.
Work directly with Builders, Appraisers, Attorneys, Title Companies and Vendors in preparation of loan closings.
Prepare and complete the lien or deed filings with proper agencies.
Process line of credit and interim construction draw advances.
Track evidence of insurance on collateralized loans.
Assist customers with personal banking needs.

Loan Officer

1st Community Federal Credit Union

01.2013 - 01.2016

Conducted interviews, gathered necessary information, reviewed data, and verified income, employment & references.
Assisted members and answered questions related to their current or potential loan such as interest rates and terms, policies, and auto pricing/values.
Made sound lending decisions within approval limits while complying with applicable policies and regulations.
Submitted justification for loan approval outside of policy guidelines and/or over approval limits to Loan Review Committee for further approval.
Processed documentation necessary for properly executed contract to include signed loan application, note and security agreement; Verified supporting documentation for perfection of lien filing with appropriate government agencies.
Informed members and/or dealers of loan denials in writing and verbally as needed; Provided credit counseling.

Title Specialist

1st Community Federal Credit Union

01.2009 - 01.2013

Processed title work to ensure title transfers and perfection of liens are completed in a timely manner.
Payed associated fees and performed other clerical work related to filing liens within appropriate time limits.
Worked weekly paid off loans report; Released collateral liens and titles.
Oversaw evidence of insurance program to include distributing reports, updating insurance and responding to member and employee research requests.
Tracked both paper and electronic titles to ensure that each collateral loan requiring a lien was properly recorded. Worked exception reports to resolve lien and title issues.
Provided Letters of Guarantee on totaled vehicle losses working directly with the Insurance Adjuster on gathering information necessary for Insurance settlement. Filed GAP claims on totaled vehicle losses.
Provided leadership and supervision to part-time vault clerk.

Assistant Bookkeeper

Tom Green County Vehicle Registration

01.2007 - 01.2009

Responsible for opening vault and preparing office for daily operations; Verified funds collected by vehicle registration clerks and prepared reports of daily receipts by revenue category.
Entered receipts into department ledgers and prepared daily bank deposit and cash order.
Transferred funds electronically to appropriate government agencies and accounts. Processed State refunds as received.
Tracked and sent correspondence for insufficient checks received; Prepared and filed NSF packets with the Justice of the Peace Courts.
Reconciled monthly bank statements; Prepared monthly report for County Auditors.
Assisted Vehicle Title and Registration customers with proper filing of forms and fees.

Accounting Specialist

1st Community Federal Credit Union

01.2001 - 01.2007

Responsible for balancing reports for 5 ATM's daily. Assisted employees, members and non-members with any ATM disbursement issues and/or potential fraud.
Oversaw Bill Payer service; Assisting members and employees with any Bill Payer user issues.
Researched potential posting errors and corrections once identified.
Completed Bank Wire transfers and receipts daily.
Reconciled assigned general ledgers and prepared monthly reconciliation reports.

Summary

Overview

Work History

Loan Officer/Manager

Executive Loan Assistant

Loan Officer

Title Specialist

Assistant Bookkeeper

Accounting Specialist

Education

High School -

Vocational-Technical School - Word Processing

Skills

Accomplishments

Certification

Timeline

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