Tracie Cox

Loan Officer

Central Carolina Bank

Charlotte , NC

08.1996 - 08.2002

Submitted loan applications to underwriter for verification and recommendations.
Originated, reviewed, processed, closed and administered customer loan proposals.
Recommended loan approvals and denials based on customer loan application reviews.
Maintained strict confidentiality of bank records and client information.
Reviewed and edited loan agreements to promote efficiency and accuracy.
Complied with regulatory requirements of Bank Secrecy Act, Anti Money Laundering, OFAC, USA Patriot Act, Privacy Act and Community Reinvestment Act.
Advised clients on mortgage, education and personal loans.
Compiled database of loan applicants' credit histories, corporate financial statements and other financial information.
Developed and maintained relationships with local real estate agents.
Closely monitored performance of current portfolio of specialty loans and made changes to achieve performance targets.
Proactively identified solutions for customers experiencing credit issues.
Handled customer complaints with relative ease by conducting research, listening carefully and taking appropriate action.
Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
Monitored pipelines to track and log status of loans.
Assisted clients with improving financial health by counseling on issues such as excessive spending and borrowing.
Explained very technical financial information to applicants in easy to understand language.
Established plans and payoffs for customers' loans, prioritizing control of overall costs.
Compiled closing packages for drafting and presentation accuracy.
Assessed aging accounts and initiated collection strategies based on conditions.