Summary
Overview
Work History
Education
Skills
Timeline
Generic

Valerie Lindley

Dickinson,ND

Summary

Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals. Hardworking and passionate with strong organizational skills eager to secure entry-level Administrative Assistant - Public Works. Ready to help team achieve company goals. Ability to handle multiple projects simultaneously with a high degree of accuracy. Detail-oriented team player with strong organizational skills. Ability to handle multiple projects simultaneously with a high degree of accuracy.

Overview

25
25
years of professional experience

Work History

Farm Loan Officer Trainee (FLOT)

USDA Farm Service Agency
07.2022 - 11.2023
  • Currently in the process of completing Farm Loan Officer Training Program.
  • Provide technical advice, guidance and credit counseling to loan applicants and borrowers.
  • Making, Servicing and supervising Direct and Guaranteed loans.
  • Developed strong relationships with customers through high levels of customer service.
  • Assisted customers in understanding loan terms and conditions to make informed decisions.
  • Maintained strict confidentiality of bank records and client information.
  • Originated, reviewed, processed, closed, and administered customer loan proposals.
  • Monitored performance of existing loan portfolios to identify and address any issues.
  • Examined customer loan applications for loan approvals and denials.
  • Recommended loan approvals and denials based on customer loan application reviews.
  • Compiled database of loan applicants' credit histories, financial statements and other financial information.
  • Evaluated loan requests and documents to verify accuracy and completeness.
  • Processed loan applications and monitored progress from start to finish.
  • Assisted customers with completing loan applications and other paperwork.
  • Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
  • Analyzed potential risks and evaluated loan products to identify suitable options for customers.
  • Approved loan applications based on customer creditworthiness and provided detailed financial advice.
  • Compiled closing packages for drafting and presentation accuracy.
  • Established plans and payoffs for customers' loans, prioritizing control of overall costs.
  • Monitor Real Estate Taxes and Insurance Polices.
  • Community Outreach
  • Experience working with diverse audience and tribal governments.
  • Received State Executive Director delegation of Chattel Appraisal Authority ans Administrative Real Estate Appraisal Authority.

Farm Loan Analyst

USDA Farm Service Agency
11.2019 - 07.2022
  • Conduct interviews with loan applicants, review loan applications, and made preliminary inquiries to develop factual information to assess eligibility of applicants.
  • Provided technical advice, guidance, and credit counseling to loan applicants and borrowers.
  • Applied knowledge of farm financing and credit, financial management concepts and practices, farm operations, land use and value, production and marketing of various crops and livestock, prices and markets in serviced farming areas.
  • Evaluated loan requests and documents to verify accuracy and completeness.
  • Processed loan applications and monitored progress from start to finish.
  • Assisted customers with completing loan applications and other paperwork.
  • Ran all reports for direct and guarantee loans.
  • Answered phone calls, handled in and out mail.
  • Trained and participated in completion of FSA-851 and used NEPAssist, FEMA Flood Maps, IPAC reports, TDAT Tribal environmental screening.
  • Ordered real estate appraisals in National Appraisal Tracking System (NATS) and was trained to review real estate appraisals.
  • Training in completion of chattel appraisal and participated in completion of chattel appraisals by determining values of chattel based market value and area auction results.
  • Developed comprehensive understanding of lien position to ensure FSA had proper lien priority and insurance and government payment assignments.
  • Administered all clerical operations of office.
  • Developed very high level of competency in wide array of software programs related to office management task such as Excel, Microsoft Word, Microsoft Outlook, Power Point, Microsoft access/Teams.
  • Completed FLOT Phase 1 training as required for Loan Analyst position.

Farm Loan Program Technician (GS 7 10)

USDA Farm Service Agency
10.1998 - 11.2019
  • I prepared complete agricultural loan files, reviewing forms for completeness and correctness of legal descriptions and security position, noting problems for review by higher loan official.
  • Assisted Farm Loan Manager/Officer and performed wide range of lending activities which included: day to day operations in office answering phones, payments, getting payoffs for bank or borrowers, opening mail, letters to borrowers.
  • I helped with training of new Loan Analyst that have been hired in a few different offices.
  • My knowledge of delivery of loan making and servicing activities. Provided timely responses to written inquiries, correspondence, reporting and data request from customers by established due dates or agreed upon deadlines.
  • Written communication products and materials were clear, concise, and understandable.
  • Was responsible for assisting in formulation and implementation of Farm Loan Programs, Policies, and Procedures.
  • I Initiated and processed loan applications and servicing items through Direct Loan System (DLS), expert of NITC, Electronic Funds Transfer (EFT), Guaranteed Loan System (GLS), and ADPS legacy software still utilized for Farm Loan inquiries.
  • Prepared loan processing and servicing documents, (Financing Statements, Security Agreements, Real Estate Mortgages, Real Estate Tax info, Promissory Notes),
  • Closed loans and subordinations reviewing insurance coverage, assignments, repayment and security agreements, FSA requirements to follow, development plan and supervisory farm visits.
  • Review closing (Chattel and Real Estate) for conformance to regulations and proper completion of security position.
  • Determined lien priority, disburse funds.
  • Completed Real Estate inspections, and completed Environmental forms, ordered Real Estate appraisals.
  • Completed farm visit inspections and Chattel appraisals.
  • Attended annual continuing education seminars to obtain updated information on program services.
  • Contacted program applicants and obtained required enrollment information, documentation and signatures.
  • Used computers to generate and process automated program forms.
  • Exercised delegation of authority with respect to countersigning borrower checks, use of loan funds, release security property, and signing correspondence.
  • Notary Public and provided notary services when needed.
  • Complied updated information of borrower accounts, monitored automated tracking system.
  • Performed debt servicing functions for Farm Loan Programs. Initiated correspondence, telephone, and personal contact after reviewing delinquency reports.
  • Reviewed loan payments of current and delinquent borrowers.
  • Independently checked public records for legal descriptions, prior liens, and FSA lien positions when RE Mortgages were needed as additional security.
  • Performed lien searches and filed initial and continuations of Financing Statements with North Dakota Secretary of states system.
  • Monitor collection of funds, calculated interest and other charges as needed, computed loan payoffs and account information.
  • Determined appropriate loan accounts to be credited for borrower payments.
  • Completed audits of borrower loan accounts.
  • Independently released Crop and Chattel proceeds and applied funds.
  • Participated and organized Farm Loan Program outreach events, managing presentations and media components. Performed initial event scheduling and follow process through to completion.
  • Participated in group Outreach events as part of outreach team and acted sole in individual outreach events.

Education

High School Diploma -

White Shield High School
White Shield ND
05.1990

Skills

  • Financial Transactions Expertise
  • Credit
  • Experian Transact SM
  • Customer Service-Focused
  • Financial Analysis Aptitude
  • Loans
  • Friendly
  • Team Player
  • Customer service-focused

Timeline

Farm Loan Officer Trainee (FLOT)

USDA Farm Service Agency
07.2022 - 11.2023

Farm Loan Analyst

USDA Farm Service Agency
11.2019 - 07.2022

Farm Loan Program Technician (GS 7 10)

USDA Farm Service Agency
10.1998 - 11.2019

High School Diploma -

White Shield High School

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Valerie Lindley