Summary
Overview
Work History
Education
Skills
Timeline
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Valerie Snively

Carrollton,OH

Summary

Loan underwriter with 10 yrs of solid experience in financial services, applies strong problem-solving and decision-making skills in job tasks. Self-motivated with good understanding of evaluating credit history, financial stability and risks. Diligent individual with strong work ethic.

Maintained a work from home role for 6/yrs. Self motivated, accountable, disciplined and organized with Strong time management skills and dependability to work remotely. Strong customer service client interaction

Overview

17
17
years of professional experience

Work History

Underwriter/Quality Verification

Keybank
01.2017 - 09.2023
  • Calculated loan-to-value ratios and debt-to-income ratios, ensuring loans were within acceptable risk levels to control loss
  • Made sound decisions on loan approvals, denials and counteroffers
  • Examined credit reports, financial statements and tax returns to determine repayment capability.
  • Increased customer satisfaction through timely communication and efficient handling of loan applications.
  • Reviewed loan applications thoroughly, follow procedures and regulations to minimize fraud and applied all internal underwriting guidelines to ensure loan quality
  • Recalculate and reverify qualifying documentation and provide reports detailing any incorrect findings to be corrected before final approval.
  • Supported review, acceptance, or denial of new or renewal business after carefully reviewing all information.
  • Conducted regular audits of underwriting files to ensure accuracy, compliance, and consistency in decision-making processes.
  • Ensured compliance with regulatory requirements through diligent monitoring of industry changes and updating internal policies accordingly.
  • Excellent communication skills, both verbal and written.

Lead Teller

Keybank
08.2015 - 01.2017
  • Provided exceptional customer service, resulting in increased loyalty among existing clients and referrals of new business opportunities from satisfied customers.
  • Maintained positive professional relationships with customers and coworkers
  • Partnered with management on completing control tasks in a timely manner, performed daily and monthly audits on all cash vaults and ATM's
  • Managed and resolved customer conflicts.
  • Implemented security measures to protect sensitive client information and financial assets from potential fraud or theft.
  • Assisted customers with setting up or closing accounts, completing loan applications, and signing up for new services.
  • Enforced compliance with bank regulations and policies to reduce financial risks.
  • Supported branch management in conducting audits, demonstrating attention to detail while verifying transactional records for accuracy.
  • Introduced customers to other bank team members to help meet financial needs.
  • Improved overall branch performance by sharing best practices and collaborating with coworkers to address areas of opportunity for growth.
  • Executed wire transfers, stop payments and account transfers.
  • Trained new hires on customer service policies and procedures.
  • Created teller schedule to keep weekly and weekend shifts properly staffed.
  • Demonstrated respect, friendliness and willingness to help wherever needed.
  • Excellent communication skills, both verbal and written.
  • Developed rapport with clientele by delivering personalized services that addressed specific financial needs.

Teller - Loan Officer

Minerva Area Federal Credit Union
02.2007 - 08.2015
  • Balanced cash drawer daily and resolved discrepancies to provide accurate data regarding cash flow.
  • Improved customer satisfaction by providing efficient and accurate transaction processing.
  • Processed customer transactions promptly, minimizing wait times.
  • Wrote and distributed customer correspondence.
  • Executed wire transfers, stop payments and account transfers.
  • Counted, verified and handled bank deposits and armored car transactions.
  • Answered customer inquiries regarding account balances, transaction history, services charges, and interest rates.
  • Followed up on customer complaints and provided solutions to enhance customer satisfaction.
  • Prepared comprehensive reports to management detailing key performance indicators related to loans processed, approved, denied, or withdrawn.
  • Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
  • Analyzed credit reports to determine eligibility of applicants and capacity for loan products.
  • Assisted clients in understanding complex financial documents required for completing their loan applications successfully.
  • Negotiated loan terms and conditions with customers to secure best deal.
  • Processed loan applications and monitored progress from start to finish.
  • Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
  • Self-motivated, with strong sense of personal responsibility.
  • Calculated debt-to-income ratios to determine maximum loan amounts and avoid overextending applicants.
  • Contacted customers via mail, telephone and email to relay acceptance or rejection of applications.
  • Prepared loan documents and explained terms to clarify loan conditions and requirements with applicants.

Education

Diploma -

Easton Area High School
Easton, PA
06.1984

Skills

  • Quality Assurance
  • Credit analysis
  • Client Relationship Building
  • Quality Control
  • Asset Statements
  • Analyzing data
  • Underwriting guidelines
  • Risk Assessment
  • Problem Resolution
  • Transaction Processing
  • Customer Service
  • Call Center Operations

Timeline

Underwriter/Quality Verification

Keybank
01.2017 - 09.2023

Lead Teller

Keybank
08.2015 - 01.2017

Teller - Loan Officer

Minerva Area Federal Credit Union
02.2007 - 08.2015

Diploma -

Easton Area High School

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Valerie Snively