Whitnee Clark
Orangeburg,South Carolina
Summary
Accomplished Loan Officer dependable in building customer base and exceeding business goals. Well-versed in loan products and customer engagement strategies. Pursues opportunities to build connections, increase bank revenue and cement loyalty.
Overview
9
9
years of professional experience
1
1
Certification
Work History
Loan Officer II /Member Service Representative
SC State Credit Union
Orangeburg, United States
03.2020 - Current
- 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.
- Complied with regulatory requirements of Bank Secrecy Act, Anti Money Laundering, OFAC, USA Patriot Act, Privacy Act and Community Reinvestment Act.
- Oversaw scheduling of timely loan closing to satisfy home builder and borrower needs.
- Reviewed loan files and updated to match current standards.
- Worked with underwriters to fix application problems and resolve issues.
- Fielded customer complaints and provided solutions.
- Explained different types of loans pertaining to client situations.
- Proactively identified solutions for customers experiencing credit issues.
- Monitored pipelines to track and log status of loans.
- Compiled closing packages for drafting and presentation accuracy.
- Explained very technical financial information to applicants in easy to understand language.
- Developed team communications and information for meetings.
- Maintained customer satisfaction with forward-thinking strategies focused on addressing customer needs and resolving concerns.
- Answered product and service questions, suggesting other offerings to attract potential customers.
- Provided primary customer support to internal and external customers.
- Collected and analyzed customer information to prepare product or service reports.
- Recommended products to customers, thoroughly explaining details.
- Maintained up-to-date knowledge of product and service changes.
- Increased efficiency and team productivity by promoting operational best practices.
- Trained staff on operating procedures and company services.
- Investigated and resolved customer inquiries and complaints quickly.
- Increased loans and earnings by establishing 45 new accounts in one month.
Teller
SC State Credit Union
Orangeburg, SC
03.2020 - Current
- Answered customer inquiries regarding account balances, transaction history, services charges and interest rates.
- Processed customer transactions promptly, minimizing wait times.
- Completed highly accurate, high-volume money counts via both manual and machine-driven approaches.
- Learned about customer's financial needs, established trust and optimized sales opportunities resulting in quality customer service.
- Reconciled cash drawer and resolved discrepancies.
- Built and strengthened customer relationships by leveraging excellent interpersonal and communication skills.
- Counted and packaged currency and coins.
- Provided customer records, account statements and copies of checks.
- Assisted customers with compromised debit cards and issued new credentials.
- Answered telephone inquiries on checking and savings accounts, loans and lines of credit.
- Educated customers on use of banking website and mobile apps.
Assistant Manager
Credit Central, LLC
Orangeburg, United States
06.2016 - 02.2020
- Monitored cash intake and deposit records, increasing accuracy and reducing discrepancies.
- Helped with planning schedules and delegating assignments to meet coverage and service demands.
- Offered hands-on assistance to customers, assessing needs and maintaining current knowledge of consumer preferences.
- Completed regular inventory counts to verify stock levels, address discrepancies and forecast future needs.
- Set and enforced policies focused on increasing team productivity and strengthening operational efficiency.
- Exercise training development as directed by the Manager and Supervisor, along with maintaining daily tabulation of Delinquency Report.
- Assume management of office responsibilities when needed which includes management of staff, credit extension. collection routine, organization, and management office assets.
- Assist in making monthly loan volume standards by soliciting loans over the telephone and at the counter.
Education
Bachelor of Science - Mathematics And Computer Science
Benedict College
Columbia, SC12.2012
Master of Arts - Mathematics Education
South Carolina State University
Skills
- Excellent Communication
- Analytical and Critical Thinking
- Multitasking Abilities
- Attention to Detail
- MS Office Specialist , SharePoint, Outlook
- Decision-Making
Certification
- Licensed Mortgage Loan Originator - NMLS#2240383
Timeline
Loan Officer II /Member Service Representative
SC State Credit Union
03.2020 - Current
Teller
SC State Credit Union
03.2020 - Current
Assistant Manager
Credit Central, LLC
06.2016 - 02.2020
Bachelor of Science - Mathematics And Computer Science
Benedict College
Master of Arts - Mathematics Education
South Carolina State University
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