Leah J. Gilbert
Clinton
Summary
AREAS OF EXPERTISE/SKILLS
Experienced with indirect lending processes, including thorough credit analysis and risk assessment. Utilizes strong negotiation and communication skills to facilitate successful loan approvals and customer satisfaction. Knowledge of compliance and regulatory requirements ensures high standards and efficient loan operations.
Overview
23
23
years of professional experience
Work History
Indirect Loans
Tennessee Members 1st FCU
02.2002 - Current
- Build dealer relationships
- Make dealer visits to all dealers assigned
- Processes and decisions loans within assigned limits including but not limited to, inputting loan data in the computer, review of credit report, dealer contracts, membership documents and other supporting documents
- Interacts with dealers clarifying loan decisions as necessary
- Work after hours and weekend deals submitted
- Assists with revisions to and communicates changes of indirect loan procedures
- Works on special projects or assignment as appointed by management
- Performs duties of Indirect Loan Processor as needed
- Maintained compliance with federal regulations and company policies throughout the loan approval process.
- Handled escalated client issues effectively, leading to satisfactory resolutions and enhanced customer loyalty.
- Provided exceptional customer service, resulting in increased client satisfaction and retention rates.
Collections Officer
Tennessee Members 1st FCU
09.2012 - 03.2017
- Collect on all delinquent accounts within in the credit union
- Work with attorneys on bankruptcies, deaths, judgments, etc
- Workout payment plans to get members back on track
- Order all repossessions and prepare them for resale
- Skip trace members
- Balance collection GL's monthly
- Provide CEO with all monthly collection reports
- Trouble shoot problems within the loan department
- Order visa credit cards, perform all card holder maintenance
- Handle all Visa compromise events
- Set up credit card marketing events
- Set up new card bins when required
- Work program reports
- Set up new members in the program
- Collect on accounts past the grace period
- Handle member questions and issues with the program
- Order supplies needed for all branches
- Order credit union shirts for all branches
- Open new accounts when needed
- Responsible for backing up loan department when needed
- Create reports for employees on the Symitar system
- Assist VP of lending
- Open the building on scheduled weeks
Consumer Loan Officer
Tennessee Members 1st FCU
11.2007 - 09.2012
- Process and post loans
- Assist members with loan issues when they arise in person, over the phone and or email
- Assist VP of lending with monthly balancing
- Order visa debit and credit cards, perform all card holder maintenance, and solve debit and credit card disputes
- Handle all debit card fraud issues
- Work numerous credit card reports daily
- Responsible for assisting members with overseas transactions
- Work program reports
- Mail notices and letters daily
- Set up new members in the program
- Collect on accounts past the grace period
- Handle member questions and issues with the program
- Order all of the supplies needed for all branches
- Order credit union shirts for all branches
- Open new accounts when needed
- Responsible for backing up collections when needed
- Create reports for employees on the Symitar system
- Assist members with home banking and bill pay issues
Consumer Loan Processor
Tennessee Members 1st FCU
12.2006 - 11.2007
- Process loan applications, track Insurance on all secured loans, assist the Collection Department in collecting past due loans and bad checks, and back up for Visa Card Services
Teller Supervisor
Tennessee Members 1st FCU
07.2005 - 12.2006
- Supervise activity of teller operations, assisting with problem solving, helping with complex transactions and sensitive member relations
- Serve as vault teller, maintaining vault security and balancing the vault cash daily
- Ordering currency and verify when received
- Audit all tellers monthly, investigate teller losses and teller errors
- Compliance of the Teller Incentive Program
- Evaluate the job performance and subordinations
- Scheduling vacation for all Member Service Representatives
- Training all new Member Services Representatives
- Back up for Member Services Officers and Switchboard Operator when need
Teller
Tennessee Members 1st FCU
02.2002 - 07.2005
- Post deposits, withdrawals, loan and Visa card payments, transfers to and from member accounts
- Issues and sell money orders, process Travelers Cheques along with Cashier's Checks, MICR Quick Checks
- Distribute discount tickets, issue stop payment requests on share drafts and/or ACH items
- Complete outgoing wire forms, set member accounts up for ART/home banking and/or re-set member passwords
- Retrieve check copies and/or statement copies/print-outs
- Write up mail and night drop and/or post mail and night drop
- Provide member access to safe deposit box, balance teller totals
- Prepare daily work for the accounting department, prepares the daily check deposit
- Remit money orders weekly, balance Visa cash advance machine weekly
- Process verification of deposits, as we receive them
- Collect NSF checks drawn off of other financial institutions prepare and mail delinquency notices
- Back-up new accounts, IRA's and CD's
Skills
- Adaptive learning
- Documentation review
- Loan underwriting
- Member-focused
- Problem-solving
Timeline
Collections Officer
Tennessee Members 1st FCU
09.2012 - 03.2017
Consumer Loan Officer
Tennessee Members 1st FCU
11.2007 - 09.2012
Consumer Loan Processor
Tennessee Members 1st FCU
12.2006 - 11.2007
Teller Supervisor
Tennessee Members 1st FCU
07.2005 - 12.2006
Indirect Loans
Tennessee Members 1st FCU
02.2002 - Current
Teller
Tennessee Members 1st FCU
02.2002 - 07.2005
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