Torese Silver
Ruther Glen,VA
Summary
Proven Loan Specialist with a track record of enhancing loan processing efficiency and customer satisfaction at in role with Atlantic Union Bank as well as with the current role within USDA. Skilled in credit analysis and effective communication, consistently exceeding sales targets by prioritizing client relations and rigorous documentation review. Achieved significant reductions in loan approval turnaround times, leveraging expertise in loan servicing and underwriting.
Overview
19
19
years of professional experience
Work History
Loan Specialist
United States Department of Agriculture, USDA
06.2022 - Current
- Reduced turnaround time for loan approvals by efficiently managing workload and prioritizing tasks.
- Enhanced customer satisfaction levels with clear communication and timely follow-ups on loan applications.
- Consistently met or exceeded monthly sales targets, contributing significantly to the department''s success.
- Resolved complex issues related to existing loans, effectively retaining clients while addressing concerns promptly.
- Assisted in the development of training materials for new Loan Specialists, contributing to overall team success.
- Collaborated with underwriters to ensure accurate evaluation of creditworthiness and risk assessment.
- Conducted thorough reviews of financial data for precise analysis of clients'' financial health prior to granting loans.
- Explained very technical financial information to applicants in easy to understand language.
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
- Observed regulatory, compliance and security policies and procedures to keep data as safe as possible from breaches.
- Effectively managed time and resources to maintain a high level of productivity while ensuring attention to detail in every aspect of the loan process.
- Examined customer loan applications for loan approvals and denials.
- Developed strong relationships with customers through high levels of customer service.
Consumer Lending Processor II
Atlantic Union Bank
03.2017 - 03.2022
- Increased efficiency within the department by identifying areas for improvement in the workflow/processes for consumer lending applications.
- Achieved a high level of customer satisfaction with prompt communication regarding loan status updates or additional required documentation.
- Assisted in implementing new policies or procedures to improve departmental productivity and efficiency while maintaining strict compliance with industry regulations.
- Played an active role in continuous improvement initiatives by providing constructive feedback on processes, systems, and tools related to consumer lending processing tasks.
- Verified credit histories, personal references and employment backgrounds for each applicant.
- Prepared loan documents and explained terms to clarify loan conditions and requirements with applicants.
- Stayed up to date on loan regulation changes, processing loan applications in compliance with current laws.
- Provided professional advice on loan applications by interviewing applicants, reviewing applications and verifying information gathered.
- Readied Truth-in-Lending Disclosures for loan applicants, delivering important information about loan APR and repayment terms.
- Calculated, reviewed and corrected errors on interest, principal and closing costs.
- Consistently met or exceeded performance metrics related to application processing speed, accuracy, and quality assurance measures.
- Maintained a high level of accuracy in data entry, ensuring the integrity of all information entered into the system.
- Provided exceptional customer service, resolving inquiries and addressing concerns promptly and professionally.
- Ensured compliance with regulatory requirements through diligent attention to detail and thorough document review.
- Participated in regular team meetings to discuss challenges faced, share insights, provide feedback on system improvements, or suggest new initiatives that could enhance the overall consumer lending experience.
- Assisted in developing departmental training materials, enhancing overall team knowledge and expertise in consumer lending processes.
Consumer/Commercial Loan Review Specialist
Atlantic Union Bank
01.2015 - 03.2017
- Leveraged technology to enhance review processes, resulting in time savings and improved accuracy rates.
- Implemented best practices for documentation management, ensuring easy access to critical information when needed.
- Managed a high volume of reviews within tight deadlines, ensuring timely completion and client satisfaction.
- Successfully managed multiple competing priorities, balancing workload and ensuring consistent delivery of high-quality reviews.
- Conducted root cause analysis on recurring issues encountered during reviews; proposed viable solutions that led to long-term improvements.
- Collaborated with cross-functional teams to improve overall review efficiency and effectiveness.
- Identified areas of improvement in operational workflows, leading to increased productivity and reduced errors.
- Mentored junior review specialists, fostering professional growth and development within the team.
- Promoted a positive work environment by facilitating open discussions and encouraging feedback from team members.
- Contributed to continuous improvement initiatives by participating in process assessments and offering actionable suggestions for enhancement opportunities.
- Evaluated existing procedures against regulatory requirements, identifying gaps and recommending improvements where necessary.
Title Release Specialist
Atlantic Union Bank
07.2012 - 01.2015
- Managed risks associated with releases by implementing thorough testing and quality assurance measures.
- Assisted in training new employees on release procedures, contributing to their professional growth within the organization.
- Developed detailed release plans, resulting in a more organized and efficient workflow.
- Implemented change management best practices, reducing disruption caused by new system implementations or updates.
- Monitored release performance to identify areas of improvement and implement corrective actions.
- Verification and review of various collateral secured loan documents and the supporting documentation of the loan paperwork received and uploaded into our internal records system.
- Processing insurance claim request for vehicles deemed total loss by companies who represent our mutual customers.
- The receipt and processing of out of state title claims request and the documentation of each request once Virginia title has been sent and the out of state title is received to replace the vehicle title previously on record.
Loan Services Support Team /Document Imaging Specialist
Atlantic Union Bank
06.2011 - 07.2012
- Labeled and shipped records to cold storage facilities as per personnel requests.
- Enhanced data security by ensuring proper storage and backup of important documents and files.
- Streamlined workflow through the digitization and conversion of paper documents into electronic formats.
- Facilitated communication between departments by sharing digitized documents as needed for various projects or requests.
- Elevated customer satisfaction levels by addressing inquiries related to document retrieval or access promptly and professionally.
- Participated in departmental audits, demonstrating strong adherence to established protocols regarding document management processes and standards.
- Reduced processing time by accurately indexing, coding, and maintaining records in a timely manner.
- Managed multiple priorities effectively, ensuring all assigned tasks were completed accurately and on time.
- Performed quality assurance checks on scanned images, making necessary adjustments for clarity or accuracy as needed.
- Assisted project managers with special assignments involving data analysis or research tasks using digital archives as a resource base when required.
- Continuously improved personal knowledge and skills related to document imaging technologies through regular training opportunities and professional development.
- Supported business continuity planning efforts by providing accurate record-keeping services through the timely updating of digital archives.
- Trained new employees on best practices for document scanning, indexing, and quality control procedures.
Deposit Services Representative
Atlantic Union Bank
02.2006 - 06.2011
- Streamlined account opening procedures, resulting in reduced wait times for customers.
- Contributed to a positive work environment through effective communication, teamwork, and professionalism.
- Supported branch operations by completing administrative tasks such as filing paperwork and generating reports.
- Managed high volumes of transactions daily while maintaining speed and accuracy under pressure.
- Participated in regular staff meetings to share insights on performance metrics, industry trends, and ways to enhance deposit services offerings.
- Assisted in training new employees on bank systems and protocols, ensuring consistency in service delivery.
- Achieved high levels of accuracy in transaction processing by staying vigilant and detail oriented.
- Conducted regular audits of deposit accounts to ensure accuracy and prevent fraud.
- Educated customers on available banking products and services, increasing cross-selling opportunities.
- Handled sensitive customer information with discretion, adhering to privacy regulations and protecting client confidentiality.
- Maintained strict adherence to regulatory compliance guidelines, minimizing risk for the institution.
- Educated customers on online banking and mobile banking applications.
- Cross-sold credit cards, loans and other bank products.
- Trained new hires on customer service policies and procedures.
Education
High School Diploma -
Caroline High School
Milford, VA05.2006
Skills
- Client Relations
- Telephone and email etiquette
- Effective Communication
- Loan Servicing
- Payment Scheduling
- Documentation Review
- Loan Underwriting
- Credit analysis
- Loan Origination
- Mortgage lending
- Loan Processing
- Collateral Evaluation
Timeline
Loan Specialist
United States Department of Agriculture, USDA
06.2022 - Current
Consumer Lending Processor II
Atlantic Union Bank
03.2017 - 03.2022
Consumer/Commercial Loan Review Specialist
Atlantic Union Bank
01.2015 - 03.2017
Title Release Specialist
Atlantic Union Bank
07.2012 - 01.2015
Loan Services Support Team /Document Imaging Specialist
Atlantic Union Bank
06.2011 - 07.2012
Deposit Services Representative
Atlantic Union Bank
02.2006 - 06.2011
High School Diploma -
Caroline High School
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