Steven Reppe Email & Phone Number

Raleigh, North Carolina, United States

Raleigh-Durham, North Carolina Area

Description: In this role, I manage account inquiries and conduct maintenance for customers in the matters of fees, checks, debit and credit cards, loans, monetary transfers, and ATM transactions. I process domestic and international wire transactions, open share money market and checking accounts, share term certificates, and advise on IRA accounts. Additionally, I provide consultative support for clients on full range of Credit Union products. I efficiently complete 80+ phone inquiries daily and maintain files in perfect order. Given my consistent motivation to grow and develop new skills, I successfully completed 15 prerequisite tests to start lending training, leading to becoming a lending officer with responsibilities to manage credit card, personal, and auto loans.

Tempe, Arizona

Description: I reviewed, analyzed, underwrote, and approved large, unusual or complex consumer requests and products within company and industry guidelines (HARP and conventional loans with approval signature of $1,000,000). I evaluated and ensured overall loan transaction accuracy, completeness, and compliance; reviewed financial statements, credit reports, applicable ratios, and corporate and individual tax returns; implemented fraud detection techniques; and verified consistency of information on applications to meet lending requirements. Where applicable, I assisted with re-negotiation of loans.Accomplishments: I demonstrated high loyalty and quality scores. Being an excellent communicator, I consistently ensured superb customer service by staying in touch with clients, collecting information necessary to make credit decisions, and providing rational explanation behind credit decisions. I received bonuses and promotions in recognition for productivity, loyalty, customer satisfaction, and quality of files. As a team player, I made valuable contributions and took on extra responsibilities in reporting. I received recognition form the management for leadership potential and worked on 4C loans, the highest risk class in underwriting for conventional loans.

Phoenix, Arizona

Description: In this position, I reviewed 15-20 loans daily for modifications on bankruptcy and foreclosure accounts. I analyzed tax returns, preliminary title reports, and appraisals; established, modified, and cleared conditions to meet Lender/Investor Guidelines; and evaluated risk characteristics, financial ability, and credit worthiness. I recommended and approved appropriate loan workouts for home equity accounts. Leadership & Training: I acted as team lead for a team of 9 and helped train new team members and incoming supervisors in areas of foreclosure, bankruptcy, loss mitigation, different systems used, soft skills, phone call escalation, and customer service. Performance Improvement: Observing the low floor morale, I conducted interviews with employees to analyze their job satisfaction level and tackle the impediments to high productivity. I then presented a resulting disciplinary action plan to management team, resulting in improved floor morale and increased performance, benefiting the Company and the employees. A frequent participant of round-table meetings with upper management, I led team meetings and generated effective reports, monitoring the Office of Comptroller of Currency regulations. Accomplishments: I was voted top performer several months in a row and often named most valuable team member for assisting others and keeping up morale. I met or exceeded production goals for 30 out of 36 months and maintained excellent communication with borrowers to ensure necessary status updates, relay decisions, set expectations, and manage escalated complaints.

Mesa, Arizona

Accomplishments: I multi-tasked efficiently to both originate new loans via door-to-door sales and process them. As a result, I provided excellent level of consultative sales, employed and discovered unique lead generating approaches, and maintained productive relationships with clients via sales calls, consistent follow-up, and information sessions at community events. IN this demanding role, I demonstrated effective time-management, worked productively under pressure, created marketing campaigns to grow client base, and received a high response rate.

Tucson, Arizona Area

Description: I built relationships with land and home owners via face-to-face meetings, analyzed comparable housing and land sales to determine market value, reviewed legal descriptions of parcels and deeds, and contacted owners of vacant land parcels. I negotiated real estate contracts with home owners and land owners. In addition, I worked with banks and attorneys to obtain payoffs and clear judgments on property. Accomplishments: I completed several real estate licensing classes, built productive relationships which led to new business and referrals, and held weekly networking meeting and generated leads.

Fort Bragg, North Carolina

Description: I served in Operation Enduring Freedom and Operation Iraqi Freedom with the 82nd Airborne.Accomplishment: Army Commendation Medal, Combat Infantry Badge, and Parachutist Wings. Leadership & Training: I acted as squad leader on as-needed basis for a team of 7, served as platoon leader in Pre-Ranger Training Course, contributed two years as a rifle/gun team leader, and oversaw performance and counseling of subordinate soldiers.