Renee Block
Columbia
Summary
Seasoned professional with a diverse background. Excelled in enhancing team performance and customer satisfaction through collaborative learning and expert credit analysis. Achieved consistent sales goals and streamlined loan processing, demonstrating a strong blend of appraisal knowledge and interpersonal skills.
Overview
22
22
years of professional experience
Work History
Instructional Aide
Columbia Public School District
08.2020 - Current
- Provided support during classes, group lessons, and classroom activities.
- Provided one-on-one support for students needing additional assistance, improving their understanding of course material.
- Prepared supplementary materials for diverse learners, helping accommodate varying learning styles and abilities within the classroom.
- Contributed to a positive classroom environment by establishing rapport with students and addressing individual needs.
Teacher
Mother's Morning Out
08.2013 - 05.2020
- Developed strong relationships with students, parents, and colleagues by maintaining open lines of communication and fostering a supportive learning environment.
- Worked cooperatively with other teachers, administrators, and parents to help students reach learning objectives.
- Managed classroom behavior effectively by establishing clear expectations, modeling appropriate conduct, and consistently enforcing established rules and consequences.
- Assisted in creating a safe and nurturing classroom environment that promoted emotional well-being and academic growth for all students.
Accountant
Kliethermes Homes And Remodeling
11.2006 - 04.2013
- Handled day-to-day accounting processes to drive financial accuracy.
- Reconciled accounts and reviewed expense data, net worth, and assets.
- Documented cash, credit, fixed assets, accrued expenses, and line of credit transactions.
- Gathered financial information, prepared documents, and closed books.
- Completed daily cash functions like account tracking, payroll and wage allocations, budgeting, donating, and cash, and banking reconciliations.
- Used advanced software to prepare documents, reports, and presentations.
- Managed cash flow effectively, ensuring all company liabilities were met in a timely manner and surplus funds were invested wisely.
Branch Manager/Real Estate Lender
UMB Bank
08.2005 - 09.2006
- Continuously monitored branch performance against key performance indicators, taking corrective actions as needed to ensure objectives were met or exceeded.
- Maintained friendly and professional customer interactions.
- Improved customer satisfaction ratings by enhancing service quality and resolving client issues promptly.
- Oversaw daily operations for streamlined efficiency, ensuring timely execution of tasks and optimal resource allocation.
- Evaluated employee performance regularly through appraisals and feedback sessions to facilitate continuous development of skills and knowledge base within the team.
- Implemented effective sales strategies to achieve branch targets and exceed expectations consistently.
- Complied with regulatory guidelines and requirements.
- Examined customer loan applications for loan approvals and denials.
- Submitted loan applications to underwriter for verification and recommendation.
- Completed filings and upheld strict compliance with regulatory agencies and supervisors.
- Coordinated marketing campaigns tailored towards target audience segments resulting in increased brand awareness within the local community.
- Reviewed and edited loan agreements to enhance clarity and monitor compliance with requirements.
- Maintained strict confidentiality of bank records and client information.
- Submitted loan applications to underwriter for verification and recommendations.
- Originated, reviewed, processed, closed, and administered customer loan proposals.
Assistant Vice President/Real Estate
Callaway Bank
07.2002 - 05.2005
- Established a high-performance culture within the team by setting clear expectations and providing regular feedback on individual performance contributions.
- Collaborated closely with executive leadership to align department goals with overall company objectives, resulting in stronger organizational cohesion.
- Managed a diverse portfolio of projects, ensuring that each project met established quality standards and delivered expected results on time and within budget.
- Enhanced collaboration between team members by implementing innovative communication tools and fostering an open dialogue culture.
- Strengthened customer relationships through effective communication and personalized service throughout the lending process.
- Enhanced team performance through regular training sessions and sharing best practices within the department.
- Improved underwriting efficiency by streamlining processes and implementing new technologies.
- Reduced delinquency rates with diligent monitoring of borrower accounts and proactive intervention when payment issues arose.
- Streamlined loan processing times by proactively addressing potential roadblocks and maintaining open lines of communication with all stakeholders.
- Consistently maintained a low error rate by adhering to strict attention-to-detail during the mortgage application review process.
- Provided expert guidance on mortgage products tailored to clients'' unique financial situations and goals.
- Assisted borrowers in overcoming obstacles that could hinder mortgage approvals or delay closings, such as credit issues or property appraisal discrepancies.
- Ensured compliance with federal regulations, state guidelines, and company policies in all mortgage transactions.
- Developed comprehensive knowledge of various loan programs, including conventional, FHA, VA, USDA, HELOCs, refinances, and reverse mortgages to better serve client needs.
- Managed a large pipeline of loans while ensuring timely submission of all necessary documentation for underwriting approval and closing coordination.
- Conducted thorough credit analysis on applicants to minimize risk exposure for the company.
- Maintained a high level of customer satisfaction by resolving issues quickly and professionally.
- Collaborated with real estate agents, attorneys, title companies, and appraisers to ensure smooth transactions for all parties involved.
- Exceeded sales goals consistently by cultivating strong referral networks with industry professionals.
- Maintained high level of customer satisfaction by providing prompt and accurate loan status updates.
Education
MBA - Business/Marketing
William Woods University
Fulton, MO05.1996
Bachelor of Science - Business Administration
Columbia College
Columbia, MO12.1993
Skills
- Collaborative learning
- Documentation Review
- Appraisal Knowledge
- Loan Origination
- Credit analysis
- Microsoft Excel
- Pricing strategy
Timeline
Instructional Aide
Columbia Public School District
08.2020 - Current
Teacher
Mother's Morning Out
08.2013 - 05.2020
Accountant
Kliethermes Homes And Remodeling
11.2006 - 04.2013
Branch Manager/Real Estate Lender
UMB Bank
08.2005 - 09.2006
Assistant Vice President/Real Estate
Callaway Bank
07.2002 - 05.2005
MBA - Business/Marketing
William Woods University
Bachelor of Science - Business Administration
Columbia College
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