Kelly Vallette

Administrative and operations professional with 10+ years coordinating high-volume, detail-critical work across regulated, fast-paced environments. Builds trust with the people in front of her quickly, cuts through the jargon, and stays with a problem until it is actually resolved, not just marked closed. Experienced in processing and funding transactions under strict compliance requirements, managing departmental purchasing and budgets, designing training programs, and communicating clearly with a diverse population of members, vendors, and coworkers.

Comfortable applying independent judgment to moderate to complex assignments, prioritizing competing demands, and picking up new systems and software quickly.

Consumer Lending Specialist III at SchoolsFirst Federal Credit Union (2018-07 – 2025-10)

Processed and funded high-volume consumer and indirect loan applications while taking on cross-department coordination, training design, and documentation improvement work beyond the core role.

• Processed, funded, and disbursed an average of 25 to 35 consumer loan packages across direct and indirect lending channels, including auto, private party auto, personal, educational, and debt consolidation loans, maintaining accuracy and compliance in a high-volume lending environment.
• Made outbound calls and worked directly with members and dealerships to obtain required documentation, resolve outstanding requirements and discrepancies, clarify lending requirements, and keep loans moving through the funding process.
• Identified recurring knowledge gaps across 70+ branches and independently designed and delivered an organization-wide training program, using Canva to build presentation materials, infographics, and marketing collateral, with follow-up sessions after rollout.
• Reengineered a manual Excel funding report into an automated tracking system covering loan volume, funded dollars, and production, maintaining it for several years and training three staff members to ensure continuity.
• Evaluated task ownership, documentation practices, notation standards, and communication workflows across a 25 person team, identifying standardization opportunities and developing recommendations to reduce handoffs and improve consistency.
• Wrote and edited standard operating procedures for the funding team, standardizing processes and supporting consistency across branches.

Consumer and Indirect Loan Officer at Solano First Federal Credit Union (2017-06 – 2018-07)

Held underwriting authority to independently approve, modify, or deny consumer and indirect loan applications, calculating ratio-based risk and coordinating directly with dealerships and members to structure and finalize each transaction.

• Independently approved, modified, or denied consumer and indirect loan applications within established lending authority, evaluating debt-to-income, capacity, utilization, and loan-to-value ratios to support credit decisions while verifying income and credit information.
• Developed counteroffers and alternative loan structures when standard terms did not fit a member's application, recommending options based on individual credit profiles.
• Audited loan documentation for accuracy and adherence to Reg Z, BSA, and lending policies, recommending workflow improvements to strengthen compliance and asset protection.

Indirect Loan Processor at Golden 1 Credit Union (2015-11 – 2017-05)

Processed and funded indirect auto loans and dealership packages at high volume, handling member and dealer communication, documentation compliance, and quality control from application through funding.

• Processed and funded CUDL originated indirect auto loans at an average volume of 20 to 30 files daily, reviewing applications and dealership funding packages for completeness, credit conditions, income verification, and compliance with lending policies and regulations.
• Managed outstanding loan requirements from application through funding, communicating with dealerships and members to collect documentation, resolve discrepancies, and keep funding packages moving while preventing unnecessary delays.
• Verified transaction data across lending systems, ensuring accurate transfer of information between loan origination and core processing systems.

Front Desk & Scheduling Coordination

Reception and front desk support across multiple client environments, answering multi-line phones, scheduling appointments, and coordinating visitors with appropriate staff.

Purchasing & Vendor Coordination

Managed departmental purchasing, ordering office supplies, and tracking spending against an assigned budget.

Social Media & Content Support

Independently manages social media presence and content for an ongoing performing career, building audience engagement and coordinating promotional materials.

Freelance Copywriter

Freelance copywriter for a children's media company, building a brand voice guide from scratch and writing website copy, email campaigns, and blog content, incorporating client feedback across multiple revision rounds.

Data Entry & Records Accuracy

High-volume data entry and records verification for a state agency, consistently meeting accuracy and production standards.

Certificate of Competency in Project Management – Calbright College