Branch Manager resume example

• Assisted senior-level credit officers with complex loan applications.
• Originated, reviewed, processed, closed and administered customer loan proposals.
• Recommended loan approvals and denials based on customer loan application reviews.
• Complied with regulatory requirements, including Bank Secrecy Act, Anti Money Laundering, OFAC, USA Patriot Act, Privacy Act and Community Reinvestment Act.
• Developed and maintained relationships with local real estate agents.
• Reviewed and edited loan agreements to promote efficiency and accuracy.
• Created strategies to develop and expand existing customer sales, which resulted in 50% increase in annual sales.
• Developed team communications and information for Branch meetings.
• Drove operational improvements which resulted in savings and improved profit margins.

Evaluated files both pre and post funding that contained defects and/or saleability issues to formulate a resolution which often times involved income recalculation, file restructure, borrower communication, etc.

Worked closely with outside investors for whole loan presentation which included bid tape, market offering and negotiations to ensure highest and best bid.

Examined potential loss stemming from catastrophe, severity or frequency of possible loss within the firm to find ways to minimize and track.

Remained updated with latest information related to mortgage products and services being offered.

Evaluated debt ratio, loan-to-value ratios, credit scores property valuations and various other factors when making underwriting decisions.

Worked closely with aggregators and agencies to rebut defect items, repurchase demands and post funding issues. This was especially important in the overall mitigation of risk for the firm.

• Evaluated Government and Agency applications against outline specifications to approve, reject or recommend adjustments files.
• Boosted branch sales by developing and deepening customer loyalty through incentive programs.
• Reviewed and edited loan agreements to promote efficiency and accuracy.
• Recruited, interviewed, hired and trained employees and implemented mentoring program to promote positive feedback and engagement.
• Identified and capitalized on community business opportunities with effective networking.
• Recommended loan approvals and denials based on customer loan application reviews.
• Enhanced branch production rates by handling staff conflicts, evaluations, hiring/termination processes, coaching employees on company protocol and payroll operations.
• Submitted loan applications to loan underwriter for verification and recommendation.
• Consulted with representatives of regulatory agencies to complete accurate filings and uphold strict compliance.
• Protected company assets with strategic risk management approaches.
• Uncovered and resolved strategic and tactical issues impacting sales management and business operations.
• Maintained confidentiality of bank records and client information to prevent mishandling of data and potential breaches.
• Engaged employees in business processes with positive motivational techniques.
• Wrote reports detailing branch activities.
• Expanded territory by effectively negotiating beneficial deals for principle product sales, distribution and service.
• Originated, reviewed, processed, closed and administered customer loan proposals.
• Interviewed and hired talented individuals with top-level strengths, improving organizational talent and skill set.
• Complied with regulatory requirements including Bank Secrecy Act, Anti Money Laundering, OFAC, USA Patriot Act, Privacy Act and Community Reinvestment Act.
• Upheld strict security and safety procedures to protect business from financial losses due to theft or careless mismanagement.
• Introduced and implanted viable loss control strategies by maintaining strong partnerships and trust with customers.
• Established solid client base by identifying company resources, determining client risk factors and promoting solutions that alleviated risk potential.
• Prepared reports for clients and underwriters regarding property loss features and recommendations for improvement and future needs.
• Identified company resources, determined client risk factors and promoted solutions to establish solid client base.
• Resolved conflicts and negotiated mutually beneficial agreements between parties.
• Resolved problems, improved operations and provided exceptional client support.