I am a well rounded and highly successful branch manager with extensive customer service experience and of working to set schedules and deadlines. I am boasting a strong background of supporting staff & senior management, as well as possessing an excellent commercial approach to solving problems and developing business. I have an extensive background in compliance and assessment of data. I have the visual awareness to drive sales, manage profit and loss and ultimately increase branch profitability.
Summary of Qualifications
Strategic and financial planning expert
Risk management expertise
Fiscal budgeting knowledge
Financial analysis and planning
Complex problem solving
Performance tracking and evaluation
Safe Act of 2008 Certification
Night and safe deposit system operation
REGIONS BANKFINANCIAL SERVICES SPECIALIST11/2014 to Current
Meet and exceed branch sales quotas by identifying customer needs and providing appropriate products and services.
Refer customers to other lines of business when additional financial needs are recognized.
May resolve customer issues either through direct action or referral to alternative branch or bank resources.
Assists members with opening and closing accounts, answers questions about products and services and resolves problems.
Identifies cross-sell opportunities and cross-sells services to customers.
Interviews loan applicants to develop information concerning their loan needs, earnings and financial condition.
Explains loan program to members, evaluates their needs and recommends loan options.
Establishes the terms and conditions of an approved loan and reviews them with the customer.
Process approved loans, generating all necessary loan documentation for consumer ensuring perfected liens on all collateral, checking all loan and home equity/improvement products, posting and funding loan to branch, accuracy and completeness at the time of processing to include: review loan application to ascertain that information is complete and accurate; ensure member has been cross-sold credit life and credit disability insurance; verify payment amount and method; prepare payroll authorization, check for insurance requirements, obtain customer signatures on all documents where needed.
Process any corrections needed.
Receives and processes customer financial transactions and maintains assigned records, files, and reports as well as assigned administrative responsibilities such as address changes, authorized users, credit limits
ONEMAIN FINANCIALBRANDON, MSBRANCH MANAGER01/2014 to 10/2014
Consult with customers about their financial and personal objectives and offer loan solutions to help them achieve their goals
Manage branch operations and ensure compliance with all business polices/processes
Train, coach and motivate all staff members
Participate in the career development of each employee, including training of consumer lending products and services
Build strong, trusting relationships with new and existing customers
Provide exceptional service to ensure customer satisfaction and ensure continued relationships with OneMain Financial
Manage collection activities including consulting with customers on loan payments for past due accounts
Drive branch performance to successfully achieve business goals and branch profitably.
Collaborate with Sales, Account Management and Business Development to request and obtain necessary verification documents from prospective customers to complete the credit risk review process
Provide routine reports to stakeholders on volume of files submitted, processing SLAs, and status of all current files being processed.
Take independent, quick and efficient decisions on credit risk applications utilizing pre-approved risk criteria
Apply credit risk policy to ensure financial exposure is appropriately mitigated while meeting agreed upon SLAs with Sales, Account Management and Business Development;
Perform a comprehensive review and analysis of individual and company reports including Experian, Lexis-Nexis, Tax Returns, Financial statements, etc
Assure merchant files are complete and meet processor requirements
Respond on a timely basis to third party processor requests to audit files with goal of no defects.
Proactively work to enhance process/procedures to ensure underwriting and AML/KYC regulations remain current and effective
Perform periodic reviews of existing merchants to manage overall risk;
Monitor the portfolio of merchants through monthly reports and evaluate/manage risk to identify suspicious merchant activity and mitigate fraudulent behavior and charges;
Actively monitor account base for compliance including, but not limited to: excessive charge backs, documentation and compliance
Take an active role within Onemain to identify, recommend for approval and lead implementation of process/policy and third party tool changes to make credit risk assessments more effective and efficient
Maintain accurate up to date flowchart and narrative documentation of credit risk review process
Communicate effectively with internal company departments, as well as multiple levels of management
Assist Fraud/Risk department on potential fraud/risk related matters
Assist internal departments with customer inquiries requiring explanation of specific credit policies and decisions related to those policies
ONEMAIN FINANCIALBRANDON, MSBRANCH ACCOUNT MANAGER11/2006 to 01/2014
Developing, implementing and maintaining a business plan for the branch.
Co-coordinating sales, purchasing.
Collections and knowledge of all tools for customer benefits.
Focusing on achieving customer acquisition, retention and cross sales.
Managing the daily activities of the branch.
Enforcing the company's policies, principles, and procedures.
Inspiring and motivating staff.
Identifying then addressing team training and development needs.
Coaching and developing staff to do more and better.
Adherence to regulatory requirements.
Providing excellent service to customers interpreting, analyzing and producing sales & financial data.
Enhancing awareness of the company branch and brand.
Loan closings and future account management Responsible for dealing with complex and diverse managerial problems.
TARGETFLOWOOD, MSSALES FLOOR TEAM LEADER01/2003 to 01/2006
Drive sales by overseeing sales floor operations throughout the entire store
Manage the guest service and merchandising of two to three departments with sales
Provide training, feedback and follow up on merchandising skills for sales floor team members
Recruit, select develop and retail talented team members.
Bachelor of Science2011BELHAVEN UNIVERSITY JACKSON MS
2000CALLAWAY HIGH SCHOOL, MS
Account management, Benefits, Business plan , Coaching, Consulting, Customer satisfaction, People Management, Managerial, Managing, Merchandising, Access, Excel, Microsoft Word, policies, processes, product support, purchasing, Retail, Sales, Symphony Customer Satisfaction, Customer Service, Domestic and International Experience, Expense Control, Internal Auditing, Lead Development, Marketing, Multi-Task Management, Product Development, Project Management, Reporting, Sales, Statement Billings, Tax Preparation, Territory Sales Experience, Weekly Payroll