Kristy West
Georgetown
Summary
Dynamic banking professional with a proven track record at United Community Bank, excelling in financial product advisement and relationship management. Enhanced customer satisfaction ratings through effective team development and strategic loan application assessments. Strong analytical skills complemented by exceptional interpersonal abilities, driving success in high-pressure environments.
Overview
20
20
years of professional experience
Work History
Assistant Branch Manager
United Community Bank
03.2023 - Current
- Responded to customer concerns, working with manager to significantly raise customer satisfaction ratings.
- Developed and managed employee schedules, balancing individual requests and requirements with business needs.
- Conducted weekly staff meetings to motivate staff members, address concerns, and questions, plan improvements and evaluate progress toward goals.
- Supervised and evaluated staff to help improve skills, achieve daily objectives, and attain advancement.
- Facilitated customer satisfaction by executing personal communication and frequent follow-ups.
- Demonstrated knowledge of branch financial products, loans and lines of credit.
- Trained and developed new team members in alignment with branch service standards and objectives.
- Collaborated with tellers, universal bankers and personal bankers to exceed sales goals.
- Built rapport with account holders by reaching out with product recommendations and account updates.
- Maintained friendly and professional customer interactions.
- Examined customer loan applications for loan approvals and denials.
- Complied with regulatory guidelines and requirements.
- Submitted loan applications to underwriter for verification and recommendation.
Underwriter
Sunrise Acceptance
07.2008 - 01.2023
- Determined and documented loan conditions and communicated requirements and decisions.
- Made approval and denial recommendations by determining accurate risk levels.
- Identified and resolved application discrepancies for accuracy and compliance with relevant regulations.
- Examined credit reports, financial statements and tax returns to determine repayment capability.
- Documented underwriting decisions and provided evidence of compliance with applicable regulations.
- Evaluated loan applications for affordability and conformance with underwriting guidelines.
- Used strong analytical and problem-solving skills to develop effective solutions for challenging situations.
- Assessed and advised on loan applications utilizing in-depth underwriting process understanding.
- Applied effective time management techniques to meet tight deadlines.
Underwriter
Capital Home Equity
Cleveland, TN
01.2005 - 07.2008
- Documented underwriting decisions and provided evidence of compliance with applicable regulations.
- Built strong relationships with lenders, brokers and clients for constructive communications.
- Identified and resolved application discrepancies for accuracy and compliance with relevant regulations.
- Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
- Evaluated loan applications for affordability and conformance with underwriting guidelines.
- Examined credit reports, financial statements and tax returns to determine repayment capability.
- Determined and documented loan conditions and communicated requirements and decisions.
Education
GED -
Bradley Central High School
Cleveland, TNSkills
- Financial product advisement
- Loan application assessment
- Branch service quality
- Audit preparation
- Banking
- Relationship building and management
- Loans
- Employee scheduling
- Cash handling
- Team development
- Staff management
- Vault audits
- Strong interpersonal skills
Timeline
Assistant Branch Manager
United Community Bank
03.2023 - Current
Underwriter
Sunrise Acceptance
07.2008 - 01.2023
Underwriter
Capital Home Equity
01.2005 - 07.2008
GED -
Bradley Central High School
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