Alyssia Kern
Crofton
Summary
Consumer finance professional with proven track record in evaluating loan applications and managing client accounts. Known for collaborative team efforts and consistent achievement of lending targets. Expertise in credit analysis and customer service, ensuring client satisfaction and loyalty. Experienced with team leadership, strategic planning, and operational management. Track record of fostering productive work environments and achieving set goals.
Overview
10
10
years of professional experience
Work History
Consumer Lender
First United Bank and Trust Company
08.2024 - Current
- Assigned extensive loan goals, closing over 1.2 million each month.
- Suggested and cross-sold other products or services on approved loans that benefited customer.
- Conducted thorough follow-up communications with clients throughout the lending process to enhance customer satisfaction.
- Developed strong relationships with clients to understand financial needs and recommend suitable loan products.
- Evaluated consumer credit applications to determine eligibility and risk levels.
- Completed loan applications, proposals and offers for new borrowers and followed up with pending applicants.
- Processed consumer home equity loans from underwriter approval through final approval with speed and precision.
- Reduced delinquency rates with diligent monitoring of credit risks and timely intervention for potential problem accounts.
Branch Manager
US Bank
05.2021 - 08.2024
- Led branch operations to enhance customer service and improve overall efficiency.
- Developed strategic initiatives to drive revenue growth and market penetration.
- Trained and mentored staff, fostering a culture of continuous improvement and accountability.
- Managed budget allocation, monitoring expenditures to ensure financial stability within the branch.
- Continuously monitored branch performance against key performance indicators, taking corrective actions as needed to ensure objectives were met or exceeded.
- Evaluated employee performance regularly through appraisals and feedback sessions to facilitate continuous development of skills and knowledge base within the team.
- Led lending operations, ensuring compliance with regulatory requirements and company policies.
- Evaluated credit applications, balancing risk assessment with business growth objectives.
- Reviewed customer documentation for accuracy, enhancing onboarding efficiency and reducing errors.
- Facilitated account opening processes, ensuring compliance with regulatory requirements and internal policies.
Assistant Branch Manager
Fortera Federal Credit Union
02.2018 - 04.2021
- Monitored daily operations and supported Branch Manager in necessary duties.
- Provided bank leadership in absence of branch manager.
- Supervised 8-10 branch team members and provided management with suggestions regarding performance assessments.
- Evaluated credit application to determine risk factors and financial feasibility.
- Developed strategy to achieve target sales goals.
- Supervised branch personnel and operations in absence of branch manager, keeping operations and workflows running smoothly.
- Maximized branch revenue by optimizing daily operations.
- Built strong rapport with new and existing clients to better serve financial needs and promote branch loyalty.
- Received our Million Dollar Producer for highest rate of closed loans consecutively since 2016.
- Interviewed average of 100 loan applicants per month and provided expert financial advice on mortgage, educational and personal loans.
- Trained and mentored highly effective teams to meet corporate service standards.
- Built client rapport through frequent individualized recommendations for financial products and services.
- Supervised daily operations, ensuring compliance with regulatory standards and internal policies.
- Led team initiatives to enhance member services and improve overall branch performance.
Senior Member Advisor
Fortera Federal Credit Union
10.2015 - 02.2018
- Assisted members with account inquiries and transaction processing to enhance customer satisfaction.
- Educated members on financial products, services, and benefits to promote informed decision-making.
- Guided clients through loan application process, ensuring compliance with regulations.
- Collaborated with team members to streamline processes and improve operational efficiency.
- Assisted members in navigating online banking platforms, promoting the use of digital tools for ease of account management.
- Resolved member issues efficiently through effective problem-solving and communication skills.
- Contributed to a positive work environment by fostering collaboration between colleagues and promoting open communication channels within the team.
- Streamlined processes for improved efficiency in handling member inquiries and requests.
- Top Loan Producer
- Meticulously reviewed applicant documentation, ensuring accuracy and completeness prior to submission for underwriting approval.
Education
Associates - Business
Hopkinsville Community College
08-2027
Honors Diploma -
Christian County High School
05.2013
Skills
- Loan origination
- Documentation review
- Portfolio management
- Underwriting expertise
- Teamwork and collaboration
- Customer service
- Leadership skills
- Problem-solving abilities
- Excellent communication
- Cash handling
- Client relationship building
- Decision-making
Timeline
Consumer Lender
First United Bank and Trust Company
08.2024 - Current
Branch Manager
US Bank
05.2021 - 08.2024
Assistant Branch Manager
Fortera Federal Credit Union
02.2018 - 04.2021
Senior Member Advisor
Fortera Federal Credit Union
10.2015 - 02.2018
Associates - Business
Hopkinsville Community College
Honors Diploma -
Christian County High School
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