Alura Holbert
Fairmont,WV
Summary
Commercial banking professional with experience in business development, loan origination, underwriting, and portfolio management. Skilled in credit analysis, client relationships, and treasury services, with a track record of supporting deposit growth and profitable lending decisions.
Overview
13
13
years of professional experience
Work History
Business Banking Officer-LPO Manager
The Citizens Bank of Weston
05.2025 - Current
- Originates commercial loans and structures credit solutions aligned with borrower financial profiles.
- Provides a full range of commercial and small business loans and lines of credit while cross-selling commercial deposit accounts and treasury service products.
- Provided comprehensive commercial and small business loans and lines of credit while cross-selling commercial deposit accounts and treasury service products to increase overall portfolio growth.
- Analyze financial statements, tax returns, credit reports, collateral values, LTV, DSCR, and other financial information when evaluating credit opportunities.
- Present loan requests and credit recommendations to Management Loan Committee and Loan Committee while ensuring transactions meet established credit standards and risk parameters.
- Present loan requests and credit recommendations to the Management Loan Committee and the Loan Committee while ensuring transactions meet established credit standards and risk parameters.
- Maintained extensive knowledge of commercial banking products, credit policies, regulatory requirements, and risk management practices to ensure compliance and informed decision-making.
- Oversees the construction build out of the newly rented office space at Fairmont loan production office.
Chair - Fairmont Advisory Board
The Citizens Bank of Weston
10.2024 - Current
- Chairs a monthly advisory board comprising local business leaders, executives, and key centers of influence (COIs) to drive strategic local growth and market penetration.
- Presides over board meetings and guides agenda priorities.
- Facilitates high-level discussions on bank financial performance, loan production office updates and localized economic trends to align bank initiatives with market realities.
- Partner with executive leadership to cascade marketing strategies and corporate updates, reinforcing the bank's local visibility and commercial footprint.
Senior Deposit Officer
The Citizens Bank of Weston
01.2024 - 05.2025
- Worked directly with Senior Management and key vendors such as the core processor, deposit platform and digital banking software provider to develop and continuously improve comprehensive deposit product line and digital delivery channels.
- Spearheaded the launch and opening of Citizens Bank of Weston's Loan Production Office (LPO), establishing the bank's commercial footprint and lending presence in Fairmont market.
- Actively referred commercial loan and mortgage referrals to the appropriate representative.
- Met with customers to provide professional service while cross-marketing products and services to generate new business for the bank.
- Oversaw the bank's online account opening process and ensuredd the bank is meeting its online account opening goals for quality, growth, and profitability.
- Respond to requests for proposals (RFP) by assessing customer needs and recommending effective strategies with a cost benefit and risk analysis.
- Researched and presented new products and services in accordance with evolving customer needs and banking trends.
- Negotiated deposit pricing to optimize profitability of product or service solutions.
Banking Center Manager
MVB Bank
03.2020 - 10.2023
- Managed a team of 14 employees while consistently achieving and exceeding branch performance goals.
- Provided strategic leadership and oversight for two banking center locations in Fairmont, WV, managing day-to-day operations, team performance, customer relationships, sales initiatives and compliance.
- Conducted regular coaching sessions and performance reviews while establishing clear expectations and development goals for employees.
- Recruited, trained, and onboarded new employees while fostering a positive, accountable and customer focused culture.
- Represented the bank within the local community and developed relationships with businesses, organizations, and community leaders.
- Increased branch profitability through targeted sales strategies and effective cross-selling initiatives.
- Resolved complex client concerns while maintaining trust and service consistency.
Mortgage Loan Officer
MVB Bank
02.2019 - 03.2020
- Originated residential mortgage loans and guided borrowers through application, underwriting, and closing requirements.
- Evaluated credit profiles, income documentation, and collateral data to structure compliant loan recommendations.
- Maintained pipeline accuracy by tracking applications, disclosures, conditions, and funding milestones.
- Collaborated with processors, underwriters, and closing teams to resolve documentation and approval issues.
- Advised clients on mortgage products, rate options, and qualification criteria to support informed decisions.
- Ensured adherence to lending regulations, bank policies, and secondary market guidelines.
- Strengthened referral relationships with branch partners, realtors, and title professionals to expand loan opportunities.
Personal Banker
MVB Bank
09.2017 - 02.2019
- Processed account openings, maintenance requests, and transaction inquiries with accuracy and confidentiality.
- Cross-sold bank products and services to meet customer needs and provide options.
- Processed home equity loan applications, verifying income, credit, collateral, and documentation for accuracy.
- Maintained strong relationships with clients, addressing concerns and providing updates on loan status throughout the process.
Personal Banker
The Huntington National Bank
06.2015 - 09.2017
- Built customer relationships through needs-based conversations to recommend suitable deposit and lending solutions.
- Processed consumer loan applications, gathered supporting documents, and guided customers through approval requirements.
- Opened and maintained checking, savings, and certificate accounts while ensuring accurate documentation and compliance.
- Resolved account issues promptly, balancing service quality with regulatory standards and branch procedures.
- Identified cross-sell opportunities by reviewing financial goals and matching customers with relevant banking products.
- Met and exceeded established goals for deposits, loans, referrals, new accounts, and overall relationship growth.
- Generated new business by conducting thorough financial needs assessments and offering tailored products to clients.
Universal Banker
The Huntington National Bank
06.2013 - 06.2015
- Processed teller transactions accurately while balancing cash drawers and maintaining branch cash controls.
- Originated consumer loans and assisted customers throughout the application, underwriting, approval, and closing processes.
- Built and maintained strong relationships with customers by providing personalized financial guidance and identifying opportunities to meet their banking needs.
- Opened consumer and business deposit accounts while verifying documentation and supporting compliance requirements.
- Identified customer needs and recommended banking products, services, and solutions aligned with financial goals.
- Resolved account inquiries, card issues, and transaction discrepancies with professional customer service.
Education
No Degree -
West Virginia University
Morgantown, WVFairmont State University
Fairmont, WVHigh School Diploma -
Lincoln High School
Shinnston, WV01-2008
Skills
- Loan origination and underwriting
- Loan underwriting
- Client management
- Commercial lending
- Credit analysis
- Business development
- Customer relationship management
- Strategic foresight
- Portfolio oversight
Timeline
Business Banking Officer-LPO Manager
The Citizens Bank of Weston
05.2025 - Current
Chair - Fairmont Advisory Board
The Citizens Bank of Weston
10.2024 - Current
Senior Deposit Officer
The Citizens Bank of Weston
01.2024 - 05.2025
Banking Center Manager
MVB Bank
03.2020 - 10.2023
Mortgage Loan Officer
MVB Bank
02.2019 - 03.2020
Personal Banker
MVB Bank
09.2017 - 02.2019
Personal Banker
The Huntington National Bank
06.2015 - 09.2017
Universal Banker
The Huntington National Bank
06.2013 - 06.2015
No Degree -
West Virginia University
Fairmont State University
High School Diploma -
Lincoln High School