Amanda Johnson

• Ensuring regulatory compliance in all credit-related activities by staying updated on and adhering to internal policies/ government regulations.
• Support senior management by formulating credit strategy, new processes, programs, in providing insightful research, analysis, and recommendations on industry trends and emerging risks.
• Mitigating financial risks and losses through monitoring on average up to 30 existing accounts each month via annual review process, recommending adjustments as necessary to reduce those risks.
• High efficiency underwriting between 60-95 credit requests for dollar amounts ranging $25,001-$75,000 per month, meeting customer satisfaction time expectations to meet customer satisfaction.
• Special attention to customer relationships through effective communication via email/phone 8+ hours daily, ensuring timely responses, providing tailored financial solutions, investigating, and resolving customer disputes related to credit decisions.
• Streamlined credit approval process for faster decision-making through meticulous documentation and collaboration with senior management.
• Assisting colleagues (SME) resolving complex credit issues through sharing expertise, experience, and knowledge of banking regulations.
• Reviewing credit reports to comprehensively view borrowers' credit history and identify potential red flags.
• Review to approve or deny credit acquisitions and increase requests to keep organization profitable by making informed lending decisions.
• Attending and facilitating credit and systems related training.
• Conduct presentations on 3-5 prior loan recommendations completed, to senior management, partners, risk teams through 4 quarterly decision quality reviews.
• Commercial Credit Policy & Procedure Lead-Writing new credit policies, procedures, and notifying all staff of changes to maintain compliance with banking regulation. Enhance team productivity through sharing best practices within the credit department.
• Acting leader in absence of management, sending reminders to department groups through email or Teams communication to ensure alignment within department.

• Encouraged networking and collaboration across functions and businesses.
• Supported operations by assisting in training new hires. Head of Rewards and Recognition Committee
• Spearheaded development, running, and training of major portfolio programs. Creating and writing processes, ensuring proper flow, implementation of tracking for final credit decisions.
• Major focus on customer satisfaction with timely response to inquiries, providing clear explanations on credit decisions and procedures.
• Conducted phone interviews with potential customers during preparation process of new account or credit limit increase requests.
• Oversaw opening of new credit accounts and requests for additional credit.

Consumer Credit Services

• Maintained accurate documentation of all credit-related activities, ensuring compliance with company policies and industry regulations.
• Reduced risk exposure by conducting thorough credit analyses for new and existing clients.
• Managed additional responsibilities by handling escalated calls during absence of supervisors.
• Verified application and account details to accurately evaluate and asses creditworthiness along with financial risks of potential clients.
• Interviewed credit applicants by telephone to obtain personal and financial data needed to complete credit request.
• Inbound call handling
• Customer focus and satisfaction