Angela Richardson-Brown
Portsmouth,VA
Summary
Results-driven Assistant Vice President/Branch Manager with 20 years of comprehensive experience in financial services. Polished in managing branch, promoting and marketing branch products and allocating funds. Deeply familiar with banking rules and regulations. Friendly professional dedicated to promoting and maximizing sales opportunities.
Overview
14
14
years of professional experience
Work History
Assistant Vice President
Mariner Finance
Norfolk, VA
10.2022 - 07.2023
- Managed 7 consumer finance branches with $56MM in total assets.
- Prepared internal and regulatory financial reports, balance sheets and income statements.
- Checked payroll, vendor payments and other accounting disbursements for accuracy and compliance.
- Conducted reviews and evaluations for cost-reduction opportunities.
- Coordinated preparation of external audit materials and external financial reporting.
- Maintained regular performance appraisals for subordinates through verbal, written and on-going review programs.
- Trained, developed and supervised team of 35 employees.
- Supported senior leadership by reviewing and prioritizing strategic initiatives.
- Executed swift and timely resolution and follow-up.
- Liaised with leadership teams to drive initiatives and contributed to weekly policy change meetings.
- Reviewed financial statements and sales or activity reports to measure productivity or goal achievement.
- Implemented successful business strategies to increase revenue and target new markets.
- Monitored progress by establishing plans, budgets and measuring results.
- Mitigated business risks by working closely with staff members and assessing performance.
- Completed month-end and year-end closings, kept records audit-ready and monitored timely recording of accounting transactions.
- Coordinated approval or rejection of lines of credit or commercial, real estate or personal loans.
- Created financial management mechanisms to minimize financial risk to business.
- Created and updated financial reports on frequent basis to present information to leadership teams.
BRANCH MANAGER II
Mariner Finance
Norfolk, VA
10.2017 - 10.2022
- Manage a successful $12MM consumer finance office
- Increased direct loan growth by $500k with ancillary sales of $30k year over year
- Maintained above 10% Return on Assets year over year
- Increased Loan By Mail conversions by 5%
- Decreasing total delinquency to benchmark goal of 4.45%
- Successfully pass all state and internal compliance audits
- Review loan documents to ensure accuracy
- Direct team of 7 employees
- Assemble customer’s financial statements before loan closing
- Extends credit to individuals through a variety of loan programs
- Responsible for reviewing branch logs to ensure accuracy for different loan programs
- Represents the company in the community and develops and promotes additional business
- Consistently reviews and develops action plans for delinquent loan accounts, including imitating customer contacts, negotiating extensions of refinancing and collecting payments due
- Responsible for the sale of company products and services
- Place inside sales calls to increase customer base
- Responsible for the retention and maintenance of existing accounts
- Promptly investigates and resolves customer and employee inquiries and complaints
- Demonstrates consistent, effective leadership through supervision, development and management of Branch employees
- Ensure proper planning, training/development and motivating of staff to obtain branch goals, minimize turnover and create conditions for positive, effective working relationships
- Chosen candidate for company President Club award.
Branch Manager
Mariner Finance
Virginia Beach, VA
07.2014 - 10.2017
- Manage a successful consumer finance office of over 674k in total growth for 2015 with total assets over $3M
- Increase total revenue over 26% from previous year
- Control charge off debt by 3.44% with divisional goal at 3.90%
- Provide service to customers and prospective customers seeking loans
- Extends credit to individuals through a variety of loan programs
- Represents the company in the community and develops and promotes additional business
- Consistently reviews and develops action plans for delinquent loan accounts, including imitating customer contacts, negotiating extensions of refinancing and collecting payments due
- Responsible for the sale of company products and services
- Place inside sales calls to increase customer base
- Responsible for the retention and maintenance of existing accounts
- Promptly investigates and resolves customer and employee inquiries and complaints
- Demonstrates consistent, effective leadership through supervision, development and management of Branch employees
- Ensure proper planning, training/development and motivating of staff to obtain branch goals, minimize turnover and create conditions for positive, effective working relationships
- Successfully pass state and internal compliance audits
- Successfully sign up dealer development in the Va
- Beach office.
ASSISTANT BRANCH MANAGER
Mariner Finance
Norfolk, VA
03.2013 - 07.2014
- Independently contribute superb service to customers and prospective customers seeking loans in our $3M office
- Exceeded divisional delinquency goal of 1.5% monthly, with decreasing delinquency of .78% and individually savings the office of $150,000
- Independently increasing new money of $75,000 monthly along with writing an average of 18 loans per month
- Clearly explain all disclosures on the contracts to customers
- Review contract performance of other loan officers in office for compliance with performance standards, applicable to lending laws, truth and lending disclosures, and repayment obligations
- Assist Branch manager with local area marketing.
- Provided bank leadership in absence of branch manager.
- Supervised branch personnel and operations in absence of branch manager, keeping operations and workflows running smoothly.
- Monitored daily operations and supported Branch Manager in necessary duties.
- Worked with regulatory representatives to complete accurate filings and maintain compliance.
- Built client rapport through frequent individualized recommendations for financial products and services.
- Reviewed applications against established parameters to determine approval, rejection or modification requirements.
- Evaluated credit application to determine risk factors and financial feasibility.
- Verified cash by balancing cash drawers and maintaining cash count records.
- Assigned duties to employees and examined work for accuracy, neatness and timeliness.
BRANCH MANAGER
Express Financial Services, LLC
Portsmouth, VA
11.2009 - 03.2013
- Manage successful payday and title lending office of over 250K in total revenue
- Responsible for a team of seven
- Increase total revenue over 35% from previous year
- Controlled return items of 3.74% over division goal of 7%
- Achieve charge of debt of 3.5% over division goal of 16.99%
- Successfully increased revenue over 45K per month
- Control employee turnover in branch with managerial motivation, along with leading by example
- Network with business partners to increase business, along with implementing marketing strategies for center growth
- Successfully pass state and internal compliance audits
- Explain loan contractual agreements with customers, monitors contract performance and assist in contract termination
- Developing, coordinating, and revising a wide variety of lending and collecting policies both Federal and State.
Education
Masters - Public Administration
Capella University
12.2016
Bachelors - Business Administration
Strayer University
10.2009
Master of Law - Contract Negotations/Basic law
Regent University
Skills
- Internal Audits
- Negotiation
- Inside Sales
- Auditing
- Outside Sales
- Forecasting
- Legal Research
- Management
- Account Management
- Budgeting
- Strategic Planning
- Business Development
- Operations Management
- Consulting
- Public Speaking
- Financial Analysis and Planning
- Staff Management
- Business Strategy Creation
Timeline
Assistant Vice President
Mariner Finance
10.2022 - 07.2023
BRANCH MANAGER II
Mariner Finance
10.2017 - 10.2022
Branch Manager
Mariner Finance
07.2014 - 10.2017
ASSISTANT BRANCH MANAGER
Mariner Finance
03.2013 - 07.2014
BRANCH MANAGER
Express Financial Services, LLC
11.2009 - 03.2013
Masters - Public Administration
Capella University
Bachelors - Business Administration
Strayer University
Master of Law - Contract Negotations/Basic law
Regent University