April M Smith Miller

• Prioritized case work while providing exemplary service to the client, outside council, and agents with effective communication and case load accountability to prevent loss for the lender.
• Worked with mortgage holders at risk of foreclosure to stabilize the risk.
• Strong negotiating skills used to bring the client and bank to an agreement beneficial to both sides.
• Increased knowledge of real estate and finance law.
• Worked closely and adhered with each individual investor including Fannie Mae, Freddie Mac, USDA, and VA.
• Completed necessary calculations for loss mitigation options including calculation of diligent interest, taxes, and performing escrow analysis.

• Held the sole CSR position within the branch and assisted in overseeing the opening of the branch.
• Responsible for soliciting all products and services offered while cultivating relationships with the customer base, which grew significantly leading to the branch becoming ranked at #7 in its class among all banks in the state of Mississippi in its first year.
• Developed tactics to increase assets and profitability within the organization.
• Counseled with high net worth individuals and corporate clients with regards to investment opportunities, risk analysis, and monetary return.
• Supported loan officers with skills learned in previous position as a loan officer.
• Certified Notary Public.
• Life, Health, Accident, and Credit Life License in Mississippi.
• Qualified and licensed to sell Annuity and Investment products with a 4-year record of making the Million Dollar Club every quarter.
• Oversaw Christmas Open House and all employee meetings.
• Volunteered in the community to build trust and relationships.
• Served as secretary for the first Houston Bank Advisory Board -prepared the agenda, invites, venue, arranged meal, and attended meetings with perfect attendance for over 4 years.
• Performed audits according to banking rules and regulations.

• Performed daily operations for the bank, including actively listened to customers, handled customer inquiries quickly and professionally, branch sales goal, business development, and accepted loan applications to send to underwriting.
• Assisted loan officers but primarily the Commercial Lender.
• Analyzed financial statements and pertinent information to determine what else is needed for a commercial loan application.
• Prepared and closed consumer and RE loans.
• Counseled corporate clients and high net-worth

individuals with regard to their borrowing and deposit

needs.

• Sold annuity and insurance products.

• Sold and marketed check collection systems and

contracts.

• Stood as the front line of customer service for all of the

corporate customers within the company.

• Trained employees to uphold excellent customer service skills and resolved escalated issues.

• First line of contact for customers.
• Solved customer problems and sold appropriate bank products.
• . Called and retained current customers by showing

excellent customer service and offering new features to their current products.

• Attained numerous sales goals weekly and reported to

the branch manager a weekly pipeline.

• Oversaw security and loss prevention for the branch.
• Executed sale and closure of consumer and mortgage loans.
• 12th ranked FSA in the state for two years in a row, leading to my promotion as FSA lead, training new employees in their first three to six weeks of employment before placing them at their respective branches.
• Multiple Million Dollar Club acknowledgements for sales in annuities and insurance products.

• Began employment as a cashier at the Houston, MS location and was responsible for customer service, accepting payments, collection calls, making daily cash drawer balance and deposit to the bank before being promoted and trained as Assistant Manager.
• Transferred to Grenada and later to Winona, MS, for the Assistant Manager role and became responsible for getting the branch in line and balancing the branch budget. During my tenure at Grenada, the location reduced delinquency dramatically and purchased a Wells Fargo branch in the process.
• Other responsibilities include extensive collection process including repositions, court orders, garnishments and judgments, and lending.
• Was in charge of hiring/firing for both branches.