BRANDI THOMAS

• Producing Sales Manager
• Recruit and mentor branch staff in sales techniques and customer account management.
• Read, analyze, and interpreted credit-related journals, bank lending policies, and governmental regulations.
• Maintained current knowledge of changing products and services to provide superior client care.
• Lead loan officers in daily operations to maintain exceptional customer service while guiding clients through the loan process.
• Analyze prospective buyer income, assets, and liabilities, credit worthiness.
• Structure loans and generate AUS decision.
• Maintain high-quality service and support accuracy, reviewing loan submissions to validate compliance with loan policies, laws, and regulations.

• The team finalized 2021 at the top 1% of loan originators with 370M+ closed.
• Communicated with customers throughout the loan process, assisting with questions and explaining additional requirements.
• Educated valued customers about mortgage processes and documentation, including first-time homebuyers.
• Tracked daily loan progress, proactively addressing potential issues impacting close date.
• Maintained high-quality service and supported accuracy, reviewing loan submissions to validate compliance with loan policies, laws, and regulations..
• Partner closely with real estate agents to help secure contracts and ensure a smooth transaction
• Set up favorable loan terms with skills in negotiation and expert knowledge of market conditions.

• Responsible for producing high-quality loans that meet Wells Fargo Home Mortgage guidelines by building relationships with realtors, builders, financial professionals, bank stores, past customers and other nontraditional sources, while providing excellent customer service
• Develop knowledge of company products, policies and procedures, and underwriting requirements
• Understand real estate appraisals, title reports, and real estate transactions
• Analyze detailed financial and credit data, matching customer needs with an appropriate loan program and level of risk
• Receive customer applications, quote the rate and points, and complete follow-up activities with the registration lock-in
• Develop and maintain a high degree of visibility for WFHM in the marketplace

• Acting as a Trusted Advisor to Providing Carrier Partners, Business Owners, Accountants, and Brokers who deliver with the Nation's Largest portfolio of leading Benefit products, Payroll, HR Admin Support, Tools, and Knowledge to help identify services and products and assist in delivering accurate and timely payroll
• Reducing Burden, and Risk by proving Sales and admin HR and Support
• Worked with payroll customers to understand requirements and provide exceptional payroll service
• Engaged client executives to assess strategic business needs and challenges and translate business strategy into human capital opportunities with business impact

• Built, coached, developed, lead and motivated a team that is capable of analyzing clients' needs and recommending financial solutions that create lasting client relationships
• Provided direction and guidance to branch staff on operational/regulatory procedures, ensuring compliance with operational, security, audit procedures and timely completion of KSAP (branch self-assessment program) tasks
• New client acquisition and retention, growing market share and balance sheet growth, growing non-interest income, growing partnership revenue, and fostering client and employee satisfaction to meet or exceed branch sales and service goals
• Developed strong partnerships with business partners focusing on cross selling and referrals, effectively managed internal and external COI's

• Managed a portfolio of 600 commercial clients and $35 - $40 million dollars deposit base
• Pro-actively generate book of business through networking, cold calling, and referrals
• Support new and existing business customers by understanding their unique financial needs, identifying opportunities to enhance growth and deepen customer relationships
• Demonstrate, recommend, and implement appropriate products and services to meet those specific needs

• Succeeded in opening new branch and growing book of business to over 50M in five years
• Built, coached, developed, lead and motivated a team that is capable of analyzing clients' needs and recommending financial solutions that create lasting client relationships
• Provided direction and guidance to branch staff on operational/regulatory procedures, ensuring compliance with operational, security, audit procedures and timely completion of KSAP (branch self-assessment program) tasks
• New client acquisition and retention, growing market share and balance sheet growth, growing non-interest income, growing joint partnership revenue, and fostering client and employee satisfaction to meet or exceed branch sales and service goals
• Developed strong partnerships with business partners focusing on cross selling and referrals; effectively managed internal and external COI's.

• Oversaw a branch team consisting of eight customer service representatives and four personal bankers
• Supportively directed a team of two Relationship Managers
• Received superior customer service satisfaction scores for 8 consecutive quarters
• Developed prospects for new loans with 200 cold calls weekly
• Complied with regulatory requirements including Bank Secrecy Act, Anti Money Laundering, OFAC, USA Patriot Act, Privacy Act and Community Reinvestment Act
• Created strategies to develop and expand existing customer sales, which resulted in a 4% increase in annual sales