Summary
Overview
Work History
Education
Skills
Timeline
Generic

BRANDY EMMONS

CRESTVIEW,FL

Summary

Accomplished in mortgage lending and operations management, tenure at Navy Federal Credit Union honed expertise in regulatory compliance and loan origination, alongside fostering exceptional member relationships. Skilled in analytical thinking and effective communication, consistently achieve branch goals, navigating new team members, and enhanced loan processing efficiency by streamlining workflows.

Overview

20
20
years of professional experience

Work History

Mortgage Loan Originator V

Navy Federal Credit Union
03.2018 - Current
  • Provide exceptional member service throughout the entire loan application/mortgage servicing process.
  • Maintain up-to-date knowledge of industry regulations, changes, and trends to provide accurate advice to clients.
  • Streamline the loan origination process with thorough pre-qualification assessments, resulting in faster decision-making.
  • Work closely with borrowers experiencing financial hardship, helping them explore alternative financing options or refinancing solutions.
  • Assist members in understanding complex mortgage terms, facilitating informed decisions about their financing options.
  • Conduct borrower interviews to gather necessary information and documentation for loan applications.
  • Explain different types of loans pertaining to client situations.
  • Interview applicants to assess loan requirements before suggesting offers.
  • Assist members with completing loan applications and other paperwork.
  • Identify opportunities to cross-sell and upsell loan products to members.
  • Collaborate with underwriters, processors, and other team members to resolve issues, ensuring smooth transactions for all parties involved.
  • Contribute towards achieving branch goals through consistent performance in meeting personal goals as well as supporting team members when needed.
  • Mentor new MSR's in navigating complex mortgage industry procedures while sharing valuable insights gained from years of experience.
  • Participate actively in weekly team meetings discussing upcoming changes, team/branch goals, teach backs, and sharing best practices among peers.
  • Identify opportunities to cross-sell and upsell loan products to customers.

Loan Operations Manager

Peoples National Bank of Niceville
03.2016 - 01.2018
  • Proactively identified potential risks within portfolio, implementing mitigation strategies as needed to protect company's interests.
  • Increased operational transparency by creating detailed reports on key performance indicators for senior management review regularly.
  • Provided exceptional training and mentorship to new hires, fostering a culture of continuous improvement within the team.
  • Conducted regular audits of loan files, ensuring complete documentation according to established guidelines and regulations.
  • Reduced error rates through diligent quality control checks, leading to improved overall departmental performance metrics.
  • Served as a key liaison between loan operations and other departments, fostering positive relationships that contributed to overall company success.
  • Assisted in the development of policies and procedures that streamlined workflows while maintaining compliance standards across all aspects of loan operations management.
  • Managed a team of loan processors, ensuring adherence to regulatory compliance and industry best practices.
  • Complied with established internal controls and policies.
  • Prepared cost analysis and monthly, quarterly and annual reports.

Deposit Operations Specialist

Peoples National Bank of Niceville
09.2015 - 03.2016
  • Provided backup to 4 other deposit operations specialists.
  • Handled ATM service maintenance and disputes.
  • Mentored junior team members, fostering a positive work environment that encouraged professional growth.
  • Processed foreign items and returned mail.
  • Accounts reconciliation and balancing
  • Reports compilation
  • Accounts payable and receivables
  • Processed and monitored lock box items and new account documents.
  • Handled PIN reorders, new cards and maintenance for debit cards.
  • Conducted thorough investigations into complex issues or discrepancies related to deposits, resolving issues promptly while maintaining high levels of customer satisfaction.
  • Served as a subject matter expert on deposit-related matters, providing guidance and support to both colleagues and customers alike.
  • Implemented risk management strategies within deposit operations to minimize potential losses due to fraud or errors.
  • Coordinated with IT department to identify, troubleshoot and resolve any system-related issues impacting deposit operations.
  • Processed account maintenance requests and checked for alignment with bank policy.
  • Participated in internal audits conducted by the bank''s audit department or external regulators, providing necessary documentation and addressing any concerns raised during the review process.
  • Maintained confidentiality of bank's customers and adhered to all regulatory requirements.
  • Ensured timely resolution of customer inquiries by working closely with customer service representatives and other departments as needed.
  • Immediately reported discrepancies and assisted in clearing discrepancies.

Public Housing Manager

Crestview Housing Authority
09.2012 - 09.2015
  • Determined eligibility, selected tenants, and assigned lease agreement's for occupancy.
  • Orientated new tenants to inform them of rules and regulations.
  • Completed interim and annual recertification for occupancy.
  • Increased accessibility within properties by overseeing modifications designed to accommodate individuals with disabilities, promoting an inclusive living environment.
  • Managed property maintenance and repairs, maintaining a safe and clean living environment for residents.
  • Organized community events that promoted positive interactions among tenants and provided opportunities for social engagement.
  • Made sound decisions independently and as a team member.
  • Worked closely with law enforcement agencies to address safety concerns and maintain a secure living environment for public housing residents.
  • Attended/testified court hearings for small claims and evictions.

Teller II

Coastal Bank and Trust / Synovus
12.2009 - 09.2012
  • Balanced cash drawer daily and resolved discrepancies to provide accurate data regarding cash flow.
  • Disbursed cash and checks accurately while maintaining security of cash drawers.
  • Balanced cash drawers daily, identifying discrepancies and taking corrective actions as needed.
  • Processed customer transactions promptly, minimizing wait times.
  • Assisted with night depository and vault duties.
  • Promoted a welcoming atmosphere in the branch by greeting customers warmly upon arrival and addressing them by name when possible.
  • Assisted customers with account inquiries, resolving issues promptly and professionally.
  • Answered customer inquiries regarding account balances, transaction history, services charges, and interest rates.
  • Managed high-volume transactions efficiently while maintaining attention to detail, ensuring accurate processing for customers.
  • Improved customer satisfaction by providing efficient and accurate transaction processing.
  • Developed strong relationships with customers through exceptional service, fostering loyalty and trust.
  • Contributed to a positive work environment by demonstrating professionalism, courteousness, and a strong work ethic.
  • Answered telephone inquiries on checking and savings accounts, loans, and lines of credit.
  • Completed highly accurate, high-volume money counts via both manual and machine-driven approaches.
  • Increased cross-selling opportunities by identifying customer needs and recommending appropriate banking products or services.
  • Demonstrated adaptability during peak business hours by multitasking and prioritizing tasks to maintain efficiency and quality of service.
  • Educated customers on use of banking website and mobile apps.
  • Streamlined teller operations by maintaining organized workspaces and adhering to policies and procedures.
  • Maintained up-to-date knowledge of bank products, services, promotions, policies, regulations to better assist customers with their financial needs.
  • Supported team members in achieving branch goals through collaboration, communication, and shared responsibilities.
  • Enhanced branch security through vigilant monitoring of suspicious activities and timely reporting to supervisors.
  • Played an active role in community events and initiatives on behalf of the bank, promoting our commitment to local engagement.

Banker

FNBT.com Bank
03.2009 - 09.2012
  • Assisted customers with setting up or closing accounts, completing loan applications, and signing up for new services.
  • Developed and maintained strong customer relationships, providing exceptional service and advice.
  • Maintained strict compliance with all banking regulations, ensuring a secure and trustworthy environment for clients.
  • Delivered exceptional customer service, addressing concerns promptly and professionally to ensure client satisfaction.
  • Prepared and presented monthly staff meetings on rotation.

Personal Banker

Whitney National Bank
03.2004 - 03.2009
  • Utilized strong interpersonal communication skills during client interactions, resulting in increased trust and fostering long-lasting relationships.
  • Assisted customers with setting up or closing accounts, completing loan applications, and signing up for new services.
  • Maintained compliance with bank policies and regulations while executing various financial transactions for customers.
  • Generated new business by conducting thorough financial needs assessments and offering tailored products to clients.
  • Assisted with teller line duties, when needed.
  • Assisted customers with access to their safe deposit boxes,
  • Preformed clerical duties for the branch.
  • Community outreach.

Education

High School Diploma -

Tate Hight School
Cantonment
05.1995

Skills

  • Residential mortgage lending regulations
  • Licensed Mortgage Loan Originator
  • Decision-Making
  • Member focus

Timeline

Mortgage Loan Originator V

Navy Federal Credit Union
03.2018 - Current

Loan Operations Manager

Peoples National Bank of Niceville
03.2016 - 01.2018

Deposit Operations Specialist

Peoples National Bank of Niceville
09.2015 - 03.2016

Public Housing Manager

Crestview Housing Authority
09.2012 - 09.2015

Teller II

Coastal Bank and Trust / Synovus
12.2009 - 09.2012

Banker

FNBT.com Bank
03.2009 - 09.2012

Personal Banker

Whitney National Bank
03.2004 - 03.2009

High School Diploma -

Tate Hight School

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BRANDY EMMONS