Christina Spencer
Waynesboro,GA
Summary
Dynamic Branch Manager at 1st Franklin Financial with expertise in loan analysis and regulatory compliance. Proven track record in enhancing customer satisfaction and driving profitability through strategic risk assessment and effective team leadership. Adept at fostering relationships and ensuring adherence to financial regulations, resulting in streamlined operations and increased loan approvals.
Overview
26
26
years of professional experience
1
1
Certification
Work History
Branch Manager
1st Franklin Financial
Augusta, GA
09.2022 - Current
- Developed and maintained relationships with potential customers to increase loan business.
- Monitored changes in relevant federal regulations related to lending practices.
- Performed quality assurance reviews on all closed loans for compliance purposes.
- Reviewed credit histories, income statements, and other financial information of loan applicants.
- Analyzed financial data to determine the feasibility of granting loans.
- Approved or denied loan applications based on established guidelines.
- Negotiated terms and conditions of loan contracts.
- Delivered high levels of customer service to facilitate smooth processes.
- Tracked and managed new leads and followed up on referral business.
- Performed daily maintenance of loan applicant database.
- Grew business banking relationships through proactive outreach.
Branch Manager
1st Franklin Financial
Waynesboro, GA
09.1999 - 09.2021
- Performed regular audits of financial records in order to ensure accuracy.
- Facilitated weekly meetings with staff members to discuss progress on current initiatives.
- Coordinated promotional campaigns for new products or services in order to boost sales revenue.
- Directed daily operations of the branch, including customer service, human resources, sales and marketing activities.
- Ensured compliance with established policies, procedures and regulations governing banking operations.
- Assisted other branches when needed during peak periods or special projects.
- Developed strategies to increase customer satisfaction and loyalty.
- Reviewed loan applications to ensure accuracy and compliance with regulations.
- Monitored financial performance of the bra
Education
Some College (No Degree) - Finance
Valdosta State University
Valdosta, GASkills
- Loan analysis
- Regulatory compliance
- Financial reporting
- Customer service
- Risk assessment
- Data management
Certification
- Mortgage Loan Originator NMLS#150446
Affiliations
- 2015-2022 Active member of The Waynesboro Exchange Club
- 2020-2022 Board of Directors for The Waynesboro Exchange Club
- 2015-2018 Board of Directors for Edmund Burke Academy
Timeline
Branch Manager
1st Franklin Financial
09.2022 - Current
Branch Manager
1st Franklin Financial
09.1999 - 09.2021
Some College (No Degree) - Finance
Valdosta State University
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