Christy Bounds
Philadelphia,MS
Summary
Highly-motivated employee with desire to take on new challenges. Strong work ethic, adaptability, and exceptional interpersonal skills. Adept at working effectively unsupervised and quickly mastering new skills.
Overview
18
18
years of professional experience
1
1
Certification
Work History
Credit Dept
The Citizens Bank
Philadelphia, MS
03.2024 - Current
- Reviewed customer payment histories to determine if additional security was needed before granting credit lines.
- Maintained accurate records of all transactions involving the extension of credit.
- Maintained accurate and up-to-date records of all credit transactions and decisions.
- Created and updated financial reports on frequent basis to present information to leadership teams.
- Analyzed customer financial statements, credit reports, and other data to assess risk of extending credit.
- Compiled data and analyzed latest trends, identifying risks preventatively.
- Ensured compliance with all relevant state and federal regulations pertaining to consumer lending practices.
- Provided guidance and support for employees within the Credit Department as needed.
Insurance Agent/CSR
Ledkins Ins Agency
Jackson, MS
03.2023 - 09.2023
- Processed payments received from clients promptly according to established procedures.
- Explained coverage options to potential policyholders, answering questions or concerns.
- Negotiated contracts between insurers and insured parties in order to obtain favorable terms for both sides.
- Responded to customer inquiries and problems to promote great service.
- Strengthened traceability by developing organization systems for keeping records, reports, and agendas.
- Conducted telephone appointments with prospective clients to build rapport and sell insurance services.
- Monitored clients' insurance coverages to ensure changing needs were met.
- Sought out new clients and developed clientele by networking to find new customers.
- Prepared documents such as applications, endorsements, renewals, cancellations, or other forms required by law or company procedures.
- Remained current on latest industry trends by gaining comprehensive knowledge of financial and insurance products, services, and best practices.
- Developed relationships with new clients through cold calling and referrals from existing customers.
- Resolved customer complaints in a timely manner to maintain high satisfaction levels.
Insurance Agent
Renasant Bank
Louisville, MS
06.2007 - 01.2023
- Achieved repeat business and referrals through personalized services.
- Scheduled meetings with prospective clients to discuss available products and services.
- Developed appropriate quotes based on risk information.
- Conducted research to identify competitive rates and benefits offered by other providers.
- Strengthened traceability by developing organization systems for keeping records, reports, and agendas.
- Contacted underwriters and submitted forms to obtain binder coverage.
- Responded to customer inquiries and problems to promote great service.
- Provided customers with information regarding plan features, pricing, and availability.
- Monitored clients' insurance coverages to ensure changing needs were met.
- Greatly improved office operations by reducing backtracking of work through creation of material movement process.
- Ensured compliance with applicable laws, regulations, and company policies while selling insurance products.
- Maintained accurate records of all insurance transactions using computer software systems.
- Processed payments received from clients promptly according to established procedures.
- Conducted meetings or phone calls with potential clients to present insurance policies and answer questions.
- Resolved customer complaints in a timely manner to maintain high satisfaction levels.
- Developed and implemented comprehensive insurance plans for clients according to their individual needs.
- Remained current on latest industry trends by gaining comprehensive knowledge of financial and insurance products, services, and best practices.
- Participated in continuing education courses to stay current on industry trends and changes in regulations.
- Monitored market conditions to ensure that existing policies remain competitively priced.
Education
Associate of Arts - Buisness
East Central Community College
Decatur, MS05-1997
High School Diploma -
Philadelphia High School
Philadelphia05-1986
Skills
- Credit scoring
- Debt management
- Portfolio management
- Budgeting and planning
- Customer relations
- Credit control
- Sales proficiency
- Policy application
- Credit evaluations
- Procedure enforcement
- Policy implementation
- Loan origination
- Regulatory compliance
- Application review
- Underwriting expertise
- Client relationship management
- Application processing
- Loan decision assessments
- Credit reports
- Policy development
- Sales expertise
- Records management
- Customer engagement
- Loan policy limits
- Loan reviews
Certification
- Insurance License with MS, LA and TN Property and Casualty and Life and Health
- CISR designation
Timeline
Credit Dept
The Citizens Bank
03.2024 - Current
Insurance Agent/CSR
Ledkins Ins Agency
03.2023 - 09.2023
Insurance Agent
Renasant Bank
06.2007 - 01.2023
Associate of Arts - Buisness
East Central Community College
High School Diploma -
Philadelphia High School
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