Debbie Hinerman
Logan
Summary
Talented Branch Manager successful in managing highly effective teams with a focus on account service and retention. Detail-oriented financial professional with over 30 years of industry experience. Persuasive communicator with proactive approach to resolving account and customer service issues.
Overview
49
49
years of professional experience
Work History
Student Run Representative
Atomic Credit Union
Logan
09.2020 - 05.2024
- Mentored team members by demonstrating best practices for sales and customer service.
- Developed and maintained client rapport to meet financial service needs and drive branch loyalty.
- Developed annual branch business plan for maximum profitability and effectiveness.
- Educated customers on variety of loan products and available credit options to promote valuable decision-making.
- Executed loan origination process, including ordering credit reports, appraisals, preliminary title reports, UCC searches, environmental reports, insurance information and flood certificates.
- Oversaw branch team with 25 customer service representatives. Implemented training for all new employees.
- Analyzed applicants' financial status, credit and property evaluation to determine feasibility of granting loans.
- Networked within communities to identify and capitalize on business opportunities.
- Complied with company policies and government regulations to prevent and detect rule violations and protect organization from fines and lawsuits.
- Boosted customer base, acquiring new customers and identifying needs to deliver relevant products.
- Educated members on various financial products and services offered.
- Collaborated with team members to enhance customer service practices.
- Implemented new procedures to streamline service delivery in branch operations.
- Consistently met daily performance goals set by management team members.
- Provided customer service by answering product and service related questions.
- Greeted customers and responded to inquiries in a timely manner.
- Established relationships with existing customers to promote new product or service opportunities.
- Implemented customer retention strategies to minimize turnover and build loyalty.
- Trained new representatives on product knowledge, sales strategies, and company policies.
Branch/District Manager
The Community Bank
Lancaster
10.1998 - 02.2007
- Oversaw branch operations to ensure compliance with banking regulations and policies.
- Developed and implemented strategic plans to enhance customer service experience.
- Managed staff recruitment, training, and performance evaluations across multiple locations.
- Analyzed market trends to identify growth opportunities within the community banking sector.
- Collaborated with local businesses to promote financial literacy initiatives in the community.
- Facilitated regular meetings with branch managers to discuss operational challenges and solutions.
- Managed all personnel matters within the district including recruitment, hiring, performance reviews, disciplinary actions.
Branch Manager
Bank One Athens, NA
Logan
08.1985 - 07.1990
- Managed daily operations of retail banking branch for optimal service delivery.
- Led team of employees, fostering collaboration and enhancing customer service skills.
- Developed and implemented branch policies aligned with corporate objectives.
- Monitored compliance with banking regulations and internal controls effectively.
- Trained staff on new banking products and services to improve customer engagement.
- Resolved customer inquiries and issues promptly to ensure satisfaction and retention.
- Managed staff scheduling, hiring and training processes.
- Directed daily operations of the branch, including customer service, human resources, sales and marketing activities.
Loan Officer
Farmers and Merchants Bank
Logan
09.1975 - 08.1985
- Evaluated loan applications for accuracy and completeness.
- Assisted clients in understanding loan products and terms.
- Processed documentation for mortgage and personal loans.
- Conducted credit analysis to assess borrower eligibility.
Education
High School Diploma -
Athens High School
The Plains, OH06.1975
Skills
- Meticulous and organized
- Business operations understanding
- Office equipment operations
- Organization and efficiency
- Flexible
- Security understanding
- People-oriented
- Excellent work ethic
- Strong interpersonal skills
- Staff supervision
- Excellent communication skills
- Client relationship management
Timeline
Student Run Representative
Atomic Credit Union
09.2020 - 05.2024
Branch/District Manager
The Community Bank
10.1998 - 02.2007
Branch Manager
Bank One Athens, NA
08.1985 - 07.1990
Loan Officer
Farmers and Merchants Bank
09.1975 - 08.1985
High School Diploma -
Athens High School