James Alexander
Chambersburg,PA
Summary
Proven leader with extensive experience at Patriot Federal Credit Union, adept in enhancing team performance and achieving sales goals through effective relationship building and strategic decision-making. Skilled Member service, I excel in driving revenue growth and improving operational efficiency. Demonstrated success in staff training and development, with a keen ability to exceed targets by leveraging sales techniques and upselling strategies.
Overview
15
15
years of professional experience
Work History
Senior Membership Representative
Patriot Federal Credit Union
01.2024 - Current
- Advised executive leadership on strategic decisions related to membership offerings by providing detailed reports on trends, projections, and potential opportunities.
- Developed strong relationships with community partners to increase brand awareness and expand referral networks for potential members.
- Trained new staff members on company procedures, systems, and best practices in member engagement and retention efforts.
- Enhanced team performance through regular training sessions on industry regulations, compliance standards, and best practices for loan interviewing.
- Collaborated with underwriters to ensure accurate assessment of applicant''s financial status, resulting in reduced risk exposure for the organization.
- Ensured timely completion of all required pre-funding conditions while keeping applicants informed throughout the entire loan process.
- Product responsible for selling are (Consumer and Personal Acccounts, Secured and Unsecured loans, Savings, Draft, CD's, Home Equity loans.
- Achieve monthly and annual sales goals.
- Improved loan processing efficiency by streamlining application review procedures and documentation requirements.
- Promoted a positive work environment through effective collaboration with team members across departments such as processing, closing, quality control, and servicing teams.
- Played a key role in reducing delinquency rates by conducting thorough financial assessments and recommending appropriate loan modifications when necessary.
- Actively participated in weekly pipeline meetings to review application status, discuss challenges, and strategize ways to expedite loan closings.
- Conducted comprehensive interviews with prospective borrowers, gathering essential information needed for accurate decision-making regarding loan approvals.
- Worked closely with borrowers experiencing financial difficulties to develop feasible repayment plans or recommend alternative solutions such as loan modifications or refinancing options.
- Verified credit histories, personal references and employment backgrounds for each applicant.
- Prepared loan documents and explained terms to clarify loan conditions and requirements with applicants.
- Calculated debt-to-income ratios to determine maximum loan amounts and avoid overextending applicants.
- Analyzed credit reports to assess risk and determine applicants' ability to repay loans.xxxx
- Interviewed loan applicants to obtain personal and financial data to assist in completing applications.
- Readied Truth-in-Lending Disclosures for loan applicants, delivering important information about loan APR and repayment terms.
- Conduct Home Equity Loan Closings
- Cross- Sale Products and Services
Branch Manager
Patriot Federal Credit Union
03.2019 - 01.2024
- Managed daily branch operations for optimal efficiency and performance, resulting in improved customer experiences.
- Led a team of banking professionals, providing regular coaching and development opportunities for career growth.
- Maintained confidentiality of bank records and client information to prevent mishandling of data and potential breaches.
- Fostered strong relationships with clients by addressing their needs promptly and providing personalized financial solutions.
- Promoted a culture of innovation by encouraging staff to share ideas and solutions that improved overall branch operations and customer service levels.
- Conducted regular audits of branch operations to maintain compliance with internal policies and external regulations.
- Examined customer loan applications for loan approvals and denials.
- Implemented risk management processes to identify potential risks, reducing losses and maintaining compliance with regulatory requirements.
- Boosted branch revenue through targeted marketing campaigns aimed at attracting new clients and retaining existing ones.
- Optimized staff productivity through effective scheduling, task delegation, and performance monitoring.
- Oversaw employee recruitment processes to ensure hiring of qualified candidates who contributed positively to the bank''s goals and culture.
- Strengthened cross-selling initiatives by identifying customers'' financial needs and recommending suitable products or services.
- Resolved escalated customer issues quickly and efficiently while demonstrating empathy towards clients' concerns resulting in higher customer retention rates.
- Interviewed and hired talented individuals with top-level strengths, improving organizational talent, and skill set.
- Developed and executed strategies to grow the bank''s loan portfolio, expanding business opportunities.
- Maintained friendly and professional customer interactions.
- Complied with regulatory guidelines and requirements.
- Enhanced branch production rates by handling staff conflicts, evaluations, hiring, and termination processes and coaching employees on company protocol and payroll operations.
- Met deadlines by proactively managing individual and team tasks and streamlining processes.
- Consulted customers to boost product sales and services.
- Submitted loan applications to underwriter for verification and recommendation.
- Developed strategic plans for day-to-day financial operations.
- Prepared internal and regulatory financial reports, balance sheets and income statements.
Sales Representative
Shentel
01.2010 - 03.2019
- Enhanced client satisfaction by addressing concerns promptly and providing exceptional service.
- Generated additional sales opportunities with upselling and cross-selling techniques.
- Expanded customer base through cold calling, networking, and relationship building.
- Increased sales revenue by identifying and targeting high-potential accounts.
- Maintained up-to-date knowledge of industry trends for informed decision-making during client interactions.
- Consistently met or exceeded quotas by implementing strategic sales plans and effective time management.
- Conducted product demonstrations to educate customers on features, benefits, and competitive advantages.
- Increased repeat business by fostering trust-based relationships with key accounts through regular communication.
- Exceeded sales targets through effective planning and goal setting.
- Boosted team morale and productivity by leading weekly sales strategy meetings.
- Listened to customer needs and desires to identify and recommend optimal products.
Education
Associate of Arts - Business Studies
Harrisburg Area Community College
Gettysburg, PA05.2007
Skills
- Patience and Tolerance
- Goal-Oriented
- Building Relationships
- Data entry proficiency
- Upselling strategies
- Performance Tracking
- Cross-selling techniques
- Membership Processing
- Written and oral communication
- Relationship Building
- Materials, applications, and other documentation
- Team Training
- Staff Scheduling
- Teamwork and Collaboration
- Customer Service
- Problem-Solving
- Time Management
- Multitasking
- Reliability
- Excellent Communication
- Organizational Skills
- Active Listening
- Effective Communication
- Decision-Making
- Team building
- Staff Training
- Time management abilities
- Product and Service Sales
- Sales Techniques
Timeline
Senior Membership Representative
Patriot Federal Credit Union
01.2024 - Current
Branch Manager
Patriot Federal Credit Union
03.2019 - 01.2024
Sales Representative
Shentel
01.2010 - 03.2019
Associate of Arts - Business Studies
Harrisburg Area Community College
Similar Profiles
Erin KluczkowskiErin Kluczkowski
Service Representative at Patriot Federal Credit UnionService Representative at Patriot Federal Credit Union
Beverly J. LeggeBeverly J. Legge
Senior Service Representative at Patriot Federal Credit UnionSenior Service Representative at Patriot Federal Credit Union
Shantell TerrelongeShantell Terrelonge
Bank Teller at Patriot Federal Credit UnionBank Teller at Patriot Federal Credit Union