James Ames

· Responsible for the preparation, submission, and accuracy of various departmental reports including the annual budget for construction and consumer lending.

· Interview loan applicants, collect and analyze financial data, determine credit worthiness of prospects and the merits of the specific loan request.

· Effectively Manage risk with-in established risk limits by grading new loans and monitoring quality-graded loans when they are assigned.

· Establish, build and strengthen client relationships.

· Identify and generate new construction and consumer loan opportunities for the bank.

· Assess and recognize new and existing construction clients' needs for bank products and services. Create and sell product packages as appropriate.

· Review Appraisals, AVM’s & CMAs for Real Estate loans. Prepare in house evaluations when required.

· Establish and maintain close communication with the Chief Lending Officer with regard to the Budget, business development plan, status, market conditions, and associated opportunities, pricing issues and current industry competition.

· Increase Bank visibility and enhance new business opportunities by representing the bank in the local community through active participation in community affairs and industry organizations.

· Compile loan packages and negotiate with applicants according to established policies.

· Manage residential construction loan portfolio including monitoring and approving draws verified by monthly inspections.

· Maintain close communication with borrower and contractors to ensure a successful project completion.

· In Conjunction with the Construction & Consumer Loan Manager, assists in the preparation of various departmental reports including the annual budget for consumer lending.

· Interview loan applicants, collect and analyze financial data, determine credit worthiness of prospects and the merits of the specific loan request.

· Establish, build and strengthen client relationships.

· Identify and generate new consumer loan opportunities for the bank.

· Assess and recognize new and existing clients' needs for bank products and services. Create and sell product packages as appropriate.

· Review Appraisals, AVM’s, & CMAs for Real Estate loans. Prepare in house evaluations when required.

· Compile loan packages and negotiate with applicants according to established policies.

• Enhanced loan processing efficiency by streamlining documentation and application procedures.
• Minimized instances of delinquency through diligent follow-up on past due accounts, working with clients to find suitable repayment solutions.
• Maintained accuracy in data entry, ensuring error-free loan applications for faster approvals.
• Collaborated with underwriters to expedite loan approvals while maintaining compliance with regulatory guidelines.
• Contributed positively to a professional work environment by maintaining confidentiality of sensitive client information.
• Reduced loan processing time with effective communication between departments and clients.
• Facilitated smooth closings by coordinating all necessary paperwork and obtaining required signatures from involved parties on time.
• Coordinated effectively with third-party vendors such as appraisers or title companies for seamless transactions.
• Reviewed loan files for completeness, identified missing documentation, and generated condition lists for applicants.
• Assisted loan officers with origination and closing processes to fast track procedures and promote teamwork.

• 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.
• Processed customer transactions promptly, minimizing wait times.
• Promoted a welcoming atmosphere in the branch by greeting customers warmly upon arrival and addressing them by name when possible.
• Answered customer inquiries regarding account balances, transaction history, services charges, and interest rates.
• Contributed to a positive work environment by demonstrating professionalism, courteousness, and a strong work ethic.
• Increased cross-selling opportunities by identifying customer needs and recommending appropriate banking products or services.
• Educated customers about online banking tools, promoting ease of use and increased digital adoption rates.
• Enhanced customer satisfaction by efficiently opening new accounts and addressing client inquiries.