Jennifer Creary
Pensacola
Summary
Seasoned financial professional with a proven track record at Bank of America, adept in loan analysis and strategic planning. Excels in regulatory compliance and team leadership, significantly enhancing operational efficiency and customer satisfaction. Demonstrates a keen ability to engage clients and manage risks, driving business growth and fostering robust team dynamics.
Results-driven Loan Officer with solid background in mortgage and loan processing. Bring strong understanding of banking regulations, underwriting policies, and risk analysis, while delivering top-notch customer service. Possess ability to cultivate relationships with borrowers and lenders alike, helping to secure optimal financing options. Past roles demonstrate consistent success in meeting sales goals and facilitating smooth loan processing procedures.
Bilingual individual willing to go the extra mile to ensure quality service to each and every customer. A dependable Loan Specialist committed to explaining complex information in easy to understand terminology.
Self-motivated professional highly proficient in developing creative solutions and implementing objective decision making. Maintains positive attitude and works hard to build team relationships.
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
2016
2016
years of professional experience
Work History
Loan Officer
Central Credit Union of Florida, Pensacola, Fla
Pensacola
05.2015 - 05.2015
- Analyzed applicant financial and credit status, evaluating assets and risk to determine loan feasibility.
- Responded promptly to customer inquiries regarding their accounts or other matters related to consumer lending operations.
- Reviewed loan agreements to verify completeness and accuracy according to applicable policies.
Assistant Banking Center Manager, AVP
Bank of America
Pensacola
05.2005 - 05.2013
- Checked payroll, vendor payments and other accounting disbursements for accuracy and compliance.
- Provided direct supervision of staff including coaching, training and performance reviews.
- Analyzed competitors and market trends to facilitate business growth.
- Contributed to the development of marketing plans for new products or services.
- Evaluated transactions and account openings to check for compliance with government guidelines.
- Created and updated financial reports on frequent basis to present information to leadership teams.
- Created and improved team and business policies.
- Communicated effectively with other departments to coordinate projects or initiatives.
- Assisted senior management with developing budget proposals.
- Developed and implemented strategies to improve customer service, increase sales, and reduce operating costs.
- Monitored loan applications for accuracy, completeness and proper documentation prior to approval.
- Analyzed financial data to identify trends in customer needs and preferences.
- Managed daily operations of the banking center including opening and closing procedures and balancing cash drawers.
- Conducted customer outreach activities such as seminars and workshops on financial literacy topics.
- Coordinated preparation of external audit materials and external financial reporting.
- Worked with other department leaders to promote services and deliver seamless banking experience.
- Invested funds and recommended appropriate dividend issuances based on historical dividend patterns and expected cash flows.
- Created detailed manual instructions for staff members on how to perform specific tasks.
- Analyzed actual financial results to budget, preparing variance reporting to functional groups.
- Developed and implemented financial strategies to maximize profits and reduce costs.
- Completed month-end and year-end closings, kept records audit-ready and monitored timely recording of accounting transactions.
- Conducted reviews and evaluations for cost-reduction opportunities.
- Prepared reports on operational performance metrics for review by upper management.
- Developed or analyzed information to assess current or future financial status of firms.
- Created financial management mechanisms to minimize financial risk to business.
- Maintained regular performance appraisals for subordinates through verbal, written and on-going review programs.
- Performed periodic audits of accounts to ensure accuracy of records.
- Tracked customer feedback on product offerings or services provided by the bank.
- Ensured compliance with all banking regulations, policies and procedures.
- Identified areas for improvement in processes and systems within the bank branch.
- Resolved customer complaints in a timely manner while maintaining customer satisfaction levels.
- Managed relationships with tax authorities, bankers and auditors.
- Maintained relationships with existing customers through regular follow-up calls or visits.
- Advised customers on various banking services available that best suit their needs.
- Developed and led performance-oriented team dedicated to accomplishing sales and service objectives.
- Encouraged team collaboration among employees at all levels of the organization.
- Developed invoicing systems and internal controls to boost billing efficiencies.
- Tracked metrics to maintain current understanding of center operations.
- Completed day-to-day duties accurately and efficiently.
- Managed household errands and other essential duties.
- Completed routine maintenance and repair.
- Worked successfully with diverse group of coworkers to accomplish goals and address issues related to our products and services.
- Provided support and guidance to colleagues to maintain a collaborative work environment.
- Worked with cross-functional teams to achieve goals.
- Prioritized and organized tasks to efficiently accomplish service goals.
- Updated and maintained databases with current information.
- Managed inventory and supplies to ensure materials were available when needed.
- Assisted with customer requests and answered questions to improve satisfaction.
- Demonstrated strong problem-solving skills, resolving issues efficiently and effectively.
- Exceeded customer satisfaction by finding creative solutions to problems.
- Worked effectively in team environments to make the workplace more productive.
- Approached customers and engaged in conversation through use of effective interpersonal and people skills.
- Provided excellent service and attention to customers when face-to-face or through phone conversations.
- Mitigated business risks by working closely with staff members and assessing performance.
- Implemented campaigns and promotions to help with developing goods and services.
- Identified potential risks associated with new projects or initiatives and developed mitigation plans accordingly.
- Reviewed financial statements and sales or activity reports to measure productivity or goal achievement.
- Used excellent verbal skills to engage customers in conversation and effectively determine needs and requirements.
- Delegated work to staff, setting priorities and goals.
- Conducted regular meetings with stakeholders to review performance against goals and objectives.
- Forecasted customer demand to set prices or credit terms for goods or services.
- Monitored progress by establishing plans, budgets and measuring results.
- Developed strategic plans to increase efficiency across all departments while reducing overall costs.
- Evaluated employee performance through observation of job duties as well as feedback from customers and clients.
- Managed relationships with external partners such as consultants, vendors, contractors.
- Created training materials and facilitated workshops to ensure staff was up-to-date on industry best practices.
- Led weekly status meetings with project teams in order to track progress against milestones.
- Coordinated cross-functional teams in order to deliver large scale projects within agreed upon timelines.
- Monitored financials including budgets, forecasts, and actuals, ensuring accuracy of information provided by subordinates.
- Directed or coordinated financial or budget activities to fund operations and maximize investments.
- Developed and implemented strategic plans to achieve company objectives.
- Completed thorough opening, closing, and shift change functions to maintain operational standards each day.
- Provided leadership, insight and mentoring to newly hired employees to supply knowledge of various company programs.
- Coordinated and directed activities of businesses or departments concerning production, pricing and sales.
- Provided leadership, direction, guidance, and support to team members on a daily basis.
- Formed and sustained strategic relationships with clients.
- Established key metrics to measure effectiveness of projects and initiatives.
- Reviewed existing policies and procedures related to operations, finance, human resources.
- Used strong issue resolution and communication skills to cultivate and strengthen lasting client relationships.
- Implemented process improvements that resulted in improved operational efficiencies.
- Collaborated with senior management to identify cost-saving opportunities and develop strategies for achieving financial objectives.
- Improved productivity initiatives, managing budgets and accounts, coordinating itinerary and scheduling appointments.
- Created effective business plans to focus strategic decisions on long-term objectives.
- Achieved cost-savings by developing functional solutions to problems.
Own
Pretty In Pink Cleaning Services
Pensacola
- Collaborated closely with team members to achieve project objectives and meet deadlines.
- Assisted with customer requests and answered questions to improve satisfaction.
- Worked with cross-functional teams to achieve goals.
- Demonstrated strong problem-solving skills, resolving issues efficiently and effectively.
- Identified needs of customers promptly and efficiently.
- Prioritized and organized tasks to efficiently accomplish service goals.
Banking Center Manager
Regions Bank
Pensacola
- Implemented new technologies into the banking center's systems in order to improve efficiency.
- Prepared monthly reports detailing the center's financial performance against set targets.
- Monitored daily banking activities to ensure compliance with applicable regulations and laws.
- Created financial management mechanisms to minimize financial risk to business.
- Conducted regular meetings with branch personnel to discuss goals, objectives, policies, procedures, and customer service standards.
- Checked payroll, vendor payments and other accounting disbursements for accuracy and compliance.
- Assisted customers with their inquiries regarding banking products or services via phone or email communication.
- Developed and implemented financial strategies to maximize profits and reduce costs.
- Evaluated transactions and account openings to check for compliance with government guidelines.
- Developed and led performance-oriented team dedicated to accomplishing sales and service objectives.
- Delivered comprehensive bank-wide process flows for sales, originations, underwriting, closing and servicing activities, including identification of applicable regulations, risks, controls, and opportunities for improvement.
Education
Some College (No Degree) - Sport psychology
Liberty University
Lynchburg, VACertificate - Paramedicine
The University of West Florida
Pensacola, FLSkills
- Loan analysis
- Financial reporting
- Regulatory compliance
- Risk assessment
- Customer service
- Team leadership
- Performance evaluation
- Budget management
- Strategic planning
- Effective communication
- Problem resolution
- Process improvement
- Cross-functional collaboration
- Customer engagement
- Bilingual in Spanish
- Financial services
- Mortgage lending
- Customer service-focused
- Terms negotiation
- Documentation review
- Loan servicing
- Business development
- Credit assessment
- Credit
- Banking
- Loan product promotion
- Friendly
- Typing [number] wpm
- Reliable
- Financial planning expert
- Debt restructuring
- Relationship building and management
- Team player
- Excellent time management
- Applicant communication
- Loan application management
- Client relations
- Credit analysis
- Consumer lending
- Loans
- Excellent communicator
- MS office guru
- Cash handling
- Financial advising
- Team building
- Customer relationship management
- Time management
- Data-driven decision making
- Operational excellence
- Workforce planning
- Process improvements
- Organizational development
- Facilities management
- Production planning
- Management
- Performance appraisal
- Experience in financial projections
- Operations management
- Demand planning
- Distribution management
- Inventory forecasting
- Safety management
- Maintenance management
- Leadership training
- Performance analysis
- Operations oversight
- Sales projections preparation
- Strategic planning and execution
- Production
- Cross-functional coordination
- Cost reduction
- Labor relations
- Employee engagement
- Delegation
- Financial controls implementation
- Asset management
- Supervision and training
- Program optimization
- Staff management
- Product promotion
- Policy development and enforcement
- Communication
- Customer service management
- Reliability
- Program administration
- Experience balancing sheets
- Expense budgets mastery
- Supply chain management
- Capacity planning
- Technology
- Problem solving
- Sales strategies
Timeline
Loan Officer
Central Credit Union of Florida, Pensacola, Fla
05.2015 - 05.2015
Assistant Banking Center Manager, AVP
Bank of America
05.2005 - 05.2013
Own
Pretty In Pink Cleaning Services
Banking Center Manager
Regions Bank
Some College (No Degree) - Sport psychology
Liberty University
Certificate - Paramedicine
The University of West Florida