Jerry L Robinson, Jr.

High School substitute teacher in the Jefferson County, AL school district.

Administering lesson plans to classrooms of 30 plus students.

Worked 3 month consecutive assignments at 3 different schools

• Enforced classroom routines to keep students on schedule and operating at consistent level.
• Assigned homework to students based on curricula and modified based on daily progress.

• Managed and inspired team members to perform to full potential, driving branch profitability.
• Assigned duties to employees and examined work for accuracy, neatness and timeliness.
• Built strong rapport with new and existing clients to better serve financial needs and promote branch loyalty.
• Increased efficiency and drove branch revenue by optimizing daily operations.
• Established and built customer relationships through targeted outreach and initiatives.
• Verified cash by balancing cash drawers and maintaining cash count records.
• Worked cross-functionally to plan and establish branch goals, supporting strategic objectives.
• Complied with company policies and government regulations to prevent and detect rule violations and protect organization from fines and lawsuits
• Made collection calla on past due consumer and commercial loans.

Created a strategic business plan to implement the company's first ever sales division.

Grew customer base and increased sales by $8 million within the first six months.

Successfully brought in several high end commercial clients including a bankruptcy trustee and a large industrial operation resulting in over a million dollars in online auction sales.

Started and managed a local community banking Special Assets Department with oversight of teller function, and implementation of risk management program to cure arrearage of past due accounts.

Acquired loan customers by working within established banking center guidelines.

Managed a 30 million consumer and commercial loan past due portfolio developing timely loan workout payment plans to maximize return on principal balance of past due debt.

Prepared loan packages to senior loan committee applying excellent credit analysis and the application of the 5c's of credit.

Developed extensive vendor relationships including working closely with attorneys, realtors, and property management personnel.

Superior customer service and credit analysis skills including review of large balance consumer and commercial loan trouble debt restructures, debt to income ratio analysis, tax returns and financial statements and direct contact with bank clients

Worked closely with outside attorneys to enforce bank's rights and remedies and ensure collateral position of institution in regards to past due accounts. Also did foreclosures and repossessions and achieved goal of 75% return on principal balance of debt on sale of foreclosured properties.

Maintained credit files and worked closely with bank regulators to ensure compliance.

Effectively managed a 20 million dollar consumer and commercial loan portfolio developing timely workout resolution plans

Sold over 10 million in OREO, maintained a 90% return on principal balance of debt.

Developed 3rd party vendor relationships and revamped appraisal review process.

Worked closely with outside attorneys to ensure and protect collateral interest of the bank

Serviced all bankruptcy accounts an worked closely with bankruptcy attorneys to insure bank's claims were filed in a timely manner and bank was represented at 341 meetings

Responsible for ordering updated appraisals and environmental reports prior to foreclosure of commercial properties.

Established a network of SBA liquidation attorneys and worked closely with counsel to ensure presentation of proper documentation for timely resolution of liquation process on SBA guaranty.

Effectively managed a 30 million consumer and commercial past due loan portfolio while resolving problem loans at a 75% resolution rate.

Restructured department legal process reducing legal fees by 70%.

Effectively managed repossession and foreclosure process.

Sold over 5 million in OREO.

• Negotiated customer rates and processed payments using [Software].
• Located debtors by utilizing skip tracking and other strategies.
• Collected past due amounts on credit cards, consumer and commercial loans.