Johnnie J. Harris
Chesterfield,VA
Summary
Finance professional with over 20 years of progressive achievement in banking operations, collections, consumer and mortgage lending, and sales. Proven ability to mitigate risk to the institution while maintaining outstanding customer satisfaction. Expertise in credit analysis, underwriting, and risk management. Seeking to leverage extensive expertise in a Centralized Lending - Portfolio Manager role to drive financial performance and operational efficiency.
Overview
25
25
years of professional experience
Work History
Sr. Relationship Banker
Truist
Chesterfield, VA
01.2019 - Current
- Developed credit structures to achieve optimal balance between quality and profitability in designated areas.
- Demonstrated commitment towards adherence to lending strategies, Risk Philosophy, and Risk Appetite alongside prompt client response.
- Conducted financial analysis on statements, assessed multiple financial frameworks and evaluated credit possibilities.
- Executed consumer lending activities in adherence to Truist's policies and procedures.
- Cultivated strong relationships with Risk Management and client managers to enhance loan performance and minimize risks
- Achieved proactive portfolio management resulting in a 100% reduction in loan defaults
Senior Business Solution Specialist
Verizon Wireless
Chesterfield, VA
08.2009 - 01.2019
- Successfully maintained a top ten ranking in sales quota and customer satisfaction among a team of 300 employees.
- Demonstrated outstanding abilities to promote and enhance customer satisfaction levels through consistent delivery of quality services, surpassing organizational standards by achieving record-high scores averaging 78%.
- Handled customer account management duties while achieving optimal credit terms through negotiations
- Generated impressive customer base through effective marketing strategies
- Developed solution designs for customer business problems based on technical and functional requirements.
- Provided pre-sales technical support to customers in the evaluation stage of products or services.
Collection Specialist
SunCom Communication
Chesterfield, VA
06.2008 - 08.2009
- Evaluated creditworthiness of customers for prospective products
- Exceeded inbound past due accounts collections quotas
- Developed solutions to resolve customer payment disputes or discrepancies.
- Identified delinquent accounts and initiated appropriate collection action in accordance with the company's policies.
- Analyzed customer creditworthiness, financial condition, and account history to determine appropriate collection action.
Area Sales Specialist
Macy’s
Chesterfield, VA
08.2007 - 08.2009
- Maintained over $200/hr in revenue.
- Increased ticket sales through effective strategies and customer engagement
- Delivered consistent results by successfully persuading customers to complete credit applications, resulting in significant sales growth
- Resolved customer complaints in a timely manner.
Consumer/Mortgage Underwriter
C & F Mortgage
Chesterfield, VA
06.2007 - 12.2007
- Outperformed company standards by garnering a 60% or better rate of satisfied customers
- Conducted financial statement analysis
- Assessed risk levels associated with each loan application based on established criteria.
- Reviewed and analyzed loan applications for completeness and accuracy.
- Evaluated collateral properties to assess market value.
- Prepared detailed underwriting reports for management review.
Consumer/Mortgage Lender
Bank of America
Chesterfield, VA
01.2000 - 01.2007
- Consistently exceeded sales targets by 25-50% on average
- Tailored suggestions based on individual needs and company protocols
- Gathered client debt, credit and income information to determine loan eligibility.
- Educated customers on individual state and company regulations
- Negotiated terms of loan agreements with borrowers.
- Maintained current knowledge of banking regulations, industry standards and best practices.
Education
Additional Coursework -
John Tyler Community College
Chesterfield, VA01.2004
Some College (No Degree) - Accounting
Richard Bland College of William And Mary
Petersburg, VASkills
- Credit Analysis and Underwriting
- Analysis of Complex Financial Data
- Relationship building and management
- Decision-Making Capabilities
- Efficiency-Driven
- Proficient in Client Central
- Proficient in Sprint
- Efficient Using Microsoft Office
- Successful History in Mortgage Lending
- Outstanding Customer Service Record
- Portfolio Management
- Account closings
- Financial Advising
- Account audits
- Customer Service-Oriented
- Customer financing
References
Available upon request.
Timeline
Sr. Relationship Banker
Truist
01.2019 - Current
Senior Business Solution Specialist
Verizon Wireless
08.2009 - 01.2019
Collection Specialist
SunCom Communication
06.2008 - 08.2009
Area Sales Specialist
Macy’s
08.2007 - 08.2009
Consumer/Mortgage Underwriter
C & F Mortgage
06.2007 - 12.2007
Consumer/Mortgage Lender
Bank of America
01.2000 - 01.2007
Additional Coursework -
John Tyler Community College
Some College (No Degree) - Accounting
Richard Bland College of William And Mary