Kristie Fairbanks Miranda
Hutchinson Island,FL
Summary
Strong leader and problem-solver dedicated to streamlining operations to decrease costs and promote organizational efficiency. Uses independent decision-making skills and sound judgment to positively impact company success. Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals.
Overview
33
33
years of professional experience
1
1
Certification
Work History
Member Service Advisor III
IThink Financial Credit Union
Hutchinson Island, FL
05.2018 - Current
- Consistently met or exceeded performance targets, demonstrating a strong commitment to achieving organizational goals.
- Mentored new hires, providing extensive training on company policies and procedures to ensure seamless integration into the team.
- Used critical thinking to break down problems, evaluate solutions and make decisions.
- Met customer call guidelines for service levels, handle time and productivity.
- Increased loan approval rates by efficiently assessing borrower profiles and accurately determining creditworthiness.
- Monitored pipelines to track and log status of loans.
Branch Manager
IThink Financial/Oculina Bank
Stuart, FL
10.2016 - 04.2018
- Implemented effective sales strategies to achieve branch targets and exceed expectations consistently.
- Enhanced staff competency with regular training sessions, boosting productivity levels across the branch operations
- Generated financial and operational reports to assist management with business strategy.
- Developed a high-performing team through targeted recruitment, training, and performance management initiatives.
- Performed banking, business administration and financial tasks to guarantee five-star service for clients.
Indirect Loan Officer, Underwriter
IThink Financial
Delray Beach, FL
05.2015 - 07.2016
- Assessed and advised on loan applications utilizing in-depth underwriting process understanding.
- Made approval and denial recommendations by determining accurate risk levels.
- Used critical thinking to break down problems, evaluate solutions and make decisions.
- Documented underwriting decisions and provided evidence of compliance with applicable regulations.
- Improved risk assessment accuracy by conducting thorough reviews of loan applications and financial documents.
- Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
- Reduced company losses by identifying potential risks and recommending appropriate mitigating measures.
Financial Sales Consultant III
PNC Bank
Palm Beach, FL
01.2014 - 05.2015
- MLO Certified/ Consumer Loan Specialist
- Created strategies to develop and expand existing customer sales, resulting in increase in annual sales.
- Partner with Branch Manager and Teller Supervisor to adhere to Branch Audit requirement.
- Advised clients on retirement planning strategies, enabling them to achieve their long-term financial goals with confidence.
- Approved loan applications based on customer creditworthiness and provided detailed financial advice.
Teller Supervisor
PNC Bank
Lake Worth, FL
01.2013 - 01.2014
- Responsible for Managing 7 employees.
- Balancing Cash Vault and Scheduling
- Assist Branch Manager conduct Weekly Sales Meetings & Establishing Sales Goals.
- Implement training for employees to include Federal Regulations, Robbery (procedures to follow before, during and after)
- Responsible for guiding team to adhere to Audit Policies Procedures and loss avoidance
- Responsible for employee Sales and Referral process
- Work with Internal Partners to grow Business
- Completed paperwork, recognizing discrepancies and promptly addressing for resolution.
Account Executive PNC Merchant Services
PNC Bank
West Palm Beach, FL
01.2012 - 01.2013
- Acquire New Merchant Accounts by selling a variety of payment processing products and services
- Assigned to 3 regions and 10 branches to help grow branch profitability and meet monthly sales goals
- Partner with internal partners to help grow bank relations with business clients
- Managed sales cycle to maintain solid customer base.
- Selected correct products based on customer needs, product specifications and applicable regulations.
- Negotiated contracts successfully, securing favorable terms for both the company and clients.
- Developed and maintained strong working relationships with professionals within assigned territory.
Financial Sales Consultant III
PNC Bank
West Palm Beach, FL
01.2007 - 01.2012
- MLO Certified/ Consumer Loan Specialist
- Offered competitive commercial banking solutions and retail financing options.
- Developed advanced product knowledge to share current information while generating and delivering products quotes.
- Oversaw financial sales to monitor compliance with legal requirements and company policies.
- Advised clients on retirement planning strategies, enabling them to achieve their long-term financial goals with confidence.
- Advised clients on mortgage, education and personal loans.
- Examined customer loan applications for loan approvals and denials.
Commercial Loan Representative III
PNC Bank/Fidelity Federal
West Palm Beach, FL
01.2005 - 05.2007
- Booking and documenting loans to secure collateral
- Partial Releases and Construction Draws
- Floor Planning/Letters of Credit
- Credit Review and References
- Demonstrated strong organizational and time management skills while managing multiple projects.
- Minimized errors in loan documentation by implementing strict quality control measures.
- Collected, arranged, and input information into database system.
- Exceeded performance targets through diligent work ethic and focus on results-driven tasks.
Balancing and Adjustment Coordinator
PNC Bank/Fidelity Federal
West Palm Beach, FL
01.1998 - 01.2005
- Reconcile over 150 Back office and Branch GL Accounts
- Reconcile Federal Reserve and Same Day Settlement
- Researched and Corrected Fed and SDS Adjustments
- Responsible for Branch recovery of Losses
- Customer deposit corrections and detect possible fraud.
- Interceded between employees during arguments and diffused tense situations.
- Gathered and organized materials to support operations.
- Gained extensive knowledge in data entry, analysis and reporting.
Assistant Branch Manager
PNC Bank/Fidelity Federal
Palm Beach, FL
01.1993 - 01.1998
- Responsible for Balancing Vault, Schedules, Weekly Sales Meetings, & Establish Sales Goals.
- Responsible for guiding staff to follow Policies Procedures and adhere to Loss Avoidance Guidelines
- Assisted with day-to-day operations, working efficiently and productively with all team members.
- Managed branch size of over $50 Million dollars in deposits and team of 5 full time employees.
Education
Business And Commercial Lending Certification - Business Banking
PNC Bank
West Palm Beach, FL11.2013
Palm Beach State College
Lake Worth, FLSkills
- Proficient in Microsoft Word, Excel, Access, Power Point, Outlook, Meridian Link
- Excellent Analytical Ability
- Always a Team Player
- Organizational Skills
- Credit and collections
- Critical Thinking
- Records and Database Management
- Relationship Building
- Business Administration
- Analytical Thinking
- Document Review
- Attention to Detail
- Document Preparation
Certification
- Notary
Languages
Spanish
Full Professional
Timeline
Member Service Advisor III
IThink Financial Credit Union
05.2018 - Current
Branch Manager
IThink Financial/Oculina Bank
10.2016 - 04.2018
Indirect Loan Officer, Underwriter
IThink Financial
05.2015 - 07.2016
Financial Sales Consultant III
PNC Bank
01.2014 - 05.2015
Teller Supervisor
PNC Bank
01.2013 - 01.2014
Account Executive PNC Merchant Services
PNC Bank
01.2012 - 01.2013
Financial Sales Consultant III
PNC Bank
01.2007 - 01.2012
Commercial Loan Representative III
PNC Bank/Fidelity Federal
01.2005 - 05.2007
Balancing and Adjustment Coordinator
PNC Bank/Fidelity Federal
01.1998 - 01.2005
Assistant Branch Manager
PNC Bank/Fidelity Federal
01.1993 - 01.1998
Business And Commercial Lending Certification - Business Banking
PNC Bank
Palm Beach State College