Kristy Clement
Oklahoma City Metro,United States
Summary
Associate Banker with over 12 years of experience in the financial industry, specializing in loan processing, customer relationship management, and regulatory compliance. Demonstrates strong leadership, communication, and problem-solving skills, consistently exceeding targets and enhancing branch profitability. Committed to fostering a collaborative team environment and driving innovative solutions to improve operational efficiency and customer satisfaction.
Overview
12
12
years of professional experience
Work History
Associate Banker
BMO Harris Bank
09.2022 - Current
- Contributed to team success by identifying and addressing operational and service line issues and solutions
- Analyzed client needs and banking trends to provide tailored financial solutions
- Utilized tool 'my financial compass' to assist in making the right recommendations to our customers while also active listening to each and every 1 of our customers needs
- Delivered exceptional client service, maintaining a perfect 10/10 customer satisfaction score for over 2 years now.
- Exceeded 3/4 quarterly goals showcasing consistent performance excellence
- I open all accounts including checking and savings, certificate of deposits, credit card applications, printing debit cards in branch and filing disputes for inaccurate charges
- Maintained accurate records of all transactions, keeping track of daily activities for auditing purposes.
- Strengthened client relationships through consistent communication and personalized attention to individual needs.
- Balanced teller drawers and ATM cash.
- Supported branch management with administrative tasks such as scheduling appointments, filing documents, generating reports, and maintaining office supplies inventory.
- Mentored new associates on bank policies, product offerings, sales techniques, customer service standards ensuring smooth integration into the team environment.
- Facilitated seamless account openings, closings, transfers, and updates for a diverse clientele base.
- Adhered to established security procedures and reported potential fraud or safety violations to management for immediate recourse.
- Boosted branch revenue with diligent cross-selling of various banking products and services.
- Provided exceptional customer service through active listening skills, empathy, and genuine concern for clients'' needs and concerns.
- Assisted customers with setting up or closing accounts, completing loan applications, and signing up for new services.
- Managed risk effectively by adhering to bank policies, procedures, and regulatory requirements during transactions and account opening processes.
- Collaborated with team members to achieve sales targets and maintain high-quality customer service standards.
- Enhanced client satisfaction by promptly addressing inquiries and providing tailored financial solutions.
Branch Manager
Lend Nation
02.2019 - 06.2022
- Led branch operations, optimized loan processes, and mentored staff, resulting in improved customer satisfaction and revenue growth.
- Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
- Ensured accuracy of client information, verifying data collected during the application process and updating records as needed.
- Assisted clients in understanding complex financial documents required for completing their loan applications successfully.
- Reviewed loan files for completeness, identified missing documentation, and generated condition lists for applicants.
- Prepared documents for underwriting by verifying client income, credit reports, and other information.
SR Assistant Loan Officer
Security Finance
09.2012 - 02.2018
- Maintained strict confidentiality of sensitive information while managing complex filing systems for both physical documents and digital records.
- Provided exceptional support to executive leadership by managing schedules, coordinating travel arrangements, and preparing materials for meetings and presentations.
- Acquired product and service knowledge to provide solutions to customers.
- Responded to customer concerns, working with manager to significantly raise customer satisfaction ratings.
- Implemented improved data analysis techniques, leading to better informed decision-making processes within the organization.
- Enhanced team productivity by streamlining communication processes and implementing efficient project management software.
- Handled cash transactions accurately while maintaining accountability for daily revenue collections per company guidelines.
- Negotiated payment arrangements with borrowers, resulting in increased collections and reduced loss exposure.
- Increased successful debt collections by developing and implementing effective strategies for contacting customers.
- Developed persuasive communication skills, resulting in effective engagement with diverse clientele during collections efforts.
Skills
- Leadership
- Communication skills
- Attention to detail
- Problem solving
- Teamwork
- Sales proficiency
- Banking regulations
- Branch operations
- Currency Exchanges
- Teller Support
- Cash Management
- Customer Service
- Analytical Thinking
- Teller experience
- Due diligence
- Professional Demeanor
- Educating clients
- Consumer Banking
- Risk management policies
- Financial Institution Regulations
- Opening and closing procedures
- Reviewing documents
- Commercial Banking
- Dual Control Vaults
- Developing customer relationships
- Relationship Building
- Customer Service-Oriented
- Bank Sales
- Operations understanding
- Money transfers
- Audit Support
- Check Cashing and Withdrawals
- Customer Relationship Management
- Know Your Customer
- Cross-Selling and Partner Referrals
- Prospect Calling
- Creative Thinking
- Security Protocols
- Analyzing data
- Closing procedures
- Audit Procedures
Personal Information
Date of Birth: 07/26/84
References
- Cameron Allen, Camallen76@gmail.com, 405-210-0355, BMO Harris Bank
- Victoria Wheelock, Victoria.wheelock@bmo.com, 405-885-3655, BMO Harris Bank
Hobbies and Interests
- I enjoy Being a mom to my 2 boys ages 5 and 6
- Going to movie theaters
- Car shows
- Races
- Outdoor activities
- Leading a group of women in recovery who are single parents struggling with addiction.
Jobtitle
Universal Banker, Sr. Asst Loan officer, Customer service Rep, collections specialist, Branch Manager and Associate Banker. I would eventually like to become a Branch manager.
Timeline
Associate Banker
BMO Harris Bank
09.2022 - Current
Branch Manager
Lend Nation
02.2019 - 06.2022
SR Assistant Loan Officer
Security Finance
09.2012 - 02.2018
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