Kyra Cox
Gloverville,US
Summary
Sales-driven, goal-oriented, and compliant professional dedicated to driving operational success and provide customers with memorable experiences as well as new company records. Over 8 years of experience managing operations for large, reputable, multimillion dollar branches, sales, internal auditing, and underwriting. Positive, adaptable leader passionate about building lasting relationships and making a difference in the lives of others.
Overview
9
9
years of professional experience
Work History
Account Executive II & Manager
BHG Financial
06.2022 - Current
- Qualified leads, built relationships and executed sales strategies to drive new business.
- Exceeded sales targets consistently by identifying new business opportunities and creating customized solutions for clients.
- Maintained up-to-date knowledge on product offerings, ensuring accurate representation during sales pitches or negotiations with clients.
- Executed successful sales strategies to convert leads into customers.
- Developed a solid pipeline of prospects through diligent research and targeted outreach efforts.
- Maintained current knowledge of evolving changes in marketplace.
- Worked with sales team to collaboratively reach targets, consistently meeting or exceeding personal quotas.
- Assisted clients in selecting appropriate loan products for their needs, resulting in higher customer satisfaction.
- Meticulously reviewed applicant documentation, ensuring accuracy and completeness prior to submission for underwriting approval.
- Collaborated with other departments to promptly process loan applications.
- Played an instrumental role in driving customer satisfaction scores upward by effectively addressing inquiries and complaints related to credit card accounts.
- Cultivated strong rapport with clients through attentive listening, empathetic understanding of their concerns, and prompt resolution of any disputes or issues.
- Maintained up-to-date knowledge on industry regulations, policies, and procedures, ensuring compliance in all credit card operations.
Military Lending Specialist
Wells Fargo
06.2021 - 06.2022
- Explained very technical financial information to applicants in easy to understand language
- Assisted clients with improving financial health by counseling on issues such as excessive spending and borrowing
- Proactively identified solutions for customers experiencing credit issues
- Exceeded goals through effective task prioritization and great work ethic
- Prepared variety of different written communications reports and documents
- Improved operations through consistent hard work and dedication
- Resolved problems improved operations and provided exceptional service
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans
- Review reports of securities transactions or price lists to analyze market conditions
- Explain loan information to clients, such as available loan types, eligibility requirements, or loan restrictions
- Analyze applicants' financial status, credit, and property evaluations to determine feasibility of granting loans
- Review and update credit and loan files
- Explain services or policies to clients, such as debt management program rules, the advantages and disadvantages of using services, or creditor concession policies
- Assess clients' overall financial situation by reviewing income, assets, debts, expenses, credit reports, or other financial information.
Finance Manager/Credit Underwriter/Claims
Onemain Financial
03.2020 - 06.2021
- Increased Profit from 11% to 14% in one year through underwriting and staff in 30- million-dollar branch not including the district and 2 other states
- Obtain and compile copies of loan applicants' credit histories, corporate financial statements, and other financial information
- Calculate clients' available monthly income to meet debt obligations
- Prioritize client debt repayment to avoid dire consequences, such as bankruptcy or foreclosure or to reduce overall costs, such as by paying high-interest or short-term loans first
- Evaluate employees' job performance and conformance to regulations and recommend appropriate personnel action
- Plan and direct staffing, training, and performance evaluations to develop and control sales and service programs
- Processed our optional products claims resulting in on-time payments on accounts Identified partnership opportunities and established favorable business connections
- Analyzed financial statements against forecasts to prepare high-level variance analysis
- Managed regular finance tracking for numerous branch offices and headquarters expenses
- Drove profit increases through market research and strategic asset management to meet dynamic industry conditions
- Trained new and existing staff members in various financial procedures to prepare for job requirements
- Supported operations management sales and marketing efforts to increase revenue and overall financial health
- Forecasted trends and recommended improvements based on financial risk analyses
- Processed invoices and contacted appropriate parties for timely payment receipt.
Branch Manager/Claims Specialist/Auditor
Onemain Financial
11.2017 - 03.2020
- Forecasted trends and recommended improvements based on financial risk analyses
- Boosted sales and customer loyalty through incentive programs
- Examined customer loan applications for loan approvals and denials
- Assessed employee performance and developed improvement plans
- Met deadlines by proactively managing individual and team tasks and streamlining processes
- Resolved various issues impacting sales management and business operations
- Complied with regulatory guidelines and requirements
- Enhanced branch production rates by handling staff conflicts
- Hiring and termination processes and coaching employees on company protocol and payroll operations
- Managed 14 million in receivables
- Completed filings and upheld strict compliance with regulatory agencies and supervisors
- Reviewed and edited loan agreements to enhance clarity and monitor compliance with requirements
- Compiled database of loan applicants' credit histories financial statements and other financial information
- Created strategies to develop and expand existing customer sales resulting in increase in annual sales
- Conducted internal auditing for branches in 3 states on a monthly, semiannual, and or annual basis.
District Loan Specialist/Credit Analysis Underwriter
Onemain Financial
10.2015 - 11.2017
- Underwriting Consumer Unsecured, Secured & Auto Loans throughout different geographical areas and 2 other states
- Internal Auditing Across the District Semi-Annually Complied with regulatory requirements of Bank Secrecy Act, Anti Money Laundering, OFAC, USA Patriot Act, Privacy Act and Community Reinvestment Act
- Explained very technical financial information to applicants in easy-to-understand language
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans
- Examined customer loan applications for loan approvals and denials
- Originated, reviewed, processed, closed, and administered customer loan proposals
- Identified problem areas within loan portfolio analyzed risks and suggested appropriate solutions
- Proactively identified solutions for customers experiencing credit issues & Managed entire district in lending of 90 million in receivable.
Education
High School Diploma -
East Jackson Comprehensive High School
Commerce, GA05.2010
Skills
- I2C
- Corserv
- LOS
- Adapting
- Workday
- Positive Attitude
- Account Management
- Pipeline Management
- Documentation Review
- Stress Tolerance
- Patience and Persistence
- Underwriting guidelines
Accomplishments
- Received Ruby Level award in April 2016
- Received Emerald Level award in October 2016
- Received the Excellence Award as a Branch for exemplary
- Received Ruby Level award as a branch in April 2019
- Repeatedly commended by superiors for excellence performance in February 2020
Timeline
Account Executive II & Manager
BHG Financial
06.2022 - Current
Military Lending Specialist
Wells Fargo
06.2021 - 06.2022
Finance Manager/Credit Underwriter/Claims
Onemain Financial
03.2020 - 06.2021
Branch Manager/Claims Specialist/Auditor
Onemain Financial
11.2017 - 03.2020
District Loan Specialist/Credit Analysis Underwriter
Onemain Financial
10.2015 - 11.2017
High School Diploma -
East Jackson Comprehensive High School