LaMia Ramsey

• Lead daily review of small business loan applications, ensuring strict adherence to the Small Business Credit Policy and Standards.
• Utilize nCino Lightning, a Salesforce-based system, to enter and update loan data, facilitating smooth application processing and ensuring compliance with all internal and regulatory requirements.
• Perform in-depth corporate tax reviews and collaborate with Relationship Managers to assess and underwrite a variety of borrower financing options, including Commercial Real Estate Mortgages, Lines of Credit, and Term Loans.
• Act as the point of contact for resolving discrepancies or issues within loan applications, coordinating with internal teams to request necessary corrections and ensure continued compliance.
• Support continuous process improvement by actively contributing to the Work Process Improvement Business Resource Group, identifying areas for operational enhancement and recommending solutions to optimize the efficiency and effectiveness of Commercial Banking processes.
• Collaborate with cross-functional teams, including Risk and Compliance departments, to ensure that lending activities align with company policies and regulatory requirements.
• Thrives in a high-volume, production-based environment, consistently meeting targets for loan review completion, data accuracy, and compliance while maintaining a focus on quality and attention to detail.
• Used strong analytical and problem-solving skills to develop effective solutions for challenging situations.
• Skilled at working independently and collaboratively in a team environment.

• Provided high-level customer service in a fast-paced, high-volume environment, performing monetary transaction processing and offering Platform banking support to clients.
  
  Originated loan applications for prospective customers, performing detailed interviews and collecting necessary financial information to ensure accurate and compliant loan processing.
  
  Worked closely with loan processors and underwriters to facilitate loan closing and ensure all documentation was accurate and complete.
  
  Conducted in-depth reviews of client financials using Salesforce CRM, uncovering client needs and offering personalized financial solutions to help achieve their goals.
  
  Played an active role in enhancing team productivity by participating in the recruitment process, reviewing resumes, and assisting in panel interviews for potential new hires.
  
  Coordinated and delivered financial literacy classes to both teens and adults within the community, helping to promote financial education and empowerment.
  
  Actively engaged in fraud prevention measures by reviewing and validating transactions, including account openings and outbound wire transfers, to protect the bank and its clients from fraudulent activity.
• Provided financial reports and interpreted financial information to managerial staff while recommending further courses of action.

• Delivered exceptional service to clients with a focus on building rapport and fostering long-term relationships through personalized banking solutions.
  
  Coordinated appointments and meetings for various teams, including Wealth Management, Small Business, and Home Lending, ensuring seamless client engagement and support.
  
  Performed thorough account reviews for both personal and business clients, identifying opportunities to cross-sell products and services that aligned with their financial goals.
  
  Assisted in mortgage processes, home equity loans, and small business lending, ensuring compliance with all relevant regulatory standards and guidelines.
  
  Maintained proficiency in Microsoft Excel, Word, and Outlook to manage client data, track account activities, and facilitate efficient communication within the team.
  
  Led and mentored less experienced team members, providing guidance on banking procedures, customer service skills, and sales techniques to enhance overall team performance.
  
  Performed SC Notary services, assisting customers with document signing and verification processes.
  
• Responded to customer requests for products, services, and company information.

Provided exceptional customer service by handling high volumes of inbound calls, ensuring that customers' inquiries and requests were promptly addressed.

Validated customer identification, updated account information, and processed various transactions, ensuring the accuracy and completeness of all data entered.

Gained comprehensive knowledge of banking products and services, leveraging this knowledge to provide tailored financial solutions to meet customers’ evolving needs.

Assisted in facilitating team meetings and training sessions to educate peers on new policies and procedures, fostering a well-informed and knowledgeable team environment.

Ensured that customer interactions adhered to company policies and expectations, maintaining high levels of customer satisfaction and loyalty.