Margaret Plant
Cumberland,RI
Summary
Adept at enhancing customer satisfaction and retention, I excelled at JPMorgan Chase by promoting digital banking solutions and streamlining processes, achieving significant adoption rates. Skilled in financial planning and client relationship building, I consistently delivered tailored financial advice and solutions, fostering trust and long-term partnerships. My approach led to a noticeable increase in cross-selling opportunities and compliance with regulatory standards. Top-notch Relationship Banker with solid background in banking and finance. Effective at building positive relationships with clients, achieving sales goals and providing excellent customer service. Strong communication and interpersonal skills committed to making customers understand financial needs, goals and options.
Overview
22
22
years of professional experience
Work History
Licensed Relationship Banker
JPMorgan Chase
09.2023 - Current
- Promoted digital banking services to enhance customer convenience and drive adoption rates.
- Improved customer experience with thorough product knowledge and prompt issue resolution.
- Streamlined account opening processes for new clients, resulting in higher client retention rates.
- Ensured regulatory compliance by accurately completing documentation and adhering to bank policies.
- Provided exceptional service to high net worth clients, building trust and fostering long-term relationships.
- Enhanced customer satisfaction by promptly addressing inquiries and providing tailored financial solutions.
- Strengthened referral partnerships with business lines across the bank to maximize cross-selling potential.
- Maintained up-to-date knowledge of industry trends, enabling informed recommendations to clients on market conditions and opportunities.
- Maximized cross-selling opportunities by proactively identifying customers'' unmet financial needs.
- Participated in community events to promote bank services while fostering positive relationships with local businesses and organizations.
- Educated customers on various lending options available, empowering them to make informed decisions about their finances.
- Conducted regular financial reviews for customers, ensuring optimal management of their portfolios.
- Developed strong client relationships through consistent follow-ups and personalized banking advice.
- Facilitated successful loan application processes by guiding clients through document preparation and submission procedures.
- Managed risk effectively by verifying customer information, analyzing credit reports, and conducting proper due diligence before approving transactions.
Grant Underwriter
Rhode Island Housing
08.2022 - 02.2023
- Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
- Documented underwriting decisions and provided evidence of compliance with applicable regulations.
- Provided excellent customer service by addressing inquiries promptly and offering comprehensive explanations of underwriting decisions.
- Made approval and denial recommendations by determining accurate risk levels.
Senior Mortgage Underwriter
Embrace Home Loans
02.2014 - 07.2022
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
- Verified integrity of applicants' information to minimize fraud.
- Worked with processing team members to communicate errors and obtain missing information for current applications.
- Maintained mortgage program compliance with federal agencies such as VA, HUD, and FNMA.
Underwriter
BNY Mellon
10.2012 - 12.2013
- Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
- Documented underwriting decisions and provided evidence of compliance with applicable regulations.
- Provided excellent customer service by addressing inquiries promptly and offering comprehensive explanations of underwriting decisions.
- Made approval and denial recommendations by determining accurate risk levels.
Mortgage Underwriter
Admirals Bank
01.2003 - 07.2013
- Approved or denied loans based on established criteria and underwriting guidelines.
- Identified possible fraud risks through meticulous evaluation of application materials, protecting both lenders and homebuyers from potential losses.
- Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
Education
Associate of Arts -
George Mason University
Fairfax, VASkills
- Retirement planning
- Financial Planning
- Wealth Management
- Client Relationship Building
Timeline
Licensed Relationship Banker
JPMorgan Chase
09.2023 - Current
Grant Underwriter
Rhode Island Housing
08.2022 - 02.2023
Senior Mortgage Underwriter
Embrace Home Loans
02.2014 - 07.2022
Underwriter
BNY Mellon
10.2012 - 12.2013
Mortgage Underwriter
Admirals Bank
01.2003 - 07.2013
Associate of Arts -
George Mason University
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