Mariah Frantz
Fairmont,WV
Summary
Professional with strong background in branch management. Skilled in enhancing operational efficiency, driving growth, and fostering team collaboration. Known for adaptability to changing needs and effective problem-solving. Expertise in strategic planning, customer service, and financial oversight. Reliable leader focused on achieving results and empowering teams.
Overview
25
25
years of professional experience
Work History
Branch Manager
First Guaranty Bank
10.2023 - Current
- Integral role in expansion of new branch location in Bridgeport.
- Complied with regulatory guidelines and requirements.
- Examined customer loan applications for loan approvals and denials.
- Maintained friendly and professional customer interactions.
- Enhanced branch visibility and market presence by orchestrating community engagement initiatives.
- Recommended marketing strategies to increase brand awareness and attracting new customers.
- Increased customer satisfaction with personalized banking solutions, tailoring services to meet individual financial goals.
Business Development Manager
Intercoastal Mortgage
01.2022 - 09.2023
- Cultivate relationships with real estate agency and agents
- Generated new business through direct calling efforts
- Guide potential clients through application of a mortgage
- Assist loan team with introductions to potential clients
- Schedule follow up calls/meetings with clients
- Conduct weekly pipeline meetings with team, reviewing additional items needed
- Attend community events, conferences, and open houses to meet new clients/agents
- Plan events including accommodations, reservations, ordering party supplies and organizing
- Directly contributed to closing $7.4M in mortgage loan volume in 2022
Setup Manager
Intercoastal Mortgage
08.2020 - 01.2022
- Collaborated with upper management team to assist in formation of a new department start up
- Coordinated & proactively managed back-office processes to ensure department productivity
- Reviewed and/or created checklists to ensure services have been ordered for each loan
- Developed and put into place review processes for the new department
- Developed training process via Teams
- Reviewed discrepancies and/or alerts and notified loan team members
- Verified Title/Escrow Company information and ordered title requests
- Made decisions guided by policies and procedures
- Coached, trained, and mentored employees to promote teamwork within and outside the department
Closing Compliance Coordinator
Intercoastal Mortgage DBA MVB Mortgage
01.2018 - 08.2020
- Created and utilized a checklist to ensure all loan documents are reviewed for accuracy
- Review and audit files for accuracy and strict adherence to company policy and procedures
- Review reports to maintain compliance errors are corrected
- Analyze quality control checklist to meet investor guidelines to be marketable to sell to investors
- Verify all documents are signed, dated by borrower(s) and loan officer
- Process wire transfers for loan closings
- Assign closers to loan files
- Scheduling and tracking of closing dates and loan lock expirations
- Detail knowledge of compliance regulations for state specific documentation
- Basic knowledge of HMDA, Regulation B and Regulation Z
- Coach, train, and mentor employees to promote teamwork within and outside the department
Junior Processor
Intercoastal Mortgage DBA MVB Mortgage
02.2017 - 01.2018
- Created & managed Excel spreadsheet to track information has been collected
- Managed pipeline to meet closing dates
- Assisted borrowers in gathering proper documentation for the mortgage process
- Data matches all supporting documents with borrower information
- Verified with third party vendors all borrower information to calculate income/debt and loan ratios to guarantee loan qualifications
- Reviewed file documentation to ensure loan qualifications are met
- Prepared documentation to be reviewed by Underwriters
- Maintained close & clear communication with borrowers, loan officer & title companies
Initial Disclosure Manager
Intercoastal Mortgage DBA MVB Mortgage
09.2016 - 02.2017
- Directed the daily operations to provide superior customer service to internal and external customers
- Prepared reports and memos to team members keeping them informed of changes in policies & procedures
- Resolved invoice discrepancies from compliance companies to help protect customer and mortgage company from being overcharged
- Managed customer complaint calls and loan officers' concerns in a professional manner
- Managed the daily process of ensuring disclosures go out within 3 days of application
- Prepared & conducted team meetings to focus on improving production and overall satisfaction given to our loan officers
Banking Center Manager
WesBanco Bank Inc.
01.2014 - 09.2016
- Managed income and expenses by increasing loan growth, demand deposit growth, keeping inventory low, tracking employees time to reduce overtime, and staying within budget for marketing requests
- Responsible for the interviewing process, orientation and on the job training for new employees
- Performed monthly review of business sales production to ensure branches are meeting all revenue and growth goals
- Reconciled accounts payable and receivables monthly
- Prepared and conducted team meetings to focus on improving customer service skills
- Coordinated outside sales call to present and promote WesBanco products to businesses in the community
- Processed work orders for maintenance, cleaning, and repairs as necessary
- Performed yearly reviews on team members to ensure performance expectations were met
- Performed all the Office Manager responsibilities too
Office Manager
WesBanco Bank Inc.
03.2013 - 01.2014
- Prepared and submitted quarterly auditing reports to be reviewed by Branch Operations Officer to ensure branch stays within government compliance (SOX)
- Maintained bank records to follow retention guidelines to adhere to bank policies and procedures
- Managed weekly schedule for employees to establish daily operation of banking center
- Accountable for achieving yearly loan production, new accounts, and referral goals
- Audited all teller drawers to ensure cash limits were in bank guidelines
- Managed all supply orders, as necessary
Licensed Personal Banker
WesBanco Bank Inc.
08.2010 - 03.2013
- Work with office team members to achieve individual and branch office sales goals
- Refer & open bank products & services (checking, savings, home equity loans/lines & CD's)
- Profile current and potential clients for sales opportunities
- Generate revenue through the sale of Fixed and Index annuities
- Monthly recap with Tellers to review bank products
- Organize and keep track of campaigns
- Able to manage complex customer service & transaction issues
Licensed Personal Banker
Huntington Bank
10.2007 - 08.2010
- Work with office team members to achieve individual and branch office sales goals
- Referred bank products and services
- Managed a variety of service issues
- Profiled current and potential clients for sales opportunities
- Generated revenue through the sale of Fixed or Indexed annuity sales ($1.3m)
Account Relationship Associate
Huntington Bank/Huntington Investment Co
04.2006 - 10.2007
- Reviewed & processed 15-20 personal banker investment sales
- Keep an accurate report of revenue from monthly sales
- Profiled current and potential clients for sales opportunities
- Scheduled and prepared team members appointments
- Routinely called external wholesalers
- (Status updates on transfers and withdraws)
- Provided general office support
Licensed Personal Banker
Huntington Bank
09.2002 - 04.2006
- Work with office team members to achieve individual and branch office sales goals
- Referred bank products and services
- Oversaw a variety of service issues
- Profiled current and potential clients for sales opportunities through outbound calling
- Offered Fixed and Index annuities based on customers' need
Customer Service Representative Sr.
Huntington Bank
07.1999 - 09.2002
- Processed customer deposits, cash checks, issued federal savings bonds, money orders, official checks, and general clerical duties
- Referred bank products and services to specialized areas of the Bank
- Accurately balanced a cash drawer and a vault daily
Education
High School Diploma -
Liberty High School
Clarksburg, WVSkills
- Customer Service
- Customer Relationships
- Excellent time management skills
- Attention to Detail
- Excellent work ethic
- Coaching and Mentoring
- Team Supervision
- Training and Development
- Process Improvement
- People-oriented
- Community Relations
- Proficient in MS Office
Timeline
Branch Manager
First Guaranty Bank
10.2023 - Current
Business Development Manager
Intercoastal Mortgage
01.2022 - 09.2023
Setup Manager
Intercoastal Mortgage
08.2020 - 01.2022
Closing Compliance Coordinator
Intercoastal Mortgage DBA MVB Mortgage
01.2018 - 08.2020
Junior Processor
Intercoastal Mortgage DBA MVB Mortgage
02.2017 - 01.2018
Initial Disclosure Manager
Intercoastal Mortgage DBA MVB Mortgage
09.2016 - 02.2017
Banking Center Manager
WesBanco Bank Inc.
01.2014 - 09.2016
Office Manager
WesBanco Bank Inc.
03.2013 - 01.2014
Licensed Personal Banker
WesBanco Bank Inc.
08.2010 - 03.2013
Licensed Personal Banker
Huntington Bank
10.2007 - 08.2010
Account Relationship Associate
Huntington Bank/Huntington Investment Co
04.2006 - 10.2007
Licensed Personal Banker
Huntington Bank
09.2002 - 04.2006
Customer Service Representative Sr.
Huntington Bank
07.1999 - 09.2002
High School Diploma -
Liberty High School
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