MARY HILL
Rush Springs,OK
Overview
30
30
years of professional experience
Work History
Owner/Editor
Rush Springs Gazette
Rush Springs, OK
09.2017 - Current
- Conducted interviews with public figures for feature stories or profiles.
- Uploaded digital images for editing, archiving and electronic transmission.
- Oversaw layout design process including placement of photos, headlines, captions.
- Prepared files for web upload and built, formatted, updated and printed proposals, forms, letters, memorandums and spreadsheets to complete project orders.
- Typed text and selected size and style of type, column width, and appropriate spacing for printed materials.
- Coordinated production schedules with printers and distributors.
- Oversaw circulation through print, email and social media distribution.
Bank Manager
First National Bank & Trust Co.
Rush Springs, OK
03.2014 - 03.2017
- Monitored loan portfolio performance, risk management activities, and compliance with regulatory requirements.
- Ensured compliance with banking laws and regulations through periodic review of internal policies.
- Participated in community events related to banking services provided by the bank.
- Created and updated financial reports on frequent basis to present information to leadership teams.
- Created sales action plans to consistently meet employee retention, profit, customer experience and lending goals.
- Reviewed customer complaints and took appropriate action as needed.
- Analyzed financial data to identify trends and opportunities for improvement.
- Maintained regular performance appraisals for subordinates through verbal, written and on-going review programs.
- Developed and implemented sales and marketing strategies to align with annual sales initiatives.
- Coordinated approval or rejection of lines of credit or commercial, real estate or personal loans.
- Delivered associate performance evaluations to determine merit increases and bonus amounts.
- Maintained strict confidentiality of customer information at all times.
- Provided guidance and training to team members in order to ensure proper procedures were followed consistently.
- Created and maintained a positive work environment within the branch.
- Provided first-rate customer service by identifying and addressing customer concerns and inquiries.
Bank Loan Officer/Bank Manager
Spiritbank
Stillwater, OK
10.2007 - 12.2012
- Answered customer inquiries involving rates, products and loan application status to facilitate quality customer service.
- Met with applicants to obtain information for loan applications and answer questions about processes.
- Assessed customer's repayment capacity based on income, assets, liabilities, and other debt obligations.
- Developed and recommended personal or commercial loan packages for clients.
- Adhered to federal and state compliance guidelines relative to retail mortgage lending.
- Approved or denied loan applications and explained reasoning behind decisions.
- Analyzed applicants' financial status and credit and property evaluation to determine feasibility of granting loan.
- Analyzed financial statements and tax returns to evaluate customer's credit worthiness.
- Approved loan within specified limits or referred to appropriate approval level.
- Reviewed credit histories from applicants and determined feasibility of granting requested loans.
- Collected past due loans, keeping credit and collateral exceptions within policy ranges.
- Explained loan products to customers in order to help them make informed decisions.
- Recommended loan approvals and denials based on customer loan application reviews.
- Met with applicants to obtain information for loan applications and answer questions about process.
- Managed pipeline for originated loans through closing and complete required management reports.
Loan Officer
Citizens State Bank & Trust Co
Morrison, OK
05.2005 - 10.2007
- Verified accuracy of loan documents prior to approval.
- Responded promptly to customer inquiries regarding their accounts or other matters related to consumer lending operations.
- Provided customer service support throughout the entire process from application through closing.
- Collaborated with company teams to expedite loan approval processes.
- Collected past due loans, keeping credit and collateral exceptions within policy ranges.
- Analyzed applicant financial and credit status, evaluating assets and risk to determine loan feasibility.
- Developed and maintained knowledge of available loan products, processing procedures and underwriting and general departmental guidelines.
- Met with applicants to obtain information for loan applications and answer questions about processes.
- Executed loan origination process and ordered credit reports, appraisals and preliminary title reports.
Bank Manager/Training Officer
First State Bank And Trust
Stratford, OK
01.1994 - 05.2005
- Analyzed actual financial results to budget, preparing variance reporting to functional groups.
- Developed marketing plans for new products and services offered by the bank.
- Conducted reviews and evaluations for cost-reduction opportunities.
- Conducted regular meetings with staff members to discuss progress towards goals.
- Identified areas of operational weakness or potential fraud risks in the bank's systems.
- Created and maintained a positive work environment within the branch.
- Developed and implemented strategies to increase customer satisfaction ratings.
- Coordinated approval or rejection of lines of credit or commercial, real estate or personal loans.
- Provided guidance and training to team members in order to ensure proper procedures were followed consistently.
- Reviewed customer complaints and took appropriate action as needed.
- Resolved customer inquiries quickly and efficiently while maintaining excellent service standards.
- Ensured compliance with banking laws and regulations through periodic review of internal policies.
- Maintained strict confidentiality of customer information at all times.
- Monitored loan portfolio performance, risk management activities, and compliance with regulatory requirements.
- Developed and implemented sales and marketing strategies to align with annual sales initiatives.
- Created sales action plans to consistently meet employee retention, profit, customer experience and lending goals.
- Conducted quarterly performance reviews for branch employees.
- Participated in community events related to banking services provided by the bank.
- Provided first-rate customer service by identifying and addressing customer concerns and inquiries.
- Checked payroll, vendor payments and other accounting disbursements for accuracy and compliance.
- Approached customers and engaged in conversation through use of effective interpersonal and people skills.
- Maintained open communication with team members and stakeholders, resulting in successful project outcomes.
- Maintained updated knowledge through continuing education and advanced training.
- Evaluated modes of training delivery to optimize training effectiveness, training costs or environmental impacts.
- Determined training needs and developed related classes.
- Explained goals and expectations required of trainees.
Education
Bachelor of Science - Animal Science
Oklahoma State University
Stillwater, OK05-1993
High School Diploma -
Rush Springs High School
Rush Springs, OK05-1988
Skills
- Budget Administration
- Business Management
- Administrative Oversight
- Marketing Tactics
Timeline
Owner/Editor
Rush Springs Gazette
09.2017 - Current
Bank Manager
First National Bank & Trust Co.
03.2014 - 03.2017
Bank Loan Officer/Bank Manager
Spiritbank
10.2007 - 12.2012
Loan Officer
Citizens State Bank & Trust Co
05.2005 - 10.2007
Bank Manager/Training Officer
First State Bank And Trust
01.1994 - 05.2005
Bachelor of Science - Animal Science
Oklahoma State University
High School Diploma -
Rush Springs High School