Merceadi Holmes
Greenville,SC
Summary
High performing advisor, with years of experience in Organization, Sales, and Finance consulting and Team building. I am eager to apply my skills and performance to the Lead Relationship Banker position at Truliant Federal Credit Union. I am confident that I am the candidate best prepared for this position.
Overview
7
7
years of professional experience
Work History
RELATIONSHIP BANKER
TRULIANT FEDERAL CREDIT UNION
01.2023 - Current
- Balances and audit ATM, Vault, Cash Dispensing Machine, ensure the daily process and management of Night Depository.
- Keep the Branch below maximum cash limits and ensures maximum cash drawer limits are not exceeded.
- Perform all teller transactions, including balancing and auditing various areas.
- Built relationships with customers by learning about financial needs, understanding life events and goals and following up through proactive outreach and appointments.
- Lead team huddles including updated numbers and going over best practices in order to succeed as a team.
- Schedule operations to assure that sufficient staff coverage is available during service hours.
- Achieved excellent customer satisfaction ratings by addressing concerns promptly and professionally, demonstrating empathy throughout interactions.
- Maintained up-to-date knowledge of banking products and industry trends to provide expert advice to clients effectively.
- Expanded client base through effective networking and referral generation, leading to increased business opportunities.
MORTGAGE LOAN OFFICER
JP MORGAN CHASE
03.2021 - 01.2023
- Submit Branch Referrals to local and national organizations.
- Educated customers on loan options and requirements, helping them navigate complex application processes with ease.
- Conducted comprehensive financial analyses to determine borrower eligibility, accurately assessing creditworthiness.
- Maintained high level of customer satisfaction by providing prompt and accurate loan status updates.
- Communicated with clients, processing teams and other third parties to achieve prompt loan closings.
- Developed extensive network of referral partners to source new mortgage loan opportunities.
- Increased loan approval rates by efficiently managing pipeline and maintaining strong relationships with borrowers, realtors, and underwriters.
- Managed risk effectively by adhering closely to compliance guidelines during all stages of the loan origination process.
- Negotiated favorable terms on behalf of clients, ensuring their long-term financial success with their mortgage loans.
LOSS MITIGATIONS TEAM LEAD
SHELLPOINT MORTGAGE SERVICING
08.2019 - 03.2021
- Developed training materials for new hires to enhance understanding of loan modification options and relevant procedures.
- Negotiated short sales, deeds-in-lieu, forbearance agreements, and repayment plans to minimize losses while helping borrowers avoid foreclosure.
- Collaborated with cross-functional teams to develop comprehensive plans addressing borrower needs while minimizing losses.
- Enhanced customer satisfaction by providing empathetic support and tailored solutions for their financial hardships.
- Managed a high-performing loss mitigation team, ensuring adherence to company policies and federal regulations.
- Maintained detailed records of borrower interactions, ensuring seamless experience across all touchpoints within the organization.
LEAD LICENSED INSURANCE AGENT
ALLSTATE/ESURANCE
01.2017 - 08.2019
- Conducted side by sides to improve the teams individual sales techniques.
- Review calls for quality control.
- Identify various opportunities for cross sale and increase of business.
- Trained new hires on all business and company guidelines.
- Understand and execute all State and National requirements.
- Collaborated with underwriters to tailor policies that met clients'' specific needs and requirements.
- Achieved top sales performance by consistently meeting and exceeding monthly quotas through effective territory management.
Education
ASSOICATES IN MARKETING
GREENVILLE TECHNICAL COLLEGE
GREENVILLE, SC01.2025
Skills
- Creative Thinking
- Cross-Selling Products
- Loan Origination
- Multitasking Abilities
- Relationship building and management
- Customer Service-Oriented
- Sales expertise
- Cash Handling
- Teamwork and Collaboration
- Decision-Making
- Active Listening
- Team building
Awards
- MORTGAGE CHAMPION, 2023, TRUILIANT FCU
- PRESIDENTAL CLUB, 2018 & 2019, ALLSTATE
- TOP PERFORMER, 2013 & 2015, CHARTER
- HIGEST CALL VOLUME, 2011 & 2012, VERIZON WIRELESS
Timeline
RELATIONSHIP BANKER
TRULIANT FEDERAL CREDIT UNION
01.2023 - Current
MORTGAGE LOAN OFFICER
JP MORGAN CHASE
03.2021 - 01.2023
LOSS MITIGATIONS TEAM LEAD
SHELLPOINT MORTGAGE SERVICING
08.2019 - 03.2021
LEAD LICENSED INSURANCE AGENT
ALLSTATE/ESURANCE
01.2017 - 08.2019
ASSOICATES IN MARKETING
GREENVILLE TECHNICAL COLLEGE