MICHELLE GRAGG
Fayetteville,GA
Summary
Experienced with managing commercial accounts and developing client relationships. Utilizes negotiation and strategic planning to address client needs effectively. Track record of delivering tailored solutions and fostering team collaboration.
Overview
15
15
years of professional experience
1
1
Certification
Work History
Commercial Account Manager
ServisFirst Bank
10.2023 - Current
- Develop and maintain strong relationships with commercial clients to enhance customer satisfaction and retention.
- Analyze client financial needs to recommend tailored banking solutions, driving revenue growth for the bank.
- Collaborate with internal teams to streamline account management processes, improving operational efficiency across departments.
- Lead cross-functional initiatives to identify market trends, enhancing service offerings and competitive positioning.
- Build relationships with customers and community to establish long-term business growth.
- Achieve sales goals and service targets by cultivating and securing new customer relationships.
- Collaborate with upper management to implement continuous improvements and exceed team goals.
- Resolve problems with high-profile customers to maintain relationships and increase return customer base.
Junior Mortgage Lender
CMG Mortgage
04.2022 - 12.2022
- Consult with potential loan applicants - answer questions and provide additional information about home loan products to create personal relationships
- Gather financial information to assist with loan applications, prepare loan files, and assess applicants' financial situation and eligibility
- Communicate with the senior mortgage loan officer/ MLO to make a recommendation of which mortgage loan products are best suited depending on applicant's financial status
- Monitor sales pipeline, meet sales expectations, get referrals, and generate new business opportunities
Mortgage Loan Officer
Guaranty Mortgage Services LLC
08.2021 - 02.2022
- Explain to customers the different types of loans and credit options that are available, as well as the terms of those services.
- Confer with underwriters to aid in resolving mortgage application problems.
- Interview loan applicants in order to obtain personal and financial data, and to assist in completing applications.
Branch Banker III
Branch Banking & Trust Company
03.2015 - 08.2021
- Initiate, maintain and deepen profitable client relationships
- Consistently deliver excellent service with every client
- Support branch sales goals with a team focus
- Outbound sales experience through the BB&T @work presentations
Senior Vault Teller
Banking & Trust Company
02.2014 - 03.2015
- Handled vault duties such as balancing on a daily basis
- Maintain appropriate cash limits according to policy
- Ordering cash according to set policies.
Teller
Branch Banking & Trust Company
09.2011 - 02.2015
- Innovative and detail-oriented Branch Banker and Loan Officer successful at improving operations, impacting business growth and enhancing profits
- Strong customer relations
- High level of accuracy
- Team Player
- Strong sense of banking ethics
- Approachable
- Friendly
- Versatile
- Energetic
- Authorized to work in the US for any employer, Provided the Perfect Client Experience every time through performing accurate transactions, always greeting the customer with a smile, using the clients name during the transaction and thanking each client for his or her business
- Prepared individual daily balance of tellers cash transactions as well as other reports as needed
- Handled proportionate volume of work based on branch demands.
Education
High School Diploma -
Lovejoy High School
Hampton, GA06-1995
Skills
- Loan Origination
- Cold Calling
- Outbound Sales
- Financial Services
- Sales Support
- Upselling
- Business Development
- Loan Officer Experience
- Balance
- Banking
- Credit
- Customer relations
- Clients
- Detail-oriented
- Financial
- Focus
- Policies
- Presentations
- Sales
- Sales experience
- Team Player
- Client relationship building
Certification
Nationwide Mortgage License and Registry # 1311010
ADDITIONAL INFORMATION
AWARDS , Annual Olympian Award December 2013 Annual Olympian Award December 2014 Quarterly Olympian Award June 2012 Quarterly Olympian Award September 2012
Timeline
Commercial Account Manager
ServisFirst Bank
10.2023 - Current
Junior Mortgage Lender
CMG Mortgage
04.2022 - 12.2022
Mortgage Loan Officer
Guaranty Mortgage Services LLC
08.2021 - 02.2022
Branch Banker III
Branch Banking & Trust Company
03.2015 - 08.2021
Senior Vault Teller
Banking & Trust Company
02.2014 - 03.2015
Teller
Branch Banking & Trust Company
09.2011 - 02.2015
High School Diploma -
Lovejoy High School