MICHELLE D. PIPPEN
Birmingham,AL
Summary
Enterprising Banking Professional successful in leading every facet of new and ongoing business operations. Strategic thinker and tactical decision-maker with passion for serving customers and exceeding expectations. Creative problem solver skilled at de-escalating situations and driving positive change.
Overview
21
21
years of professional experience
1
1
Certification
Work History
BRANCH MANAGER
PNC BANK
07.2019 - Current
- Consistent top performing branch for daily activities including outbound calls and client appointments and financial wellness conversations
- Uncovered and resolved strategic and tactical issues impacting sales management and business operations.
- Identified and capitalized on community business opportunities with effective networking.
- Produced reports outlining financial data to assist management with making strategic plans and operational decisions.
- Boosted branch sales by developing and deepening customer loyalty through incentive programs.
- Exceeded 100% of home equity lending goal through training, coaching, and role-playing how to have effective financial wellness conversations with staff
- Responsible for maintaining branch records within guidelines of bank and Federal regulation and successfully passing all audits performed on branch
BRANCH MANAGER
REGIONS FINANCIAL
05.2015 - 06.2019
- Recruited, interviewed, hired and trained employees and implemented mentoring program to promote positive feedback and engagement.
- Spearheaded cross-functional initiatives across departments to achieve business goals for bottom-line profits.
- Performed banking, business administration and financial tasks to guarantee five-star service for clients.
- Supported Regional Manager with special projects and additional job duties.
- Sold over $500,000 in annuities within first 5 months of receiving a license
- Consistently produced $200,000 + monthly in personal loan production
- Acknowledged as the number one producer in credit cards for North Central Alabama Market within 60 days of starting in role with Regions Bank
- Coached tellers on how to successfully use Financial Assessment to engage in client conversations that resulted in 100% of teller staff exceeding referral goal
PRESIDENT
MIRACLE AUTOMOTIVE
12.2010 - 01.2012
- Developed advertising campaign generating 20% lift in sales revenue within 60 day timeframe
- Slashed operating expenses by 25% by negotiating pricing and fees, while ensuring the continuation and enhancement of services
- Implemented Service program to ensure sales associates exhibited level of excellence in client service at all times
- Closed sales by overcoming objections, asking for sales, negotiating price, and completing purchase contracts,
- Opened and closed location and monitored shift changes to uphold successful operations strategies and maximize business success
- Established team priorities, maintained schedules and monitored performance
- Met with sales personnel daily to review previous day's results and current plan of action
- Forecasted monthly with salespeople to establish closing percentages in each category, time utilization, prospecting efforts, unit sales and projected income
- Reviewed monthly commission sheets, productivity reports, monthly forecasts and profit performance
- Effectively allocated tasks during high-traffic times to keep operations running smoothly and employees focused
- Mentored new sales associates to contribute to store's positive culture
- Educated staff on strategies for handling difficult customers and challenging situations
- Liaised with sales, marketing, and management teams to develop solutions and accomplish shared objectives
STORE MANAGER
WELLS FARGO BANK
03.2002 - 12.2010
- Successfully orchestrated and initiated 2 day district wide sales blitz resulting in additional $2 million added to loan pipeline
- Created structured process to produce over $14 mil in total loan production on annual basis
- Remained highly aware of banking trends within market and partnered with district manager to formulate and implement proactive strategies to leverage bank brand
- Called on small businesses within target market increasing acquisition to branch portfolio to 150% of small business loan goal and 125% of small business deposit goal in the course of one year
- Managed the relationship of retail and small business clients offering appropriate personal and business banking solutions achieving 100% in High Value Client retention in 12 month time span
- Oversaw portfolio of approximately 160 borrowing and non-borrowing commercial clients from an array of business industries including but not limited to attorneys, CPA firms, engineers and non-profits
- Applied performance data to evaluate and improve operations, target current business conditions and forecast needs.
- Maintained confidentiality of bank records and client information to prevent mishandling of data and potential breaches.
- Assessed employee performance and developed improvement plans.
- Identified and capitalized on community business opportunities with effective networking.
- Interviewed and hired talented individuals with top-level strengths, improving organizational talent and skill set.
- Maintained scheduling for main branch to keep shifts appropriately staffed.
- Protected company assets with strategic risk management approaches.
- Met deadlines by proactively managing individual and team tasks and streamlining processes.
- Engaged employees in business processes with positive motivational techniques.
- Enhanced branch production rates by handling staff conflicts, evaluations, hiring and termination processes as well as coaching employees on company protocol and payroll operations.
- Complied with Bank Secrecy Act, Anti Money Laundering, OFAC, USA Patriot Act, Privacy Act and Community Reinvestment Act.
Education
M. B. A -
B.S - MARKETING
Skills
- Microsoft Office
- Microsoft Windows
- Microsoft Excel
- Advertising Techniques
- Financial Statements
- Customer Service
- Federal Regulations
- Goals and Performance
- Sales Strategies
- Excellent Team Leadership
- Operations Management
Accomplishments
- Nominated in 2nd Qtr 2022 by colleagues for PNC I-LEAD by Example recognition for
- Including Intentionally, Living the Values, Enabling Change, Achieving Results and
- Developing the Best
- Received Award and Recognition as Number 1 Branch In North Central Alabama Regions at
- Work Accounts and Production
- Received Award and Recognition as Number 1 Branch In North Central Alabama
- Refer-A-Friend Program (Regions Bank)
- Winner of Wells Fargo Distinguished Branch Manager Sales and Service Award
- Facilitated Regional Diversity Awareness Initiative for all District employees
- Assisted District Manager in leading Market initiatives for increasing loan and deposit results
- Appointed as mentor by Regional Management to help coach and guide new branch managers in the area of small business development
Certification
- Licensed Health and Life Insurance Producer- State of Alabama
Timeline
BRANCH MANAGER - PNC BANK
07.2019 - Current
BRANCH MANAGER - REGIONS FINANCIAL
05.2015 - 06.2019
PRESIDENT - MIRACLE AUTOMOTIVE
12.2010 - 01.2012
STORE MANAGER - WELLS FARGO BANK
03.2002 - 12.2010
TROY STATE UNIVERSITY - M. B. A,
TUSKEGEE UNIVERSITY - B.S, MARKETING