Michelle Smith
Salt Lake City,UT
Summary
Business professional committed to delivering impactful organizational development. Experience in driving strategic initiatives and optimizing business processes. Collaborative team player with strong focus on achieving objectives and adapting to dynamic business environments. Adept in strategic planning, problem-solving, and fostering positive client relationships.
Overview
7
7
years of professional experience
Work History
COMMERCIAL PORTFOLIO MANAGER
Brighton Bank
12.2023 - Current
- Implements organizational change with self-directed projects: Writes monthly bank wide leadership and growth newsletter; introduced restructure of company core values and mission statement
- Manages a diverse commercial lending portfolio, providing valuable insights to senior management and informing future lending strategy.
- Negotiates favorable terms for both the bank and borrowers during loan restructuring discussions, preserving long-term client relationships while minimizing loss exposure.
- Leverages market research insights to inform prudent credit approval recommendations and strategic planning decisions.
CREDIT ANALYST
Brighton Bank
01.2022 - 12.2023
- Conducted financial review of customer lines of credit by assessing company financials and initiating credit application reviews.
- Enhanced credit risk assessment by conducting thorough financial statement analysis and cash flow projections.
- Attended credit-related training and conferences to stay informed about industry trends and developments.
PERSONAL BANKER / TELLER
Zions Bank
01.2020 - 01.2022
- Utilized strong interpersonal communication skills during client interactions, resulting in increased trust and fostering long-lasting relationships.
- Assisted customers with setting up or closing accounts, completing loan applications, and signing up for new services.
- Enhanced client retention with proactive follow-ups and timely resolution of account issues.
SALES PROFESSIONAL
Markosian Auto
01.2018 - 01.2020
- Built strong relationships with customers through personalized service, enhancing client loyalty and repeat business.
- Achieved high levels of customer satisfaction by providing exceptional after-sales service, including issue resolution and future needs analysis.
Education
MBA - Strategic Development Emphasis
University of Utah
Salt Lake City05.2025
Bachelor of Science - Financial Planning
University of Utah
Salt Lake City, UT05.2022
Skills
- Strategic Planning
- Internal Business Structural Analysis
- Organizational Development
- Process Improvement
- Project Management
- Analytical Thinking
- Operational Efficiency
- Conflict Resolution
References
Provided upon request.
Timeline
COMMERCIAL PORTFOLIO MANAGER
Brighton Bank
12.2023 - Current
CREDIT ANALYST
Brighton Bank
01.2022 - 12.2023
PERSONAL BANKER / TELLER
Zions Bank
01.2020 - 01.2022
SALES PROFESSIONAL
Markosian Auto
01.2018 - 01.2020
MBA - Strategic Development Emphasis
University of Utah
Bachelor of Science - Financial Planning
University of Utah
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