NANCY CRONK OWENS

• Developed strategic initiatives to streamline banking operations post-merger, improving service delivery efficiency.
• Mentored cross-functional teams, fostering professional development and knowledge sharing across departments.
• Analyzed financial performance metrics to identify trends and inform executive decision-making strategies.
• Provided strong leadership to enhance team productivity and morale.
• Conducted performance evaluations, compensations and hiring to maintain appropriate staffing requirements.
• Reviewed and analyzed reports, records and directives to obtain data required for planning department activities.
• Evaluated hiring, firing, and promotions requests.
• Ordered new equipment and inventory and scheduled repairs for damaged equipment.
• Reduced financial inconsistencies while assessing and verifying billing invoices and expense reports.
• Assisted in recruiting, hiring and training of team members.
• Trained and guided team members to maintain high productivity and performance metrics.
• Cultivated and strengthened lasting client relationships using strong issue resolution and dynamic communication skills.
• Handled problematic customers and clients to assist lower-level employees and maintain excellent customer service.
• Reported issues to higher management with great detail.
• Tracked employee attendance and punctuality, addressing repeat problems quickly to prevent long-term habits.
• Interacted well with customers to build connections and nurture relationships.
• Led integration efforts during merger, aligning operational processes and enhancing team collaboration.

45 years of collecting on active consumer loans and charge consumer loans. I have enjoyed working past due credit cards for the past 1 1/2 years. I've filed small claims and civil suits for loans under 20,000 and over 20,000 I I determined what needed to be placed with our bank attorney. Other areas of collecting would consist of skip trace using several different applications, pacer search for bankruptcy, reverse phone search's, credit bureau checks, handled repossessions-finding agents,paperwork,handling the sale, prepared court documents for filing petitions for Judgments,went to court for 45 years, handled the bills for repo agents, attorney bills, court costs, and handled sales at auto auctions and car lots. Wrote up tickets for payments and bills to submit to the correct GL's and submitting spreadsheets with bills that are paid with the clients account information that the funds were added to. Trained several assistance over the years that worked for me.