RAYMOND A SMITH
TAYLORSVILLE,UT
Summary
Professional with strong background in branch management. Skilled in enhancing operational efficiency, driving growth, and fostering team collaboration. Known for adaptability to changing needs and effective problem-solving. Expertise in strategic planning, customer service, and financial oversight. Reliable leader focused on achieving results and empowering teams.
Overview
46
46
years of professional experience
Work History
CARBON FIBER LINE OPERATOR
Hexcel Corporation
03.2008 - Current
- Operated machinery in compliance with safety protocols to ensure efficient production flow.
- Monitored equipment performance and reported issues to maintain operational efficiency.
- Assisted in assembly line tasks, contributing to timely product output and quality standards.
- Maintained clean and organized work area to promote safety and productivity.
- Quality control inspector for aerospace, military, and aviation contracts.
Baggage Claim Specialist
JetBlue Airways, SLC International Airport
03.2005 - 03.2008
- Managed lost baggage claims processing, ensuring compliance with company policies and regulations.
- Analyzed complex claims data to identify personal losses, possible fraud, and improve decision-making processes.
- Collaborated with cross-functional teams to resolve discrepancies and enhance customer satisfaction.
- Developed and implemented a process that streamlined claims handling, reducing turnaround time.
- Utilized advanced claims management software to track progress and maintain accurate records.
- Enhanced customer satisfaction with timely communication, empathy, and clear explanations of claim outcomes.
- Managed a high volume of claims effectively by prioritizing tasks and maintaining excellent organizational skills.
Real Estate Foreclosure Loan Officer
Fairbanks Capital Corporation
01.2003 - 03.2005
- Evaluated borrower financials to determine loan eligibility and risk assessment.
- Negotiated favorable loan repayment terms on behalf of clients, securing advantageous repayment schedules for the investor.
- Managed the collections process for overdue accounts, foreclosures, auditing, and maintaining compliance with regulations.
- Utilized various communication methods including phone calls, emails, and written correspondence to maintain contact with borrowers throughout the collections process.
Branch Manager
Beehive Credit Union
07.2000 - 03.2003
- Led branch operations, lending, and staffing, ensuring compliance with regulations and organizational policies.
- Continuously monitored branch performance against key performance indicators, taking corrective actions as needed to ensure objectives were met or exceeded.
- Improved customer satisfaction by enhancing service quality and resolving client issues promptly. Maintained friendly and professional customer interactions.
- Evaluated employee performance regularly through appraisals and feedback sessions to facilitate continuous development of skills and knowledge base within the team.
- Built relationships with customers and community to promote long term business growth.
Assistant Branch Manager, Loan Officer
Zions Bancorporation
01.1993 - 06.2000
- Supported the Branch Manager with daily tasks, ensuring smooth branch functioning and effective communication.
- Evaluated borrower creditworthiness through comprehensive financial analysis, documentation review and ensuring compliance with regulatory standards.
- Streamlined application workflows, reducing processing times while maintaining high accuracy levels.
- Oversaw successful completion of internal audits with minimal findings, demonstrating strong adherence to bank policies and regulations.
- Managed high-stress situations effectively, maintaining professionalism under pressure while resolving customer inquiries to ensure satisfaction and foster positive service experience.
- Resolved customer inquiries through active listening and effective communication skills.
- Participated in cross-functional teams to discuss ways to improve overall products and services for customer satisfaction.
Foreclosure Specialist
Bank One / Valley National Bank NA
02.1981 - 06.1993
- Managed foreclosure processes, ensuring compliance with regulations and legal requirements.
- Led credit analysis to assess risk and ensure compliance with lending policies to determine eligibility for foreclosure alternatives.
- Evaluated and refined credit policies to ensure compliance with industry regulations and internal standards.
- Developed comprehensive reports on OREO properties, providing insights for executive leadership on the collection, market, and sales opportunities.
- Resolved customer inquiries and issues through effective communication and problem-solving techniques.
- Analyzed mortgage documents to determine eligibility for foreclosure alternatives.
- Streamlined communication between lenders, borrowers, and third-party vendors.
- Collaborated with legal teams to ensure compliance with state and federal regulations during foreclosure proceedings.
Loan Officer
Blazer Financial Services
11.1979 - 10.1981
- Evaluated client financial information to determine loan eligibility and risk assessments.
- Cultivated relationships with clients to provide tailored mortgage solutions and enhance customer satisfaction.
Skills
- Excellent time management and work ethic
- Branch operations, lending, collection and customer service
- Coaching and mentoring
- Active listening skills with call center experience
- Strong team-builder, decision-making and team player
Accomplishments
- Customer Relations - Earned highest marks for customer satisfaction.
- Conflict Resolution - Responsible for handling customer account inquiries, accurately providing information to ensure resolution of product/service concerns or complaints.
- Consumer Credit Manager, Foreclosure Officer, Branch Manager, Loan Officer, Collections, Call Centers, Supervised team and branch staff members.
Timeline
CARBON FIBER LINE OPERATOR
Hexcel Corporation
03.2008 - Current
Baggage Claim Specialist
JetBlue Airways, SLC International Airport
03.2005 - 03.2008
Real Estate Foreclosure Loan Officer
Fairbanks Capital Corporation
01.2003 - 03.2005
Branch Manager
Beehive Credit Union
07.2000 - 03.2003
Assistant Branch Manager, Loan Officer
Zions Bancorporation
01.1993 - 06.2000
Foreclosure Specialist
Bank One / Valley National Bank NA
02.1981 - 06.1993
Loan Officer
Blazer Financial Services
11.1979 - 10.1981