Re'gain Moneybanker

• Directed the branch network, operations, retail banking, bookkeeping, compliance, enterprise risk, marketing, public relations, business development, core processing, branding, social media, security, sales, electronic delivery channels, ATM delivery channels, efficiency, change management, culture and product development functions of the bank.
• Strategically plan for the future of the organization by developing short, intermediate and long range plans, acquisition strategies, operational efficiencies, change management and technology needs of the bank to achieve goals and objectives for the bank and holding company.
• Ensures consistent delivery of all services, promoting strong customer service standards, regulatory compliance and operational efficiency to encourage continuous improvement.
• Determine methods and procedures for executing corporate wide strategic plans, action plan initiatives and programs within the bank.
• Progressively manages and launches the marketing, advertising, branding, social media, public relations, donations, financial literacy, consumer education and community service efforts for the bank.
• Actively lead, manage and monitor projects and committees related to operational, product and sales initiatives to ensure the bank is aware and incorporating new trends, technology and product offerings to exceed customer expectations.

Key Achievements:

• Created a dynamic and responsive team resulting in increased profitable retail growth and revenue generating sales consistently over 6 years.
• Directed a cross-functional team to evaluate and implement a new core processing, electronic delivery channel and ancillary product systems.
• Inspired a culture evolution within the organization to improve the customer experience.
• Evaluated the organizational compensation philosophy and introduced a new total compensation structure.
• Consistently exceeded annual budget goals for core retail growth, retail deposit portfolio product mix, fee income, ROA, ROE, net interest margin, products per household growth and customer profitability.
• Spearheaded corporate initiatives to become highly profitable while managing enterprise risk and remaining a sound financial institution.
• Substantially improved productivity while reducing staffing and operational costs.
• Developed and introduced profitable new products.

Managed branch delivery channels, retail, deposits, operations and sales functions of the organization including providing leadership, guidance and supervision to retail market managers, retail sales managers, office coordinators, bookkeeping, call center, business development, retail sales representatives and tellers.

• Identifies, improves and actively manages operational efficiencies within the organization by measuring and monitoring the reliability, integrity and security of bank systems.
• Conceptualizes, develops and implements new process controls, approaches and identifying appropriate staffing needs within the organization to achieve the objectives of the company.
• Accountable for establishing short, intermediate and long range strategic planning initiatives to exceed the goals and objectives of the organization by analyzing data, preparing budget estimates, developing marketing strategies and implementing policy and procedures within the business units.
• Research, develop, prepare and deliver retail operational, compliance, product and sales training curriculum for staff through a variety of mediums to ensure new and existing staff are informed and effectively delivering service.

Key Achievements:

• Streamline operational processes which resulted in cost savings, staff reduction and professional development of key employees.
• Enhanced branch security, retail compliance and BSA processes.
• Implemented standard processes, procedures and staff training in the retail and operations departments.
• Develop improved organizational structure of the retail and operations departments to effectively utilize staff strengths.
• Exceed established budget goals through active participation and leadership in sales management and business development programs.
• Created profitable products to increase non-interest fee income.
• Initiated strategy to alter the retail product mix portfolio to successfully reduce interest expenses and increase profitability.

Managed consumer lenders, retail banking, branch networks, member service, relationship managers and business development employees.

• Oversaw sales development and marketing activities for all full service, specialized branch locations and alternative delivery channels including payday lending.
• Effectively nurture and promote a cross sales environment focusing on loan volume, deposit growth, new memberships, services, business, commercial and new retail accounts.
• Train and develop new hires and current staff on sales initiatives, marketing concepts, branding and branch development.
• Evaluate, design and launch loan, deposit and business products for all delivery channels.
• Develop, coordinate and implement branch promotions, sales activities, call parties, guerilla marketing efforts, and trade show events.

Key Achievements:

• Exceeded consumer loan, retail and income budget goals.
• Effectively nurtured and promoted a cross sales environment focusing on loan volume, deposit growth, new memberships, services, business, commercial and new retail accounts.
• Managed budgets to reduce expenses and increase fee income.
• Instituted retail compliance structure to develop sound regulatory performance.
• Facilitated and led a culture change to improve the customer experience.
• Designed, monitored and implemented incentive and sales programs.
• Developed, coordinated and implemented viral marketing strategies.
• Effectively organize and manage corporate and cultural changes within all divisions of the organization.

Hand selected to develop, manage, launch, implement and train personal bankers, managers, officers and brokers within 3 states on the new annuity and insurance programs.

• Actively responsible for internal and field support for dedicated brokerage and platform staff.
• Accountable for compliance training and monitoring to ensure regulatory standards were achieved.
• Strengthened staff skills by developing curriculum and directly training staff within the region using 25 training modules, 7 annuity school training programs, standard platform annuity training manual and licensed banker training program that I produced and initiated.

Key Achievements:

• Created a new revenue stream for the organization to drive investment division income.
• Exceeded budgetary goals and expectations by introducing a new product line to the markets.
• Increased brokerage referrals to dedicated investment representatives.
• Developed and conducted revenue generating activities including call nights, client appreciation events, referral training, seminars and weekly sales ideas.
• Organized and coordinated multiple successful sales staff recognition trips to the Keys, Bahamas and Mexico.