Resha Watson
Montgomery,AL
Summary
Enthusiastic Branch Manager experienced in leading branch staff to exceed sales goals while delivering excellent customer service.
Overview
10
10
years of professional experience
Work History
Branch Manager
First Heritage Credit LLC
Prattville, AL
07.2023 - Current
- Managed staff scheduling, hiring and training processes.
- Provided guidance and support to team members regarding problem resolution and customer service issues.
- Resolved escalated customer complaints in a timely manner.
- Ensured compliance with established policies, procedures and regulations governing banking operations.
- Assisted other branches when needed.
- Facilitated weekly meetings with staff members to discuss progress on current initiatives.
- Provided feedback on employee performance evaluations conducted by supervisors.
- Managed and inspired team members to perform to full potential.
- Assigned duties to employees and examined work for accuracy, neatness and timeliness.
- Reviewed credit histories, income statements, and other financial information of loan applicants.
- Verified accuracy of loan documents prior to approval.
- Approved or denied loan applications based on established guidelines.
- Assist with loan closing.
- Conducted skip-tracing activities to locate delinquent customers.
- Call collection accounts
- Make outbound calls to develop business
Bookkeeper
MPS
Montgomery, AL
10.2022 - 01.2024
- Monitored cash flow and budget adherence to support profitability
- Balanced ledgers and accounts to identify discrepancies
- Reviewed invoices and payments for accuracy before processing
- Provided support with month-end close processes such as journal entries and reconciliations
- Processed bills by recording invoices received from suppliers or vendors on accounting system database
- Prepared financial reports by collecting, analyzing, and summarizing account information and trends
- Generated detailed reports on account activity to ensure accuracy of financial data
- Process payroll
Assistant Manager
First Heritage
Montgomery, AL
12.2021 - 08.2022
- Developed and maintained relationships with loan customers, providing excellent customer service
- Handle customer concerns effectively and in a timely manner
- Process transaction person and over the phone
- Reviewed loan application packages before submitting them to upper management for approval
- Reviewed loan documentation for accuracy and completeness prior to closing
- Verified accuracy of documents submitted by borrowers including tax returns, pay stubs
- Tracked overdue accounts using collection software tools and contacted delinquent borrowers directly when necessary
- Reviewed credit reports for accuracy and completeness before approving or denying loans
- Processed loan applications, collected documents from customers, verified information and calculated payments.
Branch Manager
Always Money
Montgomery, AL
05.2021 - 12.2021
- Managed staff scheduling and training processes.
- Provided guidance and support to team members regarding problem resolution and customer service issues.
- Created reports summarizing operational performance metrics for senior management review.
- Developed and maintained relationships with potential customers to increase loan business.
- Verified accuracy of loan documents prior to approval.
- Processed payments received from borrowers in accordance with established policies and procedures.
- Reviewed loan agreements
- Called delinquent accounts
- Answered customer inquiries and provided accurate information regarding products and services.
- Provided excellent customer service to resolve customer complaints in a timely manner.
Senior Branch Clerk
Acceptance Loan Company
Montgomery, AL
01.2018 - 05.2021
- Handled over 15 customers each day and processed transactions, including deposits and withdrawals
- Provided excellent service and attention to customers when face-to-face or through phone conversations
- Exceeded customer satisfaction by finding creative solutions to problems
- Reviewed loan agreements to verify completeness and accuracy according to applicable policies
- Reviewed credit histories from applicants and determined feasibility of granting requested loans
- Operated computers programmed with accounting software to record, store and analyze information
- Checked figures, postings and documents for correct entry, mathematical accuracy and proper codes
- Prepared bank deposits by compiling data from cashiers, verifying and balancing receipts and sending payment to banks
- Trained new tellers in processes and procedures for financial institution, answering questions and providing guidance
- Worked closely with customers service representatives to maintain optimum levels of communication to effectively and efficiently complete projects
- Reconciled accounts receivable ledger to verify payments and resolve variances
- Tracked invoices, UCC's and Titles
- Collections
Training Store Manager
It's Fashion
Montgomery, AL
01.2016 - 01.2018
- Interviewed and hired dedicated team members, adding value to the team.
- Demonstrated expertise in managing inventory, protecting company assets, ensuring merchandising integrity, and maintaining overall facility cleanliness.
- Cross-trained employees to do other jobs within business, increasing job skills and productivity.
- Role-played with employees to help sharpen skills and learn to deal with challenging situations.
- Reported on buying trends, customer needs, and profits.
- Managed scheduling for 20 employees to optimize productivity.
- Operated a cash register to process cash, checks and credit/debit card transactions.
- Processed daily paperwork, balanced register drawers and prepared deposits.
- Delivered excellent customer service and adhered to standard practices to maximize sales and minimize shrinkage.
- Connected with customers daily to understand needs, provide assistance and collect feedback to optimize operations.
- Generated repeat business by responding to customer concerns with friendly and knowledgeable service.
- Resolved customer problems by investigating issues, answering questions and building rapport.
- Assisted customers daily by selecting merchandise, answering questions and quickly resolving concerns
Customer Service Representative
Title Cash
Montgomery, AL
08.2014 - 12.2015
- Handled any conditions sent from underwriting departments
- Issues reports for old and new loans based on field inspections of loan sites
- Worked with customers in person and via telephone to answer questions, process transactions and resolve issues
- Interviewed clients regarding loan needs and financial histories and conveyed information regarding application processes
- Kept office supplies well organized and sufficiently stocked, placing orders promptly to replenish materials before depleted
- Closely monitored performance of current portfolio of specialty loans and made changes to achieve performance targets
- Successfully closed average of 25 loans per month
- Maintained strict confidentiality of bank records and client information.
Assistant Manager
Advance America
Montgomery, AL
12.2013 - 07.2014
- Developed loyal and highly satisfied customer base through proactive management of team customer service strategies
- Mentored sales team in applying effective sales techniques and delivering top-notch customer service
- Monitored cash intake and deposit records, increasing accuracy and reducing discrepancies
- Set and enforced policies focused on increasing team productivity and strengthening operational efficiency
- Monitored security and handled incidents calmly
- Verified inventory counts remained within monthly tolerance levels and compiled financial data in compliance with budget
- Process payday loan and tittle loans
- Cash handling
- Closed 20 plus loans every month which help build the companies revenue by 25%.
Education
Associate Of Science In Business Administration -
New England College
Skills
- Troubleshooting
- Customer service and support
- Payment Summary
- 10-Key Data Entry
- Signature Verification
- Billing Data Verification
- Account Posting
- Accounts receivable and payable
- Financial Documentation
- Charge Slips
- Billing and Invoicing
- Customer Contact
- Microsoft Office and Excel spreadsheet
- Coaching and Mentoring
Timeline
Branch Manager
First Heritage Credit LLC
07.2023 - Current
Bookkeeper
MPS
10.2022 - 01.2024
Assistant Manager
First Heritage
12.2021 - 08.2022
Branch Manager
Always Money
05.2021 - 12.2021
Senior Branch Clerk
Acceptance Loan Company
01.2018 - 05.2021
Training Store Manager
It's Fashion
01.2016 - 01.2018
Customer Service Representative
Title Cash
08.2014 - 12.2015
Assistant Manager
Advance America
12.2013 - 07.2014
Associate Of Science In Business Administration -
New England College
Similar Profiles
Lashameyer WilliamsLashameyer Williams
Loan Consultant at First Heritage Credit LLCLoan Consultant at First Heritage Credit LLC
Hannah SmithHannah Smith
Consumer Loan Specialist at First Heritage Credit LLCConsumer Loan Specialist at First Heritage Credit LLC
Yamile SolanoYamile Solano
Member Experience Advisor 1 at American Heritage Credit UnionMember Experience Advisor 1 at American Heritage Credit Union