Summary
Overview
Work History
Education
Skills
Timeline
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Ruth Baker

Reeds Spring,MO

Summary

Looking to reenter the workforce. Prior banking professional with a proven track record at Simmons Bank, excelling in operational efficiency and customer relationship management. Skilled in financial product sales and staff development, demonstrating strong analytical decision-making and effective communication skills. Excellent reporting, record keeping and relationship-building abilities.

Overview

9
9
years of professional experience

Work History

Assistant Branch Manager

Simmons Bank
05.2016 - 01.2021
  • Managed approximately 30 incoming calls, emails and faxes per day from customers.
  • Learned customer service protocols to enhance client interactions and satisfaction.
  • Conducted weekly staff meetings to motivate staff members, address concerns, and questions, plan improvements and evaluate progress toward goals.
  • Developed strong relationships with key clients, contributing to significant growth in business revenue.
  • Led monthly team meetings focusing on progress updates, goal-setting sessions, best practices sharing and collaborative problem-solving.
  • Played a key role in growing the branch''s loan portfolio through proactive client outreach and relationship management efforts.
  • Conducted regular performance evaluations for staff members, providing constructive feedback for professional development and growth.
  • Examined customer loan applications for loan approvals and denials.
  • Submitted loan applications to underwriter for verification and recommendation.
  • Established internal audit procedures to validate and improve accuracy of financial reporting.
  • Established and checked coding procedures, monitored reports and updated internal files.
  • Assisted in inventory management, ensuring optimal stock levels for branch needs.
  • Collaborated with team members to maintain compliance with company policies and procedures.
  • Participated in training sessions to develop skills in financial products and services offered.
  • Trained and developed new team members in alignment with branch service standards and objectives.
  • Monitored daily branch activities, quickly identifying areas requiring improvement or corrective action to maintain operational excellence.
  • Oversaw successful completion of internal audits with minimal findings, demonstrating strong adherence to bank policies and regulations.
  • Supervised and evaluated staff to help improve skills, achieve daily objectives, and attain advancement.
  • Trained and mentored new employees, fostering a positive work environment that led to higher retention rates.
  • Assisted in creating a welcoming branch atmosphere by maintaining cleanliness, organization, and visually appealing displays of promotional materials.
  • Built rapport with account holders by reaching out with product recommendations and account updates.
  • Assisted in achieving branch sales goals by identifying potential cross-selling opportunities and promoting bank products and services.
  • Coordinated staff schedules, maintaining optimal staffing levels during peak business hours for improved customer experience.
  • Collaborated with senior management to align branch goals with corporate objectives.
  • Maintained confidentiality of bank records and client information to prevent mishandling of data and potential breaches.
  • Optimized staff productivity through effective scheduling, task delegation, and performance monitoring.
  • Boosted branch revenue through targeted marketing campaigns aimed at attracting new clients and retaining existing ones.
  • Oversaw employee recruitment processes to ensure hiring of qualified candidates who contributed positively to the bank''s goals and culture.
  • Resolved escalated customer issues quickly and efficiently while demonstrating empathy towards clients' concerns resulting in higher customer retention rates.
  • Interviewed and hired talented individuals with top-level strengths, improving organizational talent, and skill set.
  • Prepared cash flow projections, cost analysis and monthly, quarterly and annual reports.
  • Provided expert guidance on mortgage products, ensuring clients made informed decisions.
  • Collaborated with underwriters to resolve discrepancies and expedite approvals.
  • Trained junior staff on best practices in loan origination and customer service techniques.
  • Assisted clients in selecting appropriate loan products for their needs, resulting in higher customer satisfaction.
  • Delivered exceptional customer service by promptly addressing client concerns and resolving issues as they arose during the lending process.
  • Submitted loan applications to underwriter for verification and recommendations.
  • Meticulously reviewed applicant documentation, ensuring accuracy and completeness prior to submission for underwriting approval.
  • Ensured compliance with all federal and state regulations throughout the loan origination process.
  • Advised clients on mortgage, education and personal loans.
  • Managed a diverse portfolio of loans while maintaining strong relationships with borrowers and referral partners.
  • Assisted clients with improving financial health by counseling on issues such as excessive spending and borrowing.

Sales Lead Keyholder

Ann Taylor
08.2011 - 07.2016
  • Led team in achieving sales targets through effective product promotions and customer engagement strategies.
  • Trained and mentored new sales associates, enhancing team performance and customer service standards.
  • Monitored inventory levels, ensuring optimal stock availability to meet customer demands efficiently.
  • Developed and implemented visual merchandising strategies to maximize product visibility and appeal.
  • Collaborated with management on strategic planning initiatives to drive revenue growth and market expansion.
  • Executed cash handling procedures, maintaining accuracy in financial transactions and reporting processes.
  • Opened inventory boxes and restocked shelves.
  • Opened and closed store 5 days per week by counting registers, making deposits, and storing and filing all daily paperwork.
  • Consistently exceeded individual sales goals while contributing to the overall success of the team.
  • Trained new hires on company policies, procedures, and best practices in order to ensure a smooth onboarding process.
  • Collaborated with store management to strategize on sales initiatives and drive overall revenue growth.
  • Identified potential upsell opportunities by monitoring customer needs closely as they browsed available products.
  • Organized employee schedules, adhering to budgetary constraints while maintaining adequate staffing levels during peak hours.
  • Achieved sales targets consistently through product knowledge and persuasive communication skills.
  • Cultivated a positive and supportive work environment, fostering strong teamwork and high morale among staff members.
  • Submitted reports to senior management to aid in business decision-making and planning.
  • Managed store personnel by delegating tasks and supervising daily operations.
  • Swept and mopped floor, wiped windows and fixtures after closing to maintain organized and tidy store.
  • Maintained focus during busy times and delegated tasks to employees to keep business running smoothly.
  • Researched issues to obtain appropriate answers to customer inquiries.
  • Kept close eye on department employees and customers to assess theft risks and maintain loss prevention goals.
  • Liaised with sales, marketing, and management teams to develop solutions and accomplish shared objectives.

Education

High School Diploma -

Reeds Spring High School
Reeds Spring, MO
05.1996

Skills

  • Banking
  • Operational efficiency management
  • Goal-oriented business growth
  • Financial product sales and service
  • Staff management/Team development/Education and Training
  • Risk management/Regulatory compliance/Audits/Federal Regulations/Security and safety protocols
  • Account retention/ Customer relationships
  • Analytical decision-making
  • Effective verbal and written communication
  • Preparation of loan documentation
  • Attention to detail

Timeline

Assistant Branch Manager

Simmons Bank
05.2016 - 01.2021

Sales Lead Keyholder

Ann Taylor
08.2011 - 07.2016

High School Diploma -

Reeds Spring High School

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Ruth Baker