Richard Doty

Manager, direct, and motivate the branch team to provide members the full range of Navy Federal Credit Union products and services including lending products and depository accounts such as checking, savings, certificate, IRA, revocable trust, and estate accounts

• Lead cash operations and branch self-auditing efforts to keep credit union assets secure and within operational limits
• Manage staff to ensure vault opening, closing, and balancing procedures are completed
• Increase productivity of branch office by implementing relevant employee training, establishing team development goals, and eliminating inefficiencies
• Lead outside marketing and promotional activities for members through financial presentations, local events and realtor/trade shows and events
• Oversee recruiting/selection on-boarding and initial training of team members
• Administer budget, purchasing, tracking and records retention for business expenses
• Lead team to achieve and maintain product, service , and business goals, including cross servicing of Navy Federal products and services
• Promote member service excellence and lead team to deliver quality service
• Liaise with other branches to support business growth and continuity of regional operations
• Analyze reports and conduct trend analysis to optimize business performance
• Analyze problems based on practice and precedent
• Ensure compliance with all security, safety, and emergency preparedness procedures
• Ensure compliance with all HR related policies, practices, and procedures, such as timekeeping, recruiting, compensation, separations, leave usage, etc.
• Ensure the team follows, complies with, and regularly reviews all required policies, practices and procedures using established guidelines
• Resolve employee concerns by reducing conflict in the simplest situations
• Perform supervisory/managerial responsibilities:

Manage daily activities

Ensure adequate/skilled staffing; select employees

• Establish performance goals and priorities
• prepare, conduct, and review performance appraisals
• Develop, mentor, and counsel staff
• Provide input and/or prepare budget requirements for annual financial planning (AFP)
• Ensure section/branch goals and objectives align with division/department strategy
• Ensure efficiency of operations
• Perform other duties as assigned
• Boosted customer base, acquiring new customers and identifying needs to deliver relevant products.
• Verified cash by balancing cash drawers and maintaining cash count records.
• Complied with company policies and government regulations to prevent and detect rule violations and protect organization from fines and lawsuits.
• Assigned duties to employees and examined work for accuracy, neatness and timeliness.

Ensure the branch meets and exceeds customer expectations while creating a customer obsessed culture in the branch, creating an environment that influences the use of technology that meet the customers needs of today and the future.

• Act as the standard bearer of Chase by creating a world-class customer experience
• Partner with associate bankers to make every entrance into the branch a warm and welcoming one
• Assist bankers and partners in maintaining customer relationships
• Educate clients on how ot use our digital platfomrs to bank and invest when, where and how they want
• Build partnerships with loan businesses to build the branch in the local market area through strong community involvement
• Build relationships by promoting a client/customer centered organization and proactively addressing customer needs
• Create an enviroment that encourages team members to provide an exceptional customer experience and a dynamic and engaging culture
• Manage and coach branc employees to engage customers
• Actively identify, coach, develpop, motivate, and support employees so that they can provide superior service to every customer
• Bring out the best in the branch employeed by providing training, coaching, and motivating them to become strong culture carriers and collaborators between all lines of business
• Promote a strong control enviroment to evaluate, manage and conduct new and exsisting business by adhering to risk/control expectations, procedures, and processes
• Drive deposits & onvestment growth for the branch
• Create branch-specific strategies to grow the business
• Use reporting to identify high potential and at-risk customers
• Leverage and understand the generated branch scorecard to identify drivers and strategies to be successful
• Partner with bankers in cultivating new and exisiting deposits
• Create strong partnership and work with branch partners, including financial advisors, home lending and business banking, to grow deposits and investments
• Improve revenue expenses and grow the business while exceeding customer expectations

• Analyzed applicants' financial status, credit and property evaluations to determine feasibility of granting loans.
• Analyzed applicants' financial status and credit and property evaluation to determine feasibility of granting loan.
• Executed loan origination process and ordered credit reports, appraisals and preliminary title reports.
• Educated customers on variety of loan products and available credit options to promote valuable decision-making.
• Adhered to federal and state compliance guidelines relative to retail mortgage lending.
• Performed daily maintenance of loan applicant database.
• Approved loan within specified limits or referred to appropriate approval level.
• Managed pipeline for originated loans through closing and complete required management reports.
• Built referral business by meeting with local financial planning, home builders and real estate professionals.
• Developed and maintained knowledge of available loan products, processing procedures and underwriting and general departmental guidelines.
• Obtained and compiled copies of loan applicants' credit histories, corporate financial statements and other financial information to update credit and loan files.
• Collected past due loans, keeping credit and collateral exceptions within policy ranges.
• Recommended loan approvals and denials based on customer loan application reviews.
• Reviewed loan agreements to confirm completeness and accuracy.
• Submitted loan applications to underwriter for verification and recommendations.
• Met with applicants to obtain information for loan applications and answer questions about process.
• Answered customer inquiries involving rates, products and loan application status to facilitate quality customer service.
• Delivered high levels of customer service to facilitate smooth processes.