Summary
Overview
Work History
Education
Skills
Timeline
Generic

SHARONDA RAYFORD

Atlanta,GA

Summary

Strategic and financially driven leader with 13 years of providing an array of financial product solutions in relationship-based, consultative roles. Highly self-motivated and goal oriented problem solver. Sharp attention to detail with the capacity to handle multiple projects, priorities and tasks within budgeting constraints in strict deadline driven environment.

Overview

13
13
years of professional experience

Work History

Home Loan Processor

Wells Fargo Bank N.A.
04.2020 - 12.2022
  • Collaborated with Loan Officers and Closers to provide timely, accurate service for clients throughout entire mortgage process.
  • Managed a high volume pipeline, prioritizing tasks to ensure timely completion according to deadlines.
  • Conducted comprehensive research on borrower financials to accurately assess risk levels associated with each application.
  • Identified potential issues within loan files early in the process, enabling quick resolution before delays could occur.
  • Enhanced customer satisfaction by providing timely updates and clear communication throughout the loan process.
  • Maintained compliance with industry regulations and company policies through thorough review of all loan files.
  • Analyzed borrower credit reports and income statements to verify accuracy.
  • Orders various reports: appraisals, insurance and title.
  • Handled various conditions sent from underwriting departments.
  • Reviewed financial statements and contacted institutions and customers to clarify details.
  • Participated actively in continuous professional development opportunities for staying current on industry trends and compliance updates.

Small Business and Consumer Relationship Manager

Wells Fargo Bank N.A.
02.2011 - 04.2020
  • Lead major initiatives in 2 concurrent roles: consumer and small business. Successfully performed financial and cash flow analysis for consumer and small business-based assets, deposits, and credit accounts up to 1 million dollars.
  • Assisted with training and development of business advocates and newly hired bankers by thoroughly executing development action plan meetings and following through with one on one and documenting progress.
  • Forecasted
  • Executed the banker customer experience process to get to the root cause of clients' financial needs and recommended consumer banking products and solutions based on the findings for 7-10 clients daily. Served on the Regulatory Risk and Management Compliance Task Force and Peer Coaching Team for 10 years.
  • Constructed MS Excel spreadsheets to monitor investments, credit pipelines and data analysis.
  • Followed the Banker Customer Experience process to ensure each client received the same level of excellent customer experience.
  • Worked as a subject matter expert in small business, credit services, insurance, financial education and conduct risk.
  • Supported team readiness to perform for 10-15 internal audits, coached team on policies/procedures, minimizing market risk and reputational risk.
  • Assessed clients’ long and short-term goals as well as creating flexible options that led to a higher financial success rate.
  • Successfully met and exceeded monthly and yearly performance goals 100% of the time throughout tenure and expanded book of business by 110%.




Teller/Senior Lead Teller

Wells Fargo Bank, N.A.
09.2009 - 08.2011
  • Developed reports/data to assist in the evaluation of business performance.
  • Identified risk exposure associated with fraud trends that had the potential to cause financial loss and poor member experience to client profiles, to determine if mitigation measures were necessary.
  • Processed quarterly vault and ATM audits with a zero error rate.
  • Received regional branch recognition award for a 20% sales increase.
  • Consistently executed customer transactions, including deposits, withdrawals, money orders and checks in a time manner.
  • Coached teller(s) and approved transactions that exceeded teller limits.
  • Consistently exceeded quarterly sales goals by 90 - 100%.
  • Ensured significant savings by remaining in compliance with federal guidelines, rules and regulations.


Education

Medical Assistant -

Georgia Medical Institute
Atlanta, GA

Skills

  • Microsoft Office
  • Compliance
  • Policy
  • Credit analysis
  • Document Review
  • File Management
  • Loan Processing
  • Pipeline Management
  • Problem-Solving
  • Sharp attention to detail
  • Regulatory Compliance
  • Time Manager
  • Strategic Thinker/Planner
  • Financial and Cash Flow Analysis
  • Mentor
  • Data Entry
  • Leadership and teamwork

Timeline

Home Loan Processor

Wells Fargo Bank N.A.
04.2020 - 12.2022

Small Business and Consumer Relationship Manager

Wells Fargo Bank N.A.
02.2011 - 04.2020

Teller/Senior Lead Teller

Wells Fargo Bank, N.A.
09.2009 - 08.2011

Medical Assistant -

Georgia Medical Institute

Similar Profiles

  • Troy Clement

    Troy ClementTroy Clement

    Vice President/Business Support Manager/Account Manager/Account Associate at Wells Fargo Bank, N.A. (acquired by Computershare Trust Company, N.A. Nov.2021)Vice President/Business Support Manager/Account Manager/Account Associate at Wells Fargo Bank, N.A. (acquired by Computershare Trust Company, N.A. Nov.2021)

  • Ana Facio

    Ana FacioAna Facio

    Teller at Wells Fargo Bank, N.A.Teller at Wells Fargo Bank, N.A.

  • Shermayne Shepherd

    Shermayne ShepherdShermayne Shepherd

    Loan Administrator / Loan Administration Manager at Wells Fargo Bank, N.A.Loan Administrator / Loan Administration Manager at Wells Fargo Bank, N.A.

  • Arian Sabernia

    Arian SaberniaArian Sabernia

    Home Mortgage Sales Consultant at Wells Fargo Bank, N.A.Home Mortgage Sales Consultant at Wells Fargo Bank, N.A.

  • Brandon Michael Burkes

    Brandon Michael BurkesBrandon Michael Burkes

    New Business Account Executive at ZoominfoNew Business Account Executive at Zoominfo

CREATE PROFILE
SHARONDA RAYFORD