SHARONDA RAYFORD

• Processed, managed and monitored a high volume, 25-30 pipeline monthly, prioritizing tasks to ensure timely completion according to deadlines.

• Collaborated with Loan Officers, Underwriters and Closers to provide timely, accurate service for clients throughout entire loan process and to ensure accurate submission of documentation for swift approval decisions.

• Identified any issues within loan files early in the process, enabling quick resolution to avoid delays that would prevent clear to close.

• Conducted comprehensive research, reviewed, and analyzed third-party documents such as credit reports, homeowners’ insurance, title, appraisals, verification of employment and financial statements to verify accuracy and assess risk levels associated with each application.

• Identified, analyzed, monitored and reported risk exposure associated with fraud trends that had the potential to cause financial loss to the company and poor member experience to clients’ profile, to determine if mitigation measures were necessary.

• Enhanced customer satisfaction by providing timely updates and clear communication to clients throughout the loan process.

• Participated actively in continuous professional development and maintained compliance with industry regulations and company policies through thorough review and verified of all loan files.

• Exceeded performance metrics consistently, contributing positively towards team goals while maintaining excellent customer service standards.

• Lead major initiatives in 2 concurrent roles: consumer and small business. Assessed clients' short term and long term goals to create flexible options.

• Successfully performed financial and cash flow analysis for consumer and small business-based assets, deposits, and credit accounts.

• 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.

• Successfully met and exceeded monthly and yearly performance goals 100% of the time throughout tenure and expanded book of business by 110%.

• Constructed MS Excel spreadsheets to monitor investments, credit pipelines and data analysis.

• Served on the Regulatory Risk and Management Compliance Task Force and Peer Coaching Team for 5 years.

• Supported team readiness to perform 10-15 internal audits, coached team on policies/procedures, minimizing market risk and reputational risk.

• Assisted with training, scheduling and development of business advocates and newly hired bankers by thoroughly executing development action plans and following through with on-going coaching and documenting progress.

• Identified and reported any situations deemed suspicious to best resolve issues posing potential risk to the company or customers by facilitating communication between departments for efficient information sharing related to BSA/AML matters and reporting CTRs and SARs when necessary.

• Approved teller(s) transactions, coached and assisted with training of new teller(s) in cash handling procedures, company operations, policies, and professional development to promote compliance with established standards.

• Developed daily reports/data to assist in the evaluation of business performance and end of day closing.

• Balanced and processed quarterly teller(s), vault, and ATM audits with a zero-error rate.

• Resolved escalated issues with customer transactions to facilitate improved process flow and encourage good customer relations.

• Consistently managed high-volume and complex transactions efficiently while maintaining attention to detail, ensuring accurate processing for customers.

• Promoted and developed strong relationships with customers through exceptional service, fostering loyalty and trust, while identifying cross selling opportunities and recommending appropriate company products or services.

• Consistently exceeded quarterly sales goals by 90 - 100% and received regional branch recognition award for a 20% sales increase.

• Maintained up-to-date knowledge of bank products, services, promotions, policies, regulations to better assist customers with their financial needs.

• Identified, analyzed, monitored and reported risk exposure associated with fraud trends to best resolve issues posing potential risk to the company and clients by facilitating communication between departments for efficient information sharing related to BSA/AML matters and reporting CTRs and SARs when necessary.