Stacie Richards
Arab,AL
Summary
Detail-oriented professional with expertise in processing loan applications and enhancing client relationships. Proven ability to streamline workflows and deliver exceptional customer service, ensuring timely issue resolution and high satisfaction rates.
Overview
23
23
years of professional experience
Work History
Relationship Manager Assistant II
Cadence Bank
05.2021 - Current
- Processed loan applications by verifying borrower information and documentation accuracy.
- Reviewed credit reports and financial statements to assess borrower eligibility for loans.
- Collaborated with underwriters to resolve discrepancies and expedite loan approvals.
- Coordinated communication between clients, lenders, and real estate agents throughout loan process.
- Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
- Ensured accuracy of client information, verifying data collected during the application process and updating records as needed.
- Assisted clients in understanding complex financial documents required for completing their loan applications successfully.
- Reviewed loan files for completeness, identified missing documentation, and generated condition lists for applicants.
- Set up and completed loan submission packages.
- Assisted loan officers with origination and closing processes to fastrack procedures and promote teamwork.
- Prepared documents for underwriting by verifying client income, credit reports, and other information.
- Promoted a positive work environment through effective communication skills and teamwork initiatives.
- Managed multiple loans simultaneously ensuring timely completion of each task assigned without compromising on compliance or quality standards.
- Provided quick turnaround times to maintain fast-past schedule.
- Developed and maintained relationships with customers and loan officers to establish smooth loan process.
- Strengthened relationships with clients through consistent follow-up calls and personalized attention to their needs.
- Maintained compliance with federal, state, and company regulations through regular review of updated guidelines.
- Provided exceptional customer service by addressing borrower concerns and resolving issues in a timely manner.
- Analyzed credit reports to determine eligibility of applicants and capacity for loan products.
- Handled any conditions sent from underwriting departments.
- Facilitated successful loan closings by coordinating with underwriters, title companies, and attorneys throughout the process.
- Enhanced team collaboration by sharing best practices and providing constructive feedback on colleagues'' work.
- Streamlined workflow processes for increased productivity within the team while maintaining high quality output.
- Coordinated closing process with attorneys, title companies, and government clerks.
- Advised loan officers to comply with loan guidelines and apply best practices.
- Optimized loan processing workflows, enabling team to handle higher volume of applications without compromising quality.
- Improved customer satisfaction by providing timely updates and clear communication throughout loan application process.
- Negotiated terms with underwriters, achieving favorable loan conditions for clients.
- Enhanced loan approval rates by meticulously reviewing and verifying applicants' financial information.
- Processed loan applications and monitored progress from start to finish.
- Evaluated loan requests and documents to verify accuracy and completeness.
COLLECTIONS OFFICER
FNB Bank
10.2007 - 05.2021
- Managed collections processes to reduce delinquencies and improve cash flow.
- Implemented effective communication strategies for resolving customer payment issues.
- Developed and maintained accurate records of customer accounts and payment arrangements.
- Collaborated with team members to streamline collection workflows and enhance efficiency.
- Trained junior staff on compliance regulations and best practices in debt collection.
- Determined when repossession would be best course of action, preparing appropriate documentation for process.
- Participated in continuous professional development opportunities, staying current on industry best practices related to collections and debt recovery.
- Developed customized payment plans tailored to individual financial situations, increasing likelihood of repayment.
- Provided comprehensive client support throughout the collections process by addressing inquiries promptly and offering solutions as needed.
- Conducted thorough investigations to locate hard-to-find debtors, leading to successful recoveries.
- Minimized legal action by effectively negotiating settlements between debtors and creditors.
- Researched accounts and completed due diligence to resolve collection problems.
- Counseled debtors on payment options and arranged installment agreements.
- Used probing techniques to determine debtors' reasons for delinquency.
- Responded to customer inquiries and provided detailed account information.
- Maintained accurate records of customer accounts, payments and payment plans.
- Monitored customer accounts for payment delinquency and initiated collection efforts.
- Contacted customers to discuss past-due accounts and negotiated payment plans.
- Worked with customer to create debt repayment plan based on current financial condition.
- Entered client details and notes into system for interdepartmental access and review.
- Processed debtor payments and updated accounts to reflect new balance.
- Researched billing errors and discrepancies to initiate corrective action.
- Located customers with overdue accounts and solicited payment in compliance with fair debt collection practices.
- Analyzed customer financial records to determine appropriate payment plan.
- Initiated repossession process or service disconnection upon failure of other collection methods.
- Delivered exceptional customer service on collection calls and maintained calm and professional demeanor.
- Improved debtor relations through effective dispute resolution strategies, cultivating trust among clients and colleagues alike.
- Leveraged strong negotiation skills to secure favorable terms for both the company and its clients during payment negotiations.
- Documented all daily collections and delinquent account activities by uploading information to company's database.
- Contacted delinquent members by phone, email and mail to determine reasons for delinquency.
- Managed a high-volume caseload while providing exceptional service and meeting performance targets consistently.
- Utilized strong communication skills to handle difficult conversations with customers, maintaining professionalism and empathy.
Head Teller
Regions Bank
02.2003 - 09.2007
- Supervised daily cash operations, ensuring accuracy and compliance with bank policies.
- Mentored and trained junior tellers in customer service best practices and operational procedures.
- Implemented process improvements to enhance transaction efficiency and reduce wait times.
- Conducted regular audits of cash drawers to maintain accuracy and prevent discrepancies.
- Resolved complex customer inquiries, fostering positive relationships and enhancing client satisfaction.
- Monitored teller performance metrics, providing feedback to improve team productivity and service quality.
- Balanced cash drawers consistently at end-of-day without discrepancies, ensuring accuracy in all transactions processed throughout the day.
- Oversaw currency shipments and deposits while adhering to strict safety guidelines.
- Replenished ATM funds in empty canisters prior to validation process.
- Managed high-volume cash transactions daily, maintaining accuracy and efficiency under pressure.
- Assisted customers with account inquiries, resolving issues promptly to ensure satisfaction.
- Answered inquiries regarding checking and savings accounts and other related products.
- Introduced customers to other bank team members to help meet financial needs.
- Developed strong rapport with customers by actively listening, addressing concerns promptly, and providing tailored solutions.
- Provided support during audits, gathering necessary documentation and demonstrating compliance with internal controls.
- Verified amount of cash in cash drawer against day's receipts, quickly identifying errors.
- Enhanced customer satisfaction by providing efficient and accurate transaction services.
- Reduced errors in transactions with vigilant attention to detail and adherence to banking regulations.
- Mentored junior tellers, fostering professional development and growth within the team.
- Assisted customers with setting up or closing accounts, completing loan applications, and signing up for new services.
- Collaborated with branch management to develop strategies for reaching sales targets and improving overall performance.
- Managed daily bank operations by processing customer transactions and providing exceptional customer service.
- Cross-sold credit cards, loans and other bank products.
- Maintained friendly and professional customer interactions.
Education
High School Diploma -
Fairview High School
Fairview, AL05-1989
Skills
- Relationship building
- Client relationships
- Relationship building and management
- Excellent communication
- Product knowledge
- Product recommendations
- Critical thinking
- Issue resolution
- Loans
- Attention to detail
- Customer service
Timeline
Relationship Manager Assistant II
Cadence Bank
05.2021 - Current
COLLECTIONS OFFICER
FNB Bank
10.2007 - 05.2021
Head Teller
Regions Bank
02.2003 - 09.2007
High School Diploma -
Fairview High School