Stephanie Lawrence
Roanoke,VA
Summary
Dynamic leader and adept loan originator with a proven track record at Third Federal Savings and Loan, enhancing customer satisfaction and streamlining operations. Excelled in compliance knowledge and customer service, fostering robust relationships and driving significant business development. Expert in financial product sales and team collaboration, consistently achieving and surpassing goals.
Overview
23
23
years of professional experience
1
1
Certification
Work History
Universal Associate / Business Developer
Third Federal Savings and Loan
03.2006 - 03.2024
- Performed daily balancing of assigned teller drawer, ensuring accuracy of all transactions processed throughout the day.
- Processed cash deposits, withdrawals, transfers, loan payments and check cashing.
- Prepared incoming and outgoing cash shipments.
- Originated outgoing wire transfers
- Completed all assigned audits in a timely manner, communicated finding to management.
- Assisted customers in opening new accounts and provide detailed information on available banking services. Offered products and made referrals to Licensed agent.
- Opened new IRA plans, requested IRA transfers. Completed all required IRA documentation. Processed RMD distributions for plan participants.
- Provide excellent customer service to clients by responding promptly and accurately to inquiries, complaints, and requests in a professional manner.
- Prepared customer correspondences to inquires or closeout requests.
- Member of policy and procedure team, updated and reviewed all banking procedures for bank wide branch manuals.
- Completed regional branch audits by audited cash boxes, negotiable instruments, checks negotiated and new accounts opened.
- Originated first mortgage products; Purchase, Refinances, Home Equity Lines of Credit, and Collateral loans. Completed applications in person, over the phone or assisted in online applications. Gathered all required documentation for loan process and Underwriting determination. Relayed loan approvals / denials and cunter offers to borrowers. Prepared file for loan closing and completed loan signings. Followed up after loan closing to cross sell bank products.
- Reviewed / QC loan agreements/ closing documents for accuracy to avert funding issues.
- Called on purchase realtors and provided banking products/ rate information. Attended Pinellas Realtor Organization affiliate meetings/ network events during and after banking hours.
- Attended Chamber of Commerce events, spoke to members of the community about available products offered, volunteered at events for Chamber of Commerce.
- Built strong relationships with customers, realtors and title companies and provided exceptional service throughout the entire loan process.
- Presented First time Homebuyers classes with local partners on obtaining a mortgage.
- Presented Financial Literacy classes for nursing homes, school aged children and other community partners.
- Worked with local Neighborhood housing Services by reviewing applications for their clients to see if they are mortgage ready.
- Completed pre-approvals for purchases and completed applications for First Time Homebuyers programs available.
- Worked with local municipalities for DPA and purchases.
Assistant Manager
First Community Bank of America
02.2001 - 02.2006
- Supervised day-to-day operations to meet performance, quality and service expectations.
- Originated / verified wire transfer on Fed Line
- Processed daily general ledger entries for overnight Fed funds and short term investments.
- Received, obtained approvals on all bank accounts payable to ensure prompt payments.
- Processed GL entries and processed check payments to vendors.
- Developed strong working relationships with staff, fostering a positive work environment.
- Monitored cash intake and deposit records, cash shipments incoming and outgoing
- Replenished/ balanced ATM
- Completed Cash / negotiable item audits.
- Opened new accounts and issued debit cards
- Generated repeat business through exceptional customer service.
- Offered hands-on assistance to customers, assessing needs, and maintaining current knowledge of consumer preferences.
- Assisted in recruiting, interviewing, hiring, and onboarding of new employees to maintain adequate staffing levels.
Education
High School Diploma -
Dixie M. Hollins High School
Kenneth City, FL06.1996
Skills
- Leadership Qualities
- Compliance knowledge
- Customer Service
- Problem-Solving
- Technical aptitude
- Teamwork and Collaboration
- Loan Originator
Certification
NMLS # 617005
Timeline
Universal Associate / Business Developer
Third Federal Savings and Loan
03.2006 - 03.2024
Assistant Manager
First Community Bank of America
02.2001 - 02.2006
High School Diploma -
Dixie M. Hollins High School
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