Stephanie Morris
Financial Services
Sylacauga,AL
Summary
Offering background in financial principles and client service, combined with strong analytical and communication skills, eager to develop in financial environment. Contributes ability to learn quickly and adapt to new financial systems and protocols. Ready to use and develop analytical and interpersonal skills in financial role.
Overview
15
15
years of professional experience
Work History
Personal Banker/Bank Loan Officer
Regions Bank
06.2024 - 10.2025
- Analyzed customer needs to determine optimal banking solutions.
- Converted prospects into signed customers through effective engagement strategies.
- Collaborated with in-house experts to manage client referrals.
- Ensured strict adherence to banking policies and procedures across all operations.
Assistant Branch Manager
1st Franklin Financial
09.2023 - 05.2024
- Supported Branch Manager in daily operations, managing multiple accounts and controlling delinquency rates.
- Oversaw customer service standards to enhance client satisfaction and retention.
- Executed operational functions, including processing loan applications, managing financial tasks, and balancing cash drawer.
- Conducted credit analysis and verification for loan applicants, fostering branch growth through profitable relationships.
- Resolved complex customer inquiries using critical thinking skills while ensuring accuracy in financial tasks.
- Maintained knowledge of underwriting principles for consumer loans, ensuring compliance with internal policies.
Branch Manager/Business Office Director
Community Credit of Leeds
04.2023 - 08.2023
- Spearheaded branch operations by setting strategic direction, managing risk, and leading all lending activities to ensure profitability and stability.
- Implemented comprehensive staff training and self-auditing procedures, fostering a culture of continuous compliance and accountability, which improved operational efficiency and reduced internal audit findings. (Coaching Others, Operational Functions)
- Oversaw all day-to-day operations with a strong focus on Credit Analysis and Verification, reviewing applications, conducting detailed financial analysis of customer status, and utilizing Decision Making and Critical Thinking skills to approve or reject loan requests. (Knowledge of Underwriting)
- Managed financial and administrative functions, including budget planning, expense management, accounts payable, and payroll verification, ensuring high Accuracy and Attention to Detail across all financial records and compliance with internal policies. (Managing Multiple Priorities)
- Managed daily operations and workflow of branch activities.
- Supervised staff training and development programs for team members.
- Ensured compliance with financial regulations and company policies.
- Resolved escalated customer complaints in a timely manner.
- Boosted customer base, acquiring new customers and identifying needs to deliver relevant products.
- Created reports summarizing operational performance metrics for senior management review.
- Established and built customer relationships through targeted outreach and initiatives.
- Supported outside sales force in servicing and obtaining new business.
- Reviewed loan applications to ensure accuracy and compliance with regulations.
- Complied with company policies and government regulations to prevent and detect rule violations and protect organization from fines and lawsuits.
- Completed month-end and year-end closings, kept records audit-ready and monitored timely recording of accounting transactions.
- Coordinated approval or rejection of lines of credit or commercial, real estate or personal loans.
- Coordinated budget planning and financial reporting for the office.
- Reconciled bank statements monthly to ensure accuracy of account balances.
- Oversaw daily activities in the business office, such as budgeting, forecasting, cash flow management, cost control, and revenue analysis.
- Monitored accounts receivable, advising of delinquencies or other account irregularities.
Branch-Office Manager/Consumer Loan Specialist
One Main Financial
10.2022 - 04.2023
- Managed multiple priorities by leading branch operations, staff performance, and balancing exceptional customer service with financial targets and regulatory compliance.
- Utilized Coaching Others and motivational skills to ensure the team met business objectives, overseeing daily operations while strictly adhering to company policies and procedures (Operational Functions).
- Built trusting customer relationships by applying Knowledge of Underwriting principles, consulting on financial needs, accurately explaining loan options, and ensuring high Accuracy and Attention to Detail in all product explanations.
- Managed all collections activities and applied Credit Analysis and Verification skills when consulting with customers regarding past-due accounts, making critical decisions regarding payment plans and risk mitigation.
- Analyzed financial statements to determine applicants' creditworthiness and risk factors.
- Utilized underwriting software to streamline application processing and documentation.
- Conducted detailed reviews of loan applications to determine creditworthiness and risk levels.
- Oversaw daily branch operations ensuring compliance with company policies.
- Managed staff scheduling to optimize team performance and customer service.
- Managed and inspired team members to perform to full potential, driving branch profitability.
- Built strong rapport with new and existing clients to better serve financial needs and promote branch loyalty.
- Oversaw receiving and organizing correspondence, answering and forwarding calls and creating business letters and records.
- Managed office budget to handle inventory, postage and vendor services.
Education
General Diploma -
Coosa County Central High School
Rockford, ALSkills
- Data entry and typing
- Financial Analysis & Strategy management
- Underwriting principles
- Financial documentation
- Customer relationship management
- Loan application & processing expertise
- Credit assessment & analysis
- Customer & consumer financing
- Account management
- Verbal and written communication
- Risk assessment
- Budget & financial planning
AWARDS
Chairman's Forum Award in 2019 and 2020. This was for my achievements for highest return on assets, highest profit, lowest delinquency, highest insurance sales and most auto plus sales. I am highly efficient in using resources to generate profits. In 2021 I was runner up for the Chairman's Forum Award.
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Timeline
Personal Banker/Bank Loan Officer
Regions Bank
06.2024 - 10.2025
Assistant Branch Manager
1st Franklin Financial
09.2023 - 05.2024
Branch Manager/Business Office Director
Community Credit of Leeds
04.2023 - 08.2023
Branch-Office Manager/Consumer Loan Specialist
One Main Financial
10.2022 - 04.2023
General Diploma -
Coosa County Central High School