Tammy Clark-McFadden
New Bloomfield ,PA
Summary
At Orrstown Bank (formally known as PeoplesBank, A Codorus Valley Company), I spearheaded process improvements and optimized procedures, enhancing efficiency and fostering growth. My leadership in training and development, coupled with my expertise in Small Business Administration (SBA) underwriting and eligibility guidelines, processing, documentation and management has enabled the bank to be achieve the highest level of SBA Lending Authority under the Small Business Administration. I've successfully managed department budgets, ensuring financial performance, and cultivated strong customer relationships, leading to increased loyalty and sales. Proactive Department Manager with excellent time management skills to multi-task while working within deadlines and time constraints. Offering over 15 years of hands-on experience in commercial lending operations. Disciplined professional committed to driving sales goals and ensuring smooth functioning of the Small Business Commerical Lending Department.
Overview
8
8
years of professional experience
Work History
SBA Department Manager
Orrstown Bank
03.2016 - Current
- Implemented process improvement to shape organizational culture, optimize procedures for higher efficiency and help company evolve and grow.
- Reduced process bottlenecks by training and coaching employees on practices, procedures, and performance strategies.
- Prepared annual budgets with controls to prevent overages.
- Introduced new methods, practices, and systems to reduce turnaround time.
- Developed and managed department budget to monitor financial performance and minimize expenses.
- Recruited, interviewed and hired employees and implemented mentoring program to promote positive feedback and engagement.
- Maintained positive customer relations by addressing problems head-on and implementing successful corrective actions.
- Assisted in organizing and overseeing assignments to drive operational excellence.
- Established performance goals for employees and provided feedback on methods for reaching those milestones.
- Used industry expertise, customer service skills and analytical nature to resolve customer concerns and promote loyalty.
- Established team priorities, maintained schedules and monitored performance.
- Evaluated employee performance and conveyed constructive feedback to improve skills.
- Maintained professional demeanor by staying calm when addressing unhappy or angry customers.
- Defined clear targets and objectives and communicated to other team members.
- Controlled resources and assets for department activities to comply with industry standards and government regulations.
- Successfully managed budgets and allocated resources to maximize productivity and profitability.
- Cultivated positive rapport with fellow employees to boost company morale and promote employee retention.
- Maintained strict confidentiality of bank records and client information.
- Originated, reviewed, processed, closed, and administered customer loan proposals.
- Submitted loan applications to underwriter for verification and recommendations.
- Compiled database of loan applicants' credit histories, financial statements and other financial information.
- Developed systems to efficiently track loan documents and enhance accuracy.
- Developed strong relationships with customers through high levels of customer service.
- Reviewed and edited loan agreements to enhance clarity and monitor compliance with requirements.
- Examined customer loan applications for loan approvals and denials.
- Assisted customers in understanding loan terms and conditions to make informed decisions.
- Collaborated with other departments to promptly process loan applications.
- Monitored performance of existing loan portfolios to identify and address any issues.
- Supervised loan personnel and motivated to maintain customer service and performance standards.
- Compiled closing packages for drafting and presentation accuracy.
- Assisted customers with completing loan applications and other paperwork.
- Evaluated loan requests and documents to verify accuracy and completeness.
- Negotiated loan terms and conditions with customers to secure best deal.
- Created strategies to develop and expand existing customer sales, resulting in increase in annual sales.
- Researched and updated industry knowledge on changing legislation and regulations.
- Identified opportunities to cross-sell and upsell loan products to customers.
- Established plans and payoffs for customers' loans, prioritizing control of overall costs.
- Processed loan applications and monitored progress from start to finish.
- Approved loan applications based on customer creditworthiness and provided detailed financial advice.
- Assessed loan portfolios for compliance with underwriting policies.
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
- Analyzed potential risks and evaluated loan products to identify suitable options for customers.
- Developed and maintained relationships with customers, lenders and other third parties.
- Monitored pipelines to track and log status of loans.
- Explained very technical financial information to applicants in easy to understand language.
- Negotiated loan terms to provide favorable outcomes for both customers and lenders.
- Developed and implemented marketing campaigns to attract new customers.
- SBA SOP complainant
- SBA 1502 Report complainant
- Bank Authorizing Official SBA ETRAN / Capital Access Financial System
Commercial Settlement & SBA Department Manager
Metro Bank
12.2015 - 3/15/16
- Accomplished multiple tasks within established timeframes.
- Resolved staff member conflicts, actively listening to concerns and finding appropriate middle ground.
- Evaluated employee performance and conveyed constructive feedback to improve skills.
- Recruited, interviewed and hired employees and implemented mentoring program to promote positive feedback and engagement.
- Established performance goals for employees and provided feedback on methods for reaching those milestones.
- Monitored and analyzed business performance to identify areas of improvement and make necessary adjustments.
- Maintained positive customer relations by addressing problems head-on and implementing successful corrective actions.
- Cultivated positive rapport with fellow employees to boost company morale and promote employee retention.
- Analyzed and underwrote requests for new loans and loan renewals.
- Supported complete and accurate loan file documentation.
- Communicated with customers daily to request information and complete paperwork.
- Assembled important paperwork and disclosures for borrower.
- Liaised with clients to guide through loan closing process and skillfully handle any concerns.
- Assisted with timely loan closing and funding activities with efficient management of task checklists.
- Supported loan processing by compiling applicant documentation such as credit reports, employment verifications, and financial history paperwork.
- Coordinated with realtors and title companies to identify discrepancies and update different teams on processing progress.
- Worked with Loan Officer to create application profile in system and review key information at various stages within process.
- Prepared professional business correspondence on behalf of loan officer to obtain information and facilitate processing steps.
- Monitored key dates to obtain information by deadlines.
- Documented borrower's information in loan processing system and resolved any discrepancies.
- Set up files using loan officer checklist and submitted on-time for processing.
Education
No Degree - Accounting
Cochise College
Sierra Vista, AZ Real Estate License - PA Real Estate Law
Harrisburg Area Community College
Harrisburg, PA05.1999
Several Course Certificates - Small Business Administration Procedures
National Association of Guaranteed Lenders
USA High School Diploma -
Buena High School
Sierra Vista, AZ05.1991
Skills
- Database Management
- Workflow Coordination
- Performance Management
- Customer Service
- Policy Development
- Staff Management
- Sales Reporting
- Strategies and goals
- Training, mentoring and Development
- Regulatory Standards
- Vendor Relationship Management
- Recruiting and Hiring
- Problem-Solving
- Systems and software expertise
- Employee performance evaluation
Timeline
SBA Department Manager
Orrstown Bank
03.2016 - Current
Commercial Settlement & SBA Department Manager
Metro Bank
12.2015 - 3/15/16
No Degree - Accounting
Cochise College
Real Estate License - PA Real Estate Law
Harrisburg Area Community College
Several Course Certificates - Small Business Administration Procedures
National Association of Guaranteed Lenders
High School Diploma -
Buena High School
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