Overview
Work History
Timeline
Summary
Skills
Work Availability
Education
Websites
References
Tammy Henderson

Tammy Henderson

Sunnyvale,TX
If you don't like something, change it; if you can't change it, change the way you think about it.
Mary Engelbreit

Overview

28
28
years of professional experience

Work History

SVP - Concierge Banking Lender

Encore Bank
Dallas, Texas
06.2021 - 01.2025
  • Played a key role in setting up Encore Bank's retail branch in Dallas, achieving project completion in 15 months.
  • Ensured adherence to bank procedures, internal controls, and risk management.
  • Consistently cross-sold banking services to achieve sales targets.
  • Built and led Consumer Lending Group in Texas Market with six locations.
  • Responsible for over $11 million in consumer lending while managing 200 client portfolios and assisting commercial lenders in 16 markets.
  • Skilled in Small Business and CRA Lending to address community needs.
  • Analyzing and evaluated loan applications from potential borrowers and processed loan applications by inputting customer information and income into loan software system
  • Evaluated financial documents including income statements, asset reports, Verification of Employment, and credit reports to ascertain eligibility and loan amount.
  • Evaluated applicant creditworthiness to recommend loan approvals.
  • Developed rapport with customers by elucidating loan possibilities, stipulations, and associated risks.
  • Clarified application requirements to borrowers.
  • Negotiated loan terms including interest rates and repayment schedules with borrowers.
  • Ensured completeness and precision by thoroughly organizing loan documentation.
  • Coordinated with underwriters and colleagues to obtain additional documentation necessary for loan processing, approval, and disbursement.
  • Facilitated loan closings with customers, loan officers, and title companies.
  • Maintained updated knowledge of the latest lending regulations and guidelines.
  • Addressed inquiries, concerns, and complaints about loans and deposit accounts.
  • Supported loan officers in managing the loan application process from start to finish.
  • Reviewed loan documents for accuracy and policy compliance.
  • Order title searches, inspections, appraisals, Verification of Employment, and credit reports
  • Filed mortgages, UCCs, extensions, modifications and direct liens through county and state offices.
  • Managed executive and administrative office functions.

SVP - Office Manager

Encore Bank
Dallas, Texas
10.2020 - 12.2022
  • Contributed to the establishment and design of retail operations at Encore Bank's Dallas Office, completed in 15 months.
  • Ensured branch adherence to bank regulations, internal protocols, and risk management guidelines.
  • Cross-sold diverse banking services to achieve sales targets.
  • Collaborated with commercial and treasury partners to support comprehensive client onboarding process.
  • Guided team in handling products, systems, and banking transactions.

VP - Retail Banking Area Manager | Branch Manager III

Iberia Bank
Dallas, Texas
12.2016 - 10.2020
  • Oversaw team operations while leading management efforts at two locations of Iberia Bank.
  • Led and cultivated high-performing team through staffing, training, coaching, and development.
  • Engaged total team participation in formulating sales and service objectives.
  • Managed comprehensive bank operations processes for retail banking products including credit and consumer loans.
  • Cultivated key customer relationships through targeted sales and referrals for Commercial and Small Business clients.
  • Collaborated with Commercial and Private partners to manage complete client onboarding process.

Banking Center Manager I - AVP

Amegy Bank
Dallas, Texas
05.2008 - 12.2016
  • Responsible for the retention and growth of sales by uncovering new opportunities to grow Deposits, Loans, and Partnership Referrals
  • Expanded client base by networking within the community.
  • Consistently met deadlines under pressure to achieve sales targets.
  • Delivered top-notch customer service to both internal and external customers.
  • Collaborated with Business Partners to open new accounts.
  • Successfully led and mentored staff on service expectations, policies, procedures, products, systems and banking transactions.
  • Develops professionals by implementing strategic training and coaching initiatives.

Assistant Branch Manager

Comerica Bank
Dallas, Texas
08.2004 - 05.2008
  • Managed entire scope of branch activities including sales growth, staff efficiency, business expansion and enhanced customer experience.
  • Supervised platform and teller employees to achieve sales goals.
  • Facilitated account opening and maintenance for various Business Units.
  • Provided expert advice to clients on borrowing options.
  • Facilitated staff development through targeted guidance.

Assistant Branch Administrator/Personal Banker

Comerica Bank
Dallas, Texas
08.1996 - 08.2004
  • Managed the routine operations while ensuring staff supervision for three tellers.
  • Analyzed new account activities and daily deposits, effectively preventing potential losses.
  • Maintained adherence to all bank compliance and regulations by staff.
  • Supported Branch Manager in the initiation of new accounts, Consumer/Business Loans, and referrals to business partners.
  • Organized quarterly sessions on new regulations update and compliance.

Timeline

SVP - Concierge Banking Lender - Encore Bank
06.2021 - 01.2025
SVP - Office Manager - Encore Bank
10.2020 - 12.2022
VP - Retail Banking Area Manager | Branch Manager III - Iberia Bank
12.2016 - 10.2020
Banking Center Manager I - AVP - Amegy Bank
05.2008 - 12.2016
Assistant Branch Manager - Comerica Bank
08.2004 - 05.2008
Assistant Branch Administrator/Personal Banker - Comerica Bank
08.1996 - 08.2004
Skyline - Highschool,
North Lake College - Some College (No Degree), Mortgage Banking

Summary

With a proven track record at Encore Bank, I spearheaded the establishment of a new branch, demonstrating exceptional leadership and sales expertise. My adeptness in risk evaluation and interpersonal communication facilitated over $11MM in consumer lending, underscoring my ability to exceed sales targets and foster significant client relationships.

Skills

  • Sales Expertise
  • Proven Leadership Experience
  • Risk Evaluation
  • Interpersonal Communication
  • Effective Communication
  • Client Relationship Management
  • Thoroughness in Review
  • Staff Training Expertise
  • Effective Organization Skills
  • Operations Management Expertise
  • Analytical Problem-Solving
  • Financial Data Analysis
  • Prioritization and Scheduling
  • Service Excellence
  • Financial Loan Processing

Work Availability

monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Education

Highschool -

Skyline
01.1991

Some College (No Degree) - Mortgage Banking

North Lake College

References

References available upon request.

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