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 -
01.1991
Some College (No Degree) - Mortgage Banking
References
References available upon request.
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