Summary
Overview
Work History
Education
Skills
References
Contact
Baking, Decorating, and Outdoor Camping
Timeline
Tammy Henderson

Tammy Henderson

Experienced Loan Officer
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

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.

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 $11MM in Consumer Lending while Managing Managed 200 client portfolios while assisting Commercial Lenders in 16 Markets
  • Skilled in Small Business and CRA Lending to address community needs.
  • Analyzing and evaluating 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 Banks.
  • 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.

Education

Highschool -

Skyline
01.1991

Some College (No Degree) - Mortgage Banking

North Lake College

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

References

References available upon request.

Contact

302 Ontario Loop Sunnyvale, TX 75182

Cell: (214) 437-8749

Baking, Decorating, and Outdoor Camping

I love utilizing my spare time to bake for my family, church events, and members. It's a passion and a love I have of celebrating and bringing friends and family together. I've always had a keen eye for putting decor together and designing rooms to provide that perfect cozy escape. Anytime my family and I can get outdoors and explore nature through fishing, hiking, and camp fires I am there. 

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

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