Terri Herbel
Dickinson
Summary
Results-driven banking professional skilled in financial analysis and client advisory. Demonstrated success in managing branch operations, achieving top regional ratings, and enhancing profitability through effective team leadership. Committed to fostering strong community ties and delivering tailored banking solutions.
Overview
1
1
Certification
17
17
years of professional experience
Work History
North Dakota
First Community Credit Union
Bismarck
09.2025 - Current
- Built strong relationships with members, identifying financial needs and offering tailored solutions.
- Cross-sold banking products to enhance overall member financial health.
- Ensured exceptional member experience through timely responses to inquiries across multiple communication channels.
- Maintained accurate records of transactions while resolving member complaints promptly.
- Executed financial transactions, managing deposits, withdrawals, and account updates efficiently.
- Conducted loan origination processes, gathering financial data and determining client eligibility for home equity loans.
- Reported suspicious activities to mitigate potential fraud risks effectively.
- Participated in branch operations and community events to support organizational growth.
Bank Manager
BMO
09.2023 - 09.2025
- Increased total branch deposits by 33% through strong customer relationship building and retention efforts.
- Surpassed 125% of quarterly consumer goal through effective sales initiatives. Surpassed 105% of business banking goal for 2nd Quarter of 2025.
- Achieved top customer satisfaction rating in the region by delivering exceptional service. satisfaction rating in region.
- Led branch operations to enhance profitability and improve customer experience.
- Develop and maintain relationships with individuals, businesses and business partners in the community to drive community engagement, expand bank's visibility and build a strong referral source for potential new business.
- Built and led a high-performing team through coaching, support, recognition, and strategic business development targeting both personal and business banking clients.
- Analyze branch sales, service performance data and market trends to identify sales opportunities and implement strategic action plans.
- Promote and advise on a full suite of financial products, including business and personal accounts, credit products, and cash management tools.
Assistant Branch Manager/Interim Branch Manager
Bank of the West
08.2022 - 09.2023
- Managed daily branch operations, including supervision of sales employees, loans, credit card applications, cash management, vault management, and fraud detection.
- Opened and serviced both personal and business accounts; initiated and performed needs assessments and advised clients on bank solutions, tailored lending and deposit solutions.
- Initiated outreach to potential business clients, resulting in increased branch growth opportunities.
- Interviewed, hired, onboarded, trained, and coached staff to meet operational, compliance, and customer service goals.
- Reviewed bank goals and identified strategies to enhance performance numbers.
- Assisted with conversion of Bank of the West locations to BMO, managing integration of duties under unified BMO operations.
Loan Processor
ENG Lending
06.2021 - 08.2022
- Prepared and processed mortgage files from application through closing, collaborating with underwriters and third parties to resolve conditions efficiently.
- Calculated borrower income for lending approval, resolved underwriter conditions, ordered title/appraisals, and scheduled closings while ensuring compliance standards.
- Communicated consistently with clients and third parties, facilitating a smooth and transparent loan experience.
Personal Financial Representative
Western Cooperative Credit Union
01.2010 - 05.2021
- Engaged with existing members and prospective customers to assess financial needs and recommend tailored banking solutions.
- Handled full-cycle lending for personal and small business clients, including reviewing applications, credit reports, income verification, evaluation of collateral, underwriting, approval based on internal criteria and closing.
- Boosted consumer loan origination by 32% to improve overall portfolio performance and drive growth.
- Performed Home Equity and Home Equity Lines of Credit Lending: discussed lending options, accepted applications; ordered appraisals, title work and credit reports; reviewed credit reports and documents, ensured documents were in order to accurately and in a timely manner close the loan.
- Opened business and personal accounts, processed payments, advised on lending options, mediated member concerns, developed service plans, informed members of promotions, and surveyed to ensure satisfaction.
- Grew total Branch deposits by 25% in 2022 focusing on customer relationships and retention.
- Served families managing deceased member estates by assisting in obtaining necessary documentation to close accounts compassionately.
- Monitored fraud detection to include CTR reporting, chex system reporting OFAC reviews on transactions & BSA compliance monitoring.
Education
Associate of Applied Science - Practical Nursing
Dickinson State University
Dickinson, NDDickinson, ND
Associate of Applied Science - Dental Assisting
North Dakota State College of Science
Wahpeton, NDWahpeton, ND
Skills
- Financial analysis
- Relationship management
- Client advisory
- Team leadership
- Operational management
- Problem solving
- Time management
- Adaptability and flexibility
- Effective communication
- Calm under pressure
- Dependability and responsibility
- Conflict resolution
- Microsoft Office proficiency
- Communication skills
Certification
- Nationwide Multi State Licensing System & Registry (NMLS), #1073175
- Notary Public, ND
Community Service
- Dickinson Chamber of Commerce
- Badlands Board of Realtors
- Amen Food pantry
- Dream Center Volunteer
- Ministry on the Margins
Timeline
North Dakota
First Community Credit Union
09.2025 - Current
Bank Manager
BMO
09.2023 - 09.2025
Assistant Branch Manager/Interim Branch Manager
Bank of the West
08.2022 - 09.2023
Loan Processor
ENG Lending
06.2021 - 08.2022
Personal Financial Representative
Western Cooperative Credit Union
01.2010 - 05.2021
Associate of Applied Science - Practical Nursing
Dickinson State University
Associate of Applied Science - Dental Assisting
North Dakota State College of Science