Tilesha Johnson Gardner
Mobile
Summary
Branch Sales Manager experienced in driving branch sales and managing teams while developing strategic plans. Achieved business growth through innovative marketing strategies and a focus on customer relationship management, emphasizing sales productivity and customer satisfaction. Demonstrated strong leadership in finance, sales, and management environments, leveraging advanced skills in Microsoft Office, Excel, and data analysis.
Overview
22
22
years of professional experience
Work History
Loan Operations Specialist
22nd State Bank
Mobile
04.2025 - Current
- Reviewed documentation to ensure compliance with federal regulations and bank policies.
- Processed loan applications efficiently and accurately for various loan types.
- Coordinated with underwriters to clarify loan requests and resolve discrepancies.
- Prepared disbursement requests, funded loans, and updated customer accounts in the system.
- Maintained accurate records of all loan transactions for auditing purposes.
- Maintained detailed records of loan transactions in the bank's management system.
- Collaborated with team members to streamline operational workflows and enhance service delivery.
- Collaborated with team members to originate, fund, close, service, renew, or modify loans.
- Ensured timely delivery of funds according to established procedures.
Loan Specialist
RP Professional service /Contractor - Department of Treasury
Remote
04.2022 - 04.2025
- Determine financial responsibility of borrowers and/or guarantors following detailed financial analysis.
- Assessed financial responsibility of borrowers and guarantors through detailed financial analysis.
- Negotiate with borrowers and /or third parties to obtain satisfactory resolution in adversarial situations.
- Conduct investigations and analyses in preparing a variety of servicing, collection, and liquidation actions.
- Initiate and sign as recommending official actions including charge-off, deferment, due date change, extension of maturity, payment modification, return to servicing, referral to liquidation.
- Respond to demands of payoff from escrow companies and research requests for reconveyance on previously paid loans to prepare documents.
- Prepare releases for borrowers and notice of fully paid account where certified funds are received.
- Contacted banks and borrowers regarding delinquent loans to identify underlying issues and proposed solutions to approving staff.
- Contacted borrowers by telephone to remind them of upcoming payment deadlines and clarify any questions.
- Utilized computer skills to input disaster survivor information, manage correspondence, and navigate database for data retrieval and input.
Loan Specialist
Highlight Technology / Contractor Small Business Administration
Birmingham
01.2021 - 04.2022
- Analyze financial statements of obligors and endeavors to determine their prospects for continued payment on consumer and commercial loans in connection with modifications of payments or other loan terms. Works closely with financial institutions and other commercial entities.
- Reviews routine and standard consumer and commercial loan documents and determines SBA's rights in the collateral. Inventories collateral to assure that all pledged property is available, or duly accounted for. Obtains appraisals and liquidating value of the inventoried property.
- Prepares written recommendations for charge off actions on consumer and commercial loans where all collateral has been disposed of or where SBA determines that further liquidation of collateral is not economically feasible.
- Reviews charge off consumer and commercial and disaster loans that are subject to periodic review to endeavor to discover assets that may be available.
- Investigates and determines financial responsibility of obligors who may be liable for payment of indebtedness for use in connection with recommending collection procedures, or legal action to enforce payments.
- Answered verbal and written requests from bank and borrowers and other financial institutions concerning payments on loans, interest rates, loan balances, terms conditions, and other credit information; is mindful of Freedom of Information and Privacy Acts when responding to such requests.
- Prepared and emailed a variety of correspondences: payoff demand letters; the requirements letters for workouts, offers in compromise, releases of lien, subordinations, substitutions of collateral, assumptions.
- Review and analyze servicing requests in term of financial condition of the borrowers and the implication the request have on the interest of SBA if they are approved.
- Service of Disaster Loans which includes processing payments and repayment options.
- Serves as a liaison for SBA and Dept. of Treasury for all charged-off SBA loans, including disaster, 7a, 504 and microloan programs by providing proof of debt to Treasury and responding to debt disputes by borrowers at Treasury.
- Monitored bankruptcy filings to ensure compliance with applicable collection laws.
- Responded to wage garnishment hearing for loans active at Treasury.
- Prepare releases for borrowers are notices of fully paid accounts where certified funds and received.
- Advised borrowers on workout agreements on defaulted loans prior to referral to Treasury.
- Responded in writing and by phone to a full range of inquiries from borrowers concerning commercial and consumer loan servicing and liquidation to assist in liquidation of delinquent loans.
- Draft written requests from banks and borrowers and other financial institutions concerning loans.
- Service as point of contact on various matters related to loan servicing.
- Initiated and signed as recommending official actions including charge-off, deferment, due date change, extension of maturity, payment modification, return to servicing, referral to liquidation.
- Responded to a variety of customer financial inquiries and provided financial customer service to borrowers and other financial institutions.
- Applied loan closing procedures; and explained specific loan closing documents and conditions to borrowers.
- Review debt compromise offers submitted by defaulted borrowers and guarantors.
- Top performer for 1099 project team deadline December 2021.
Branch Manager
Woodforest National Bank
Mobile
05.2017 - 02.2021
- Administered all operations within the branch office.
- Recruited, hired, trained, and collaborated with financial advisors to strategically plan to grow the book of business.
- Trained staff on new financial products and guided staff in upselling and cross-selling techniques.
- Oversaw the collection process for delinquent accounts by working with attorneys and outside agencies.
- Developed action plans for delinquent accounts by contacting customers, making collections, and negotiating loan extensions.
- Provided service to customers and prospects seeking loans by providing the right loan products that met their needs.
- Networked around the local area to identify and capture new business opportunities.
- Evaluated applications for loans and lines of credit to determine whether customers were suitable candidates for the desired product.
- Oversaw maintenance and retention of existing accounts and opportunities to upsell.
General Sales Manager
Advanced America
Mobile
07.2015 - 05.2017
- Establish and maintain relationships with individual or business customers or provide assistance with problems these customers may encounter.
- Examine, evaluate, or process loan applications.
- Network within communities to find and attract new business.
- Oversee the flow of cash.
- Submit delinquent accounts to attorneys or outside agencies for collection.
- Perform payroll functions, such as maintaining timekeeping information and processing and submitting payroll.
- Collect and deposit money into accounts, disburse funds from cash accounts to pay bills or invoices, keep records of collections and disbursements, and ensure accounts are balanced.
- Supervise other clerical staff and provide training and orientation to new staff.
General Manager
Cato Fashions
Mobile
12.2007 - 08.2015
- Resolve customer complaints regarding sales and service.
- Plan and direct staffing, training, and performance evaluations to develop and control sales and service programs.
- Help customers try on or fit merchandise.
- Maintain records related to sales.
- Open and close cash registers, performing tasks such as counting money, separating charge slips, coupons, and vouchers, balancing cash drawers, and making deposits.
- Watch for and recognize security risks and thefts, and know how to prevent or handle these situations.
- Inventory stock and requisition new stock.
Assistant Manager
Rite Aid Pharmacy
Mobile
01.2004 - 12.2007
- Stock shelves, racks, cases, bins, and tables with new or transferred merchandise.
- Design and set up advertising signs and displays of merchandise on shelves, counters, or tables to attract customers and promote sales.
- Answer customers' questions about merchandise and advise customers on merchandise selection.
- Receive payment by cash, check, credit cards, vouchers, or automatic debits.
- Count money in cash drawers at the beginning of shifts to ensure that amounts are correct and that there is adequate change.
Office Assistant
Bishop State Community College
Mobile
06.2004 - 01.2006
- Operated office equipment, including fax machines, copiers, and phone systems, and arranged repairs for malfunctioning equipment.
- Open, read, route, and distribute incoming mail or other materials and answer routine letters.
- Copied correspondence and other printed materials to support office communications.
- Opened, read, routed, and distributed incoming mail and materials; responded to routine letters to facilitate timely communication.
- Learn to operate new office technologies as they are developed and implemented.
Education
High School Diploma - Advanced Diploma
Mary G Montgomery High School
Semmes, AlBishop State Community College
Mobile, AlSkills
- Branch operations
- Operations oversight
- Market analysis
- Customer relationship management
- Risk assessment
- Data analysis
- Sales goals
- Compliance training
- Loan processing
- Team development
- Team Training
- Team collaboration
- Problem solving
- Effective communication
Accomplishments
Independent Adjuster, Property and casualty including workman comp., Alabama license# 3002140843
Timeline
Loan Operations Specialist
22nd State Bank
04.2025 - Current
Loan Specialist
RP Professional service /Contractor - Department of Treasury
04.2022 - 04.2025
Loan Specialist
Highlight Technology / Contractor Small Business Administration
01.2021 - 04.2022
Branch Manager
Woodforest National Bank
05.2017 - 02.2021
General Sales Manager
Advanced America
07.2015 - 05.2017
General Manager
Cato Fashions
12.2007 - 08.2015
Office Assistant
Bishop State Community College
06.2004 - 01.2006
Assistant Manager
Rite Aid Pharmacy
01.2004 - 12.2007
High School Diploma - Advanced Diploma
Mary G Montgomery High School
Bishop State Community College