Karen L. Smith-Monroe ad09t2@r.postjobfree.com

**** **** ***** ***** *********, FL 33578. 301-***-**** NMLS# 1782156

SUMMARY OF QUALIFICATIONS

Results-oriented professional with nearly 20 years of management and finance experience in corporate banking, and financial industries. Proven ability in devising and implementing financial systems, strategies, processes, and controls that significantly improve P&L scenarios. Extensive experience with strong decision-making, supervision, and leadership skills with the ability to delegate, solve problems, prioritize, and meet tight deadlines without compromising quality. Experience in consistently maintaining strong rapport with clients, financial institutions, and certain other business to build and maintain effective working relationships.

One Main Financial Clearwater, FL

Sr. Consumer Loan Sales Specialist February 2021-Present

• Work applications in que and take applications from applicants over the phone. Gathered and examined documents (paystubs, financial statements, tax returns etc.) from customers to help me make solid credit decisions.

• Utilized credit underwriting techniques and sales tools to make sound credit decisions.

• Process, close and disburse titled collateral loans, including purchases from lease companies or individuals refinances from other lending institutions and purchases from dealerships.

• Process, close and disburse range of personal loans, including secured and unsecured loans

• Performed the closing of the loans in branch and remotely, then handled the funding of the loans by ACH, speed funds or paper check.

• Presented financial solutions, based on customer needs, to help them meet their goals.

• Presented customers with optional insurance products that would help them overcome life events.

• Educated customers on the terms and conditions of their loan to ensure clear understanding

• Developed new relationships and maintained existing relationships - worked with customers throughout the loan process and loan life cycle.

• Clear fraud that appears on the application by following fraud policy.,

• Handled large volume of inbound calls, servicing customers while making credit decisions on loans in the que, meeting the time requirements.

• Managed the life cycle of the loan, including collections activities, complying with all laws and regulations.

• Partnered with local businesses to seek out and develop new customers. Synovus Bank Wesley Chapel, FL

Senior Relationship Banker May 2018-May 2019

• Responsible for day-to-day management of the branch operations to ensure efficiency and compliance with operational and security policies.

• Provided guidance and training to branch personnel on operating problems, handling of exceptions, adjustments, and sales.

• Developed relationship banker’s staffing schedule.

• Helped the Branch Manager in resolving personnel problems, including hiring, scheduling of employees’ hours and rating performance.

• Engaged customers in needs assessment conversations that transitions to a closing product solution sale. Actively pursued customer and non-customer new business by making proactive phone calls to customers/prospects.

• Made sure the physical maintenance of the branch was attractive, functional, and well maintained.

• Interviewed consumer and small business loan applicants to identify loan opportunities by having a detailed conversation. Recommended the right loan option, processed the loan application, gathered all documents to support the loan, discussed the loan decision based on the credit report and loan officer’s decision and closed loans.

• Generated monthly reports for review: teller outages, teller cash, teller transactions, overdraft charge off, etc.,

• Knowledgeable of bank products and services and proficient at opening and processing new demand and time deposit accounts including passbook accounts, IRAs, certificates of deposit, and money market accounts. Issued counter checks, performed change of address, redeemed savings bonds, conducted money transfers, provided access to safe deposit boxes, received loan payments, and sells/buys foreign currency. Monitor account files and update customers upon maturity of fixed, time-based instruments. Followed established policy and procedures ensuring accounts are opened accurately and timely. Performed Teller credit and debit transactions as needed. Followed established policy and procedures resulting in minimal cash outages and cash item losses.

• Managed the branch in the absence of the Branch Manager.

• Participated in daily kick-offs/huddles and weekly sales meetings. Champion products as assigned and shares specific product information and sales tips. Achieves 100% usage of sales management tracking system to enter sales, send referrals, track referrals, and monitor activities and goals.

• Knows and followed Branch Operations Standards. Followed business code of conduct, compliance and regulatory guidelines and policies, and PFP updates. SunTrust Bank, Inc. (Now Truist) Waldorf, MD/Tampa, FL Assistant Branch Manager/Personal Banker 4 May 2007 – May 2018

• Supervised the day-to-day operational functions of the branch including overseeing teller and customer service duties.

• Approve customer and bank transactions within authority limits.

• Perform audits to identify & mitigate operational risk and ensure ongoing adherence with compliance procedures.

• Knowledge of all banking: products: all deposits, business, and consumer loan products.

• Maintained proper teller and vault cash levels including ordering coin and currency.

• Responsible for general maintenance of the facility. Ensure that all security procedures were strictly followed, branch is operationally sound, and satisfactory audits were achieved.

• Collaborated in hiring, training, and retention of staff, supervised, coached, and developed staff.

• Responsible for growing customer base; consumer and business relationship through internal and external marketing programs. Developed and grew business and consumer relationships

• Maintained good public relations with consumers and the community. Assumed community leadership and service responsibilities with focus on Community Reinvestment Act.

• Knowledgeable of bank products and services and proficient at opening and processing new demand and time deposit accounts including passbook accounts, IRAs, certificates of deposit, and money market accounts. Issued counter checks, performed change of address, redeemed savings bonds, conducted money transfers, provided access to safe deposit boxes, received loan payments and sells/buys foreign currency. Monitor account files and update customers upon maturity of fixed, time-based instruments. Followed established policy and procedures ensuring accounts are opened accurately and timely. Performed Teller credit and debit transactions as needed. Followed established policy and procedures resulting in minimal cash outages and cash item losses.

• Interviewed consumer and small business loan applicants to identify loan opportunities by having a detailed conversation. Recommended the right loan option, processed the loan application, gathered all documents to support the loan, discussed the loan decision based on the credit report and loan officer’s decision and closed loans.

• Opened and closed Branch as needed.

• Conducted Monday morning meeting with staff to provide the bank’s weekly focus and collect the staff’s commitments to reach branch goals. Performed Teller Coordinator duties when staffing was short.

• Supervised, trained, coached, and developed staff regarding service expectations, policies, procedures, systems, and banking transactions.

• Recommended the best loan program for each applicant based on a deep conversation then submitted application, prepared loan documents for closing, obtained required signatures and ensured loan funding.

CitiFinancial Columbia, MD

Manager / Credit Buyer (45 Dealerships) September 2006 – May 2007

• Educated dealership Finance Managers and General Managers on available CitiFinancial Programs.

• Made credit decisions for potential customers by reviewing one or two of the three credit bureaus.

• Issued rate and term for financing based on customer’s credit and CitiFinancial’s worthiness program.

• Explained and/or rehashed finance deals with the Manager at the dealership. Reviewed several financial reports to collect data on how much businesses potential was committed to CitiFinancial.

Fitzgerald Wheaton Dodge-Suzuki Wheaton, MD

Finance Manager June 2004 – August 2006

• Obtained and analyzed customer’s credit and submitted analysis to finance sources for approval. Often called upon to rehash deals, when needed, with finance sources to get deals approved.

• Planned, organized, and controlled activities within the finance department. Facilitated the production of revenue for the dealership through the sale of financing, credit life, and accident/health insurance.

• Experienced in training finance personnel, which resulted in consistent monthly increases in gross profit.

• Experienced in training finance personnel, which resulted in consistent monthly increases in gross profit.

• Prepared monthly budgets and financial statements and forecasted financial goals for each quarter to maintain the dealership’s profitability and established detailed procedures to streamline operations.

• Made improvements in incentives, goals, and employee performance to improve quality and to drive sales.

• Developed a wide range of new incentives for the dealership to quickly increase market penetration.

DaimlerChrysler Services., LLC Columbia,

MD

Dealer Credit Supervisor – Audit Department July 2002 – May 2004

• Supervised and closely coordinated monthly audit schedule for six field auditors who performed wholesale inventory and financial audits of automobile dealerships in WA, DC, WV, VA, DE, and PA.

• Communicated with general managers and finance managers of each dealership to discuss discrepancies requiring immediate resolution. Conducted follow-up audits to clear up all issues within 14 days.

• Audit responsibilities included: scheduling and coordinating inventory and financial audits as well as reviewing audit reports for detail/accuracy to identify trend issues affecting dealership profitability.

• Monitored and analyzed the financial statements of dealerships with $100+ million worth of inventory.

Retail Credit/Financial Analyst April 1999 – July 2002

• Analyzed credit reports of potential customers purchasing a vehicle, which included: analysis of debt-to-income ratios, employment history verification, and overall credit worthiness. Conducted analysis of consumer retail contracts, which entailed calculating interest rates, cost of vehicle, and all surcharges.

EDUCATION

St. John’s University – B.A. in Speech Pathology and Audiology Jamaica Estates, NY PROFESSIONAL TRAINING/CERTIFICATION

Retail Credit Analyst, October 2000 (40 Hours)

How to Provide Excellent Customer Services (40 Hours) Effective Communication Skills, June 2000 (24 Hours) The Nationwide Mortgage Licensing System (NMLS)

Florida Notary

COMPUTER SKILLS

Microsoft Office (Word, Excel, PowerPoint, Outlook)

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