Financial Services Branch Manager

Rachael Carlisle

***************@*****.*** 910-***-****

RACHAEL CARLISLE

**** ******* ** ***** *****, Lousiana, 70810 910-***-**** ***************@*****.***

WORK EXPERIENCE

HEIGHTS FINANCE, JOPLIN, MISSOURI

Branch Manager, May 2014 – Jun 2016

· Analyze applicants' financial status, credit, and property evaluations to determine feasibility of granting loans.

· Obtain and compile copies of loan applicants' credit histories, corporate financial statements, and other financial information.

· Meet with applicants to obtain information for loan applications and to answer questions about the process.

· Explain to customers the different types of loans and credit options that are available, as well as the terms of those services.

· Review loan agreements to ensure that they are complete and accurate according to policy.

· Approve loans within specified limits, and refer loan applications outside those limits to management for approval.

· Handle customer complaints and take appropriate action to resolve them.

· Stay abreast of new types of loans and other financial services and products to better meet customers' needs.

· Review and update credit and loan files.

· Compute payment schedules.

· Analyze potential loan markets and develop referral networks to locate prospects for loans.

· Set credit policies, credit lines, procedures and standards in conjunction with senior managers.

· Work with clients to identify their financial goals and to find ways of reaching those goals.

· Negotiate payment arrangements with customers who have delinquent loans.

· Supervise loan personnel.

· Interview, hire, and train new employees.

· Analyze applicants' financial status, credit, and property evaluations to determine feasibility of granting loans.

· Obtain and compile copies of loan applicants' credit histories, corporate financial statements, and other financial information.

· Meet with applicants to obtain information for loan applications and to answer questions about the process.

· Explain to customers the different types of loans and credit options that are available, as well as the terms of those services.

· Review loan agreements to ensure that they are complete and accurate according to policy.

· Handle customer complaints and take appropriate action to resolve them.

· Stay abreast of new types of loans and other financial services and products to better meet customers' needs.

· Review and update credit and loan files.

· Compute payment schedules.

· Set credit policies, credit lines, procedures and standards in conjunction with senior managers.

· Supervise loan personnel.

· Interview, hire, and train new employees.

MISSOURI LOAN CENTER, JOPLIN, MISSOURI

Branch Manager, Aug 2010 – May 2014

· Analyze applicants' financial status, credit, and property evaluations to determine feasibility of granting loans.

· Obtain and compile copies of loan applicants' credit histories, corporate financial statements, and other financial information.

· Meet with applicants to obtain information for loan applications and to answer questions about the process.

· Explain to customers the different types of loans and credit options that are available, as well as the terms of those services.

· Review loan agreements to ensure that they are complete and accurate according to policy.

· Approve loans within specified limits, and refer loan applications outside those limits to management for approval.

· Handle customer complaints and take appropriate action to resolve them.

· Stay abreast of new types of loans and other financial services and products to better meet customers' needs.

· Review and update credit and loan files.

· Compute payment schedules.

· Analyze potential loan markets and develop referral networks to locate prospects for loans.

· Work with clients to identify their financial goals and to find ways of reaching those goals.

· Negotiate payment arrangements with customers who have delinquent loans.

· Interview, hire, and train new employees.

WALLACE MANAGEMENT

District Manager, Apr 2007 – Aug 2012

· Establish and maintain relationships with individual or business customers or provide assistance with problems these customers may encounter.

· Examine, evaluate, or process loan applications.

· Plan, direct, or coordinate the activities of workers in branches, offices, or departments of establishments, such as branch banks, brokerage firms, risk and insurance departments, or credit departments.

· Recruit staff members and oversee training programs.

· Oversee the flow of cash or financial instruments.

· Approve, reject, or coordinate the approval or rejection of lines of credit or commercial, real estate, or personal loans.

· Analyze applicants' financial status, credit, and property evaluations to determine feasibility of granting loans.

· Review loan agreements to ensure that they are complete and accurate according to policy.

· Approve loans within specified limits, and refer loan applications outside those limits to management for approval.

· Handle customer complaints and take appropriate action to resolve them.

· Set credit policies, credit lines, procedures and standards in conjunction with senior managers.

· Interview, hire, and train new employees.

· Supervise loan personnel.

· Arrange for maintenance and liquidation of delinquent properties.

· Establish and maintain relationships with individual or business customers or provide assistance with problems these customers may encounter.

· Network within communities to find and attract new business.

· Review collection reports to determine the status of collections and the amounts of outstanding balances.

· Prepare operational or risk reports for management analysis.

· Recruit staff members and oversee training programs.

· Review collection reports to determine the status of collections and the amounts of outstanding balances.

EDUCATION

NEO A&M COLLEGE, MIAMI, OKLAHOMA

Completed coursework towards Business Management, Aug 1993 MOUNT OLIVE, WILMINGTON, NORTH CAROLINA

Completed coursework towards Business Management, Aug 2002 ADDITIONAL SKILLS

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