PENNY M. HAMILTON

** ******* **** **., *** Orleans, LA 70131 * 504-***-**** * adyir5@r.postjobfree.com

A talented Banking Professional with exceptional analytical skills, detail oriented with attention to detail and the ability to multi-task in challenging environments.

SUMMARY OF QUALIFICATIONS

Possess the drive, resourcefulness and ability to thrive in challenging environments. To utilize superb critical thinking and analytical skills in providing innovative solutions to existing or emerging problems.

Comprehensive knowledge of analyzing financial statements, tax returns, credit reports, asset documentation, debt-to-income ratios and loan to value analysis.

Provides exceptional analytical and judgmental skills to underwrite a loan request.

Results oriented, versatile professional with a solid work ethic and natural leadership capabilities to support overall organizational goals for growth and profitability through effective market share capture.

Proven track record of delivering unparalleled service to every client and using cutting edge solution selling techniques that result in significantly higher sales from the field.

Exceptional communication, interpersonal and negotiation skills, professional presentation and client relations building abilities that result in consistently increased sales and customer base.

Focus on bottom-line profitability by monitoring and ensuring performance aligns with overall organizational goals. Solid history of achievement for meeting or surpassing established goals.

Comprehensive knowledge of all federal and banking laws including, but not limited to Reg Z, RESPA, ECOA, HMDA, CRA, Reg DD and Reg CC.

Strong knowledge of bank policies and procedures.

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PROFESSIONAL EXPERIENCE

Retail Relationship Manager/ October 2010/Present

Loan Officer

FIDELITY BANK New Orleans, LA

Responsible for lending efforts and deposit gathering along with offering other bank products.

Structure loan to comply with acceptable lending practices and Federal regulations.

Outline loan terms and conditions and informs the borrowers of loan commitment.

Prepare files for underwriting and prepare loan request summary for Second Review Committee.

Make sales calls on potential and existing customers to help achieve bank loan deposit and non-interest goals.

Establish and implement marketing strategies to increase business.

Network through professional business and community organizations, advocates and centers of influence to promote goodwill and market bank products.

Cross sell partnership services such as commercial loans and investments.

MORTGAGE LOAN OFFICER December 2009 – October 2010

JP MORGAN CHASE BANK New Orleans, LA

Maintained a $1.5MM - $2.0MM pipeline by obtaining mortgage loans from referral sources including but not limited to bank branch customers, existing clients and realtors using sound judgment and effective marketing and promotional techniques.

Assessed and evaluated customer’s financial needs to build strong relationships with customer by following up on a regular basis.

Determined and recommended financial product and service solutions for customers based on the analysis of customer finances and customer’s needs and objectives.

Maintained relationships by providing superior customer consultation, advice, counseling and service.

Marketed and promoted the financial products and services offered by the Bank.

MORTGAGE ORIGINATOR March 2005 to May 2007

AMERICAN HOME MORTGAGE Mandeville, LA

Sustained a monthly pipeline and grew new business from agents totaling $500,000 - $1 million per month in new applications amid the New Orleans market.

Cultivated external business partnerships in the market including realtors, builders, appraisers and financial advisors.

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Coordinated and led training and sales meetings encompassing 15 attenders monthly.

Established a detailed marketing and business plan including potential and existing realtors, builders, developers and frequency of contact leading to increased profitability.

Facilitated sales calls on potential and existing referral partners to develop new and retain existing business.

Conducted and implemented marketing strategies for First Time Homebuyer seminars, For Sale by Owner contacts and Realtor Product training seminars in an effort to be viewed as a trusted financial advisor.

MANAGER/CREDIT ANALYST/AVP May 1990 to November 2000

BANK ONE/FIRST NBC New Orleans, LA

Analyzed credit date and financial statements to determine the degree of risk involved in extending credit.

Supervised a staff of eight in the credit analyst and review department.

Attained ranking in the “Top 10” of Sales Representatives.

Analyzed and identified customer needs and applied solution sales tactics to close new business.

Maintained an up to date working knowledge of complete line of products and services offered including bank lending regulations and policies.

Recognized with “Sales Achiever” award four years in a row for outstanding sales.

Maintained a working relationship with other lines of business to offer the best cross-sell opportunities.

EDUCATION AND TRAINING

BACHELOR OF SCIENCE

XAVIER UNIVERSITY OF LOUISIANA New Orleans, LA

Area of Study: Marketing/Accounting

ADDITIONAL TRAINING AND PROFESSIONAL ASSOCIATIONS

Proficient in Decision Pro and Encompass

Member of the National Association of Professional Mortgage Women

Member of BNI Opportunity

Proficient in Microsoft Word, Excel and PowerPoint

Credit Analyst Training

Bank Rules and Regulatory training

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