DR. STEPHANIE R. RUSHIN, D.C.C.

***** ****** **. *******, ******** 23831

804-***-**** • adzb0w@r.postjobfree.com

Professional Summary

Financial Officer with 20+ years of Corporate Banking and Management experience. Expertise in accounting systems development, fiscal management and financial reporting. Proven record of developing and implementing financial and operational controls that improve Profit & Loss account. Extremely supportive of my Husband during his 20 plus years of Active Military service, by also serving the military community as a Volunteer and Employee.

PROFESSIONAL EXPERIENCE

Blue Ridge Bank, Chester, Virginia 23831 October 2022- Present

Branch Manager

Currently serving as Branch Manager in Blue Ridge Bank as an energetic, dynamic & innovative sales and service-oriented individual. While being responsible for identifying, prospecting and establishing new Blue Ridge clients within a retail environment. Creates awareness of SunTrust products and services. Provides a variety of transactions for customers, including typical teller transactions i.e., cashes checks and processes checking and savings account withdrawals and balancing duties, modifications and amendments of loans. Responsible for training the Branch Staff in achieving the branch's overall profitability. Responsible for assisting the Branch Staff in maintaining internal controls of the branch. Responsible for implementing protocol for Branch Staff in counseling and motivating staff, setting goals, evaluations and for the professional development of branch staff. Support the Branch in the lending activities of the Branch to include overdraft decisions and may include lending authority excluding consumer real estate loans. Demonstrate an exceptional knowledge of Federal Regulations and Bank's Policy related to Branch functions. Supervises all aspects of the branch. Base all decisions on Bank policies, procedures and overall philosophy.

Touchstone Bank, Chester, Virginia 23836 June 2021- May 2022

Branch Manager

As the Branch Manager, I am responsible for delivering the ultimate customer service experience and supporting the development of both the Relationship Bankers and Relationship Tellers. This position is an all-encompassing role which requires the incumbent to engage in sales and service activities by uncovering opportunities to achieve personal and bank wide sales goals and may include lending authority. As Branch Manager I must maintain sound relationships with existing and potential customers within the branch's book of business. I am responsible for creating a positive customer relationship by effectively communicating a clear understanding of the benefits of the Bank's products and services to its customers. I am ultimately responsible in the development and training of branch staff. Performs actions related to evaluation, analysis and negotiations of all banking transactions. Provide excellent customer service. Utilizes techniques to uncover customer needs and match to the Bank's products and services; sell a full range of retail products/services such as deposit accounts, loans, credit cards, and safe deposit boxes to meet established individual goals contributing to branch and bank wide goals. Provides a variety of transactions for customers, including typical teller transactions i.e., cashes checks and processes checking and savings account withdrawals and balancing duties, modifications and amendments of loans. Responsible for training the Branch Staff in achieving the branch's overall profitability. Responsible for assisting the Branch Staff in maintaining internal controls of the branch. Responsible for implementing protocol for Branch Staff in counseling and motivating staff, setting goals, evaluations and for the professional development of branch staff. Support the Branch in the lending activities of the Branch to include overdraft decisions and may include lending authority excluding consumer real estate loans. Demonstrate an exceptional knowledge of Federal Regulations and Bank's Policy related to Branch functions. Supervises all aspects of the branch. Base all decisions on Bank policies, procedures and overall philosophy. Coordinates with preferred customers to resolve any contractual issues pertaining to their document’s reviews on loans, safe deposits, annuities and wealth transfers. May perform joint sales calls with Vendors or Lenders. Refer customers to appropriate business partners or department. This includes but is not limited to consumer real estate, commercial and mortgage lending, cash management, investment, merchant services and insurance. Maintain required documentation to track perspective, ongoing and closed sales. Perform services of Mortgage Loan Originator (MLO). Must comply with the provisions of the Secure and Fair Enforcement for Mortgage Licensing Act (SAFE Act) with regards to MLO registration on the Nationwide Mortgage Licensing and Registry (NMLS). Participate in bank sponsored community activities. Build a working rapport with other departments within the bank. Respond to all calls and emails by the end of the business day. If an answer is not complete, an acknowledgement (call or email) should be made to explain the next steps.

Sun Trust Banks Inc. •Chester, Virginia 23831 • April 2016-December 2019

Assistant Branch Manager/Personal Banker.

Served in SunTrust Bank as an energetic, dynamic & innovative sales and service-oriented individual. While being responsible for identifying, prospecting and establishing new SunTrust clients within a retail environment. Creates awareness of SunTrust products and services. Responsible for maintaining the mission of profitably acquiring, growing, and retaining individual customers who will deepen and expand their financial relationship within retail banking and with other SunTrust lines of business. Provides direction and leadership to branch teammates with emphasis in the following areas:

• Achieving branch and individual sales, service, and referral goals.

• Operating in a team environment where duties will include a mix of financial concepts,, sales/referrals, policies and principles.

• Preparing commitment and obligation documents by verifying the accuracy and appropriateness of documents' accounting data.

• Provides financial management analysis and management systems reporting to area and regional supervisors.

• Processing reimbursable orders, analyzing specific accounts using system tools and reports.

• Maintaining small business and client financial records by establishing an asset and depreciation schedule.

• Monitoring allowable stock items and levels, analyzing specific accounts and reconciling inventory to financial records, and vault audits with impeccable accuracy.

• Performing period closes by preparing month end accruals, reviewing assets, liabilities, revenues, expenses, foreign currency valuations, accrual entries, indirect costs allocation and adjusting entries prior to closing the financial period.

• Championed as the Branch’s second in command in absence of the Branch Manager.

Provides operations oversight; ensures compliance with policies and procedures. Supervises branch teammates by participating in performance reviews, selection, and performance counseling. Ensures compliance with internal controls, operational procedures and risk management policies. As Assistant Branch Manager, I am responsible for sales and service activities that include store prospecting and assisting clients on platform and teller transactions.

Personal Finance Manager. •Fort Lee, Virginia 23801 • March 2016-August 2016

Managed Financial Readiness Class for Soldiers/Family Members

Provides sound financial advice to individuals. Interview clients to determine their current income, expenses, insurance coverage, tax status, financial objectives, risk tolerance, and other information needed to develop a financial plan. Recommend strategies clients can use to achieve their financial goals and objectives, including advice on debt management, cash management, insurance coverage, and investments. Identify and keep abreast of new market trends. Use spreadsheets and market research to back up financial advice. Explain financial assistance available to college students. Review accounts to determine if life changes necessitate new financial strategies. Sell products such as stocks, bonds, and mutual funds. Determine the net worth of an individual or corporation. Oversee the investments and making changes as necessary in order to help the individual or company to gain even more money. Handle customer complaints and resolve problems

Clearr Vission Support Services, INC. • Henrico, Virginia 23150 • June 2015 to March 2016

Director

In collaboration with the Associate Center Director, Support Services Personnel and other Clearr Vission management, uses a solutions-oriented approach to solve personnel issues in a timely manner including performance failures and violation of standards of care or personnel policy. Responsible for establishing systems of accountability for all providers to include productivity benchmarks, performance measures and controls for clinical quality assurance. Documents clinical protocols in a manner that is easily understood and may be followed by all clinical staff. Performs hands-on training of new and developing Clinical practices based on changes in regulatory or best practices. Monitored revenue and monthly expenses to ensure program is managed to meet profitability goals. Monitors and analyzes program budget and expenses and recommends action as appropriate. Collaborates on the development of recruitment goals. Oversees the processing of referrals, intakes, assessments, matching and placement of new clients. Monitors the supports needed for clients to maximize success in the program. Provides consultation and support to Mentors regarding services to individuals receiving services and implementation of service plans. Promotes and markets programs to funding sources, community agencies, families, and related groups. Monitors the availability and efficacy of community-based and other supports required by the program. Develops and maintains working relationships with all individuals, families, funding sources and regulatory agencies, as appropriate, and monitors their satisfaction with services. Oversees clinical and crisis management and establishes emergency response plans. Assigns and Maintains program compliance with Network and regulatory standards for clean, neat, safe living and working environments; notifies maintenance personnel of items requiring attention.

Provides leadership including direct supervision of staff; implements Network employee practices; ensures safety and workers’ compensation initiatives are followed; and ensures employees receive appropriate orientation and training. Monitors and ensures compliance with all regulatory, contractual, corporate, and legal requirements. Completes required documentation and ensures all records are accurate, up-to-date, and in compliance with legal and corporate requirements. Directs and supervises assigned staff, including performance evaluations, scheduling, orientation, and training. Makes decisions on employee hires, transfers, promotions, salary changes, discipline, terminations, and similar actions. Resolves employee problems within position responsibilities

Safe Haven, LLC • Richmond, Virginia 23234 • July 2013 to 2015

Division Chief of Compliance/Consulting

Accomplished compliance human resource strategies by determining accountabilities; communicating and enforcing values, policies, and procedures; implementing recruitment, selection, orientation, training, coaching, counseling, disciplinary, and communication programs; planning, monitoring, appraising, and reviewing job contributions; planning and reviewing compensation strategies. Develops compliance organizational strategies by contributing information, analysis, and recommendations to strategic thinking and direction, establishing functional objectives in line with organizational objectives. Establishes compliance operational strategies by evaluating trends; establishing critical measurements; determining production, productivity, quality, and customer-service strategies; designing systems; accumulating resources; resolving problems; implementing change. Develops compliance financial strategies by estimating, forecasting, and anticipating requirements, trends, and variances; aligning monetary resources; developing action plans; measuring and analyzing results; initiating corrective actions; minimizing the impact of variances. Protects assets by establishing compliance standards; anticipating emerging compliance trends; designing improvements to internal control structure. Avoids legal challenges by understanding current and proposed legislation; enforcing regulations; recommending new procedures; complying with legal requirements. Attracts new clients by maintaining state-of-the-art compliance programs; bringing compliance recognition to the company; providing leadership in the industry. Updates job knowledge by participating in educational opportunities; reading professional publications; maintaining personal networks; participating in professional organizations. Enhances compliance and organization reputation by accepting ownership for accomplishing new and different requests; exploring opportunities to add value to job accomplishments

Time'N'Transit, LLC• Richmond, Virginia 23803 • January 2013-May 2013

Marketing Director/Co-Owner

Developed pricing strategies, balancing firm objectives and customer satisfaction

Identifies, develops, and evaluates marketing strategy, based on knowledge of establishment objectives, market characteristics, and cost and mark-up factors. Evaluates the financial aspects of product development, such as budgets, expenditures, research and development appropriations, and return-on-investment and profit-loss projections. Formulates, directs and coordinates marketing activities and policies to promote products and services, working with advertising and promotion managers. Handles direct hiring, training, and performance evaluations of marketing and sales staff and oversee their daily activities and negotiates contracts with vendors and distributors to manage product distribution, establishing distribution networks and developing distribution strategies.

Chesterfield County Chamber of Commerce •Chesterfield, Virginia 23803 • October 2011-January 2013

Membership Director

Director of Membership Development

Developed and implemented membership and outreach strategy for recruitment of new members and retention of current members. Coordinate, manage, track and evaluate all membership and renewal activities. Develop new programs for members. Work with staff on communicating member needs through website, newsletter, and other communication vehicles. Creates ongoing membership plans with goals and metrics for projects, monitor and reports on progress against goals. Actively participants in staff calls and leadership meetings

Dinwiddie County Chamber of Commerce •Dinwiddie, Virginia 23803 • June 2011-October 2011

Executive Director

Chief Executive Officer

Served as the chief executive officer and administrative officer of the Chamber. Oversees all the functions of the office and organization. Responsible for upholding all Chamber Bylaws, government regulations and policies established by the Board of Directors. Coordinate and implement all activities of the chamber’s projects, committees and task force. Monitor's income and expenditures

American General Finance •Richmond, Virginia 23836 • April 2008-May 2011

Branch Manager

Built solid relationships with customers and employees, develop, manage, and operate a branch

Build sales skills and business development experience. Learn about Springleaf Financial Services; becoming an expert in order to effectively recognize customers' needs and provide solutions

Gain experience with evaluating loan applications, risk analysis, and credit decisions. Learn how to administer loan closings. Perform collections/adjustment activities

Virginia State University Federal Credit Union • Petersburg, Virginia 23803 • November 2004 – March 2008

Executive Loan Officer

Managed Lending Department

Evaluated, authorized, and recommend approval of commercial, real estate, or credit loans.

Advised borrowers on financial status and methods of payments. Built Asset Size by 4.1 million dollars. Analyze applicants' financial status, credit, and property evaluations to determine feasibility of granting loans. Works with other Members performing budget administrative functions in the formulation, execution and review of the non-labor and reimbursable funds.

Independently performs or participates as a key analyst in study of broad scope methods and procedures to improve workflow. Evaluates financial data submitted by subordinate workers for adequacy and projected program requirements to adjust funding levels and makes program recommendations as appropriate. Performs full studies and analysis to support Business Care Analysis (BCA) or Strategic Planning teams to determine compliance with FDIC practices and effective utilization of staff.

Chesterfield Federal Credit Union • Chesterfield, Virginia 23832 • February 2003 – November 2004

Loan Clerk/Loan Officer

Lending Department

Evaluated loan applications and documentation by confirming credit worthiness. Improves loan applications and documentation by informing applicant of additional requirements. Rejects loans by explaining deficiencies to applicants. Approves loans by issuing checks or forwarding applications to loan committee. Completes loan contracts by explaining provisions to applicant; obtaining signatures and notarizations; collecting fees. Helps customers by answering questions, responding to requests. Maintains customer confidence by keeping loan information confidential. Updates job knowledge by participating in educational opportunities; reading professional publications; maintaining personal networks; participating in professional organizations. Accomplishes bank mission by completing related results as needed.

235th Base Support Battalion, Financial Control Branch • Ansbach, Germany 09250 • September 1996 – May 1999

Budget Analyst/ Unit Funds Officer

Served as Budget Analyst for Non-appropriated Fund (NAF) and/or Appropriated Fund (APF) Family and MWR Programs. Served as a facilitator with approving officials. Worked under the supervision of the Financial Manager, while applying cost and pricing rules to ensure they comply with pricing methodology. Consolidated financial performance results and financial/business performance recommendations. Experience serving as a primary expert budget facilitator ensuring the budget meets the requirements of their organization or functional areas, analyzing, consolidating, and communicating financial performance results and financial/business performance recommendations to management. Used automation software/hardware to perform analytical, technical, and administrative tasks required during phases of the budgetary and execution process for assigned operating budgets. Assisted in the development of reporting requirements for the preparation, collection, justification, and submission of budgetary data. Reviews, analyzes, edits, and consolidates budget submissions for assigned activities. Monitors the execution of approved budgets, to include obligations, expenditures and/or income. Assisted with the overall issuance of NAF/APF execution reports and maintaining the financial integrity of applicable databases/financial information. Responsible for cash counts and petty cash. Served as the backup for time and attendance entry. Prepared and submitted Daily Activity Reports (DARs) to NAF Financial Services. Assisted in the preparation of monthly amortization schedules and month end accrual reports.

EDUCATION

Doctoral Degree, Higher Learning Bible Institute International Seminary, Richmond, Virginia, December 2020

Master’s Degree, Higher Learning Bible Institute International Seminary, Richmond, Virginia, GPA 4.0, December 2019

Bachelor’s Degree, Upper Iowa University, Fayetteville, Iowa GPA 3.0, June 2003

Associates Degree, University of Maryland European Division, Ansbach, Germany GPA 3.5, June 1999

Skills

Microsoft Office Suite

SAP Experience (TEWLS, LMS, and GCSS Army)

Contact this candidate