Margaret Robey
Bloomington
Summary
Accomplished Commercial Lending Officer with expertise in credit analysis and client relationship building. Proven track record in streamlining processes to enhance efficiency and client satisfaction.
Overview
10
10
years of professional experience
1
1
Certification
Work History
Commercial Lending Officer
Clear Mountain Bank
Oakland, MD
06.2020 - Current
- Evaluated loan applications to determine creditworthiness and compliance with bank policies.
- Managed client relationships, providing guidance on lending products and services tailored to individual needs.
- Streamlined loan processing workflows, enhancing efficiency and reducing turnaround times for approvals.
- Conducted financial analysis to assess risk and recommend appropriate lending solutions for clients.
- Collaborated with cross-functional teams to develop strategic initiatives aimed at expanding the bank's lending portfolio.
- Implemented customer feedback mechanisms to refine service delivery and enhance client satisfaction levels.
- Ensured adherence to regulatory requirements in all lending transactions, mitigating potential compliance risks effectively.
- Achieved consistent growth in loan originations through proactive outreach and relationship building with prospective clients.
- Managed a diverse portfolio of loans, ensuring timely payments and addressing any delinquencies or issues proactively.
- Developed strong relationships with borrowers, providing exceptional customer service and fostering trust throughout the lending process.
- Maintained a high level of industry knowledge, staying current on market trends and regulatory changes affecting lending practices.
- Implemented innovative marketing strategies to attract new clients and grow existing customer base.
- Enhanced communication between departments through effective collaboration, resulting in streamlined processes and improved operational efficiency.
- Negotiated favorable loan terms for borrowers by leveraging strong understanding of individual needs and market conditions.
- Collaborated with underwriters to ensure accurate risk assessment and appropriate lending decisions.
- Reviewed loan documentation for accuracy and completeness, reducing processing errors and expediting approvals.
- Guided borrowers through complex transactions with ease by clearly explaining all aspects of the lending process.
- Evaluated loan requests and documents to verify accuracy and completeness.
- Developed and maintained relationships with customers, lenders and other third parties.
- Assisted customers with completing loan applications and other paperwork.
- Monitored pipelines to track and log status of loans.
- Analyzed potential risks and evaluated loan products to identify suitable options for customers.
- Approved loan applications based on customer creditworthiness and provided detailed financial advice.
- Negotiated loan terms and conditions with customers to secure best deal.
- Identified opportunities to cross-sell and upsell loan products to customers.
Market Leader IV
Truist Bank
Oakland, MD
05.2017 - 06.2020
- Led cross-functional teams to enhance operational efficiency and client satisfaction.
- Developed and implemented strategic initiatives to drive revenue growth and market share expansion.
- Mentored junior staff, fostering professional development and knowledge sharing within the team.
- Analyzed customer feedback to improve service delivery and product offerings.
- Identified team weak points and implemented corrective actions to resolve concerns.
- Trained employees on and assigned duties.
- Oversaw day-to-day activities of employees in [Type] establishment, fostering inspiring atmosphere to optimize employee experiences.
- Oversaw day-to-day activities of 9 employees in the financial establishment, fostering inspiring atmosphere to optimize employee experiences.
- Assisted with new hire processing and existing training programs.
- Increased team productivity by streamlining communication and implementing effective project management strategies.
- Built high-performing teams by recruiting top talent and providing ongoing support through professional development programs.
- Led team by answering complex customer questions and mentoring personnel one-on-one.
- Applied strong leadership talents and problem-solving skills to maintain team efficiency and organize workflows.
- Interacted well with customers to build connections and nurture relationships.
- Assisted in recruiting, hiring and training of team members.
- Handled problematic customers and clients to assist lower-level employees and maintain excellent customer service.
- Scheduled employees for shifts, taking into account customer traffic and employee strengths.
- Tracked employee attendance and punctuality, addressing repeat problems quickly to prevent long-term habits.
- Implemented business strategies, increasing revenue, and effectively targeting new markets.
- Led branch operations, ensuring compliance with company policies and regulatory requirements.
- Continuously monitored branch performance against key performance indicators, taking corrective actions as needed to ensure objectives were met or exceeded.
- Maintained friendly and professional customer interactions.
- Evaluated employee performance regularly through appraisals and feedback sessions to facilitate continuous development of skills and knowledge base within the team.
Director of Admissions
Piney Valley Skilled Nursing Facility
Keyser, WV
02.2016 - 05.2017
- Developed and implemented strategic enrollment initiatives to enhance overall admissions process efficiency.
- Collaborated with marketing to design promotional materials, increasing awareness of facility offerings within the community.
- Monitored compliance with regulatory standards in admissions practices, ensuring adherence to state and federal guidelines.
- Cultivated relationships with referral sources, enhancing partnerships that supported increased resident admissions.
- Served as primary contact for coordination of application screening and tracking, visit and interview arrangement and marketing communications.
- Served as a liaison between prospective families, faculty, and administration throughout the admissions process, facilitating seamless communication among all parties involved.
Education
High School Diploma -
Southern Garrett High School
Oakland, MD05-1983
Skills
- Documentation review
- Loan underwriting
- Credit analysis
- Cash flow analysis
- Loan origination
- Portfolio management
- Collateral evaluation
- Debt restructuring
- Financial assessment
- Teamwork and collaboration
- Customer service
- Excellent communication
- Customer service-focused
- Client relationship building
- Relationship building
- Creditworthiness determination
- Client counseling
- Financial service solutions
- Business development
- Financial transactions expertise
Accomplishments
Emergency Medical Responder Certified
Certification
Emergency Medical Responder
Timeline
Commercial Lending Officer
Clear Mountain Bank
06.2020 - Current
Market Leader IV
Truist Bank
05.2017 - 06.2020
Director of Admissions
Piney Valley Skilled Nursing Facility
02.2016 - 05.2017
High School Diploma -
Southern Garrett High School