Joseph Westfall Email & Phone Number

Cleveland/Akron, Ohio Area

Inside mortgage loan originating in a call center atmosphere. Negotiated and originated mortgage loan applications for borrowers across the country. Most of my business was helping veterans refinance and consolidate their higher interest debt through a consultative selling approach utilizing the VA loan program.

Ohio

Outside Loan Officer. Met with customers at the branch to discuss their financial and home lending goals. Analyzed their entire financial picture utilizing all the products the bank offered and sought opportunities for my referral partners as well as helping them refinance, consolidate debt and purchase homes.

Cleveland, Ohio

Sold and negotiated mortgage loan applications over the phone for borrowers across the country in a call center type atmosphere.

Named district Loan Champion. Responsibilities include visiting branches in my district and holding coaching sessions with managers and personal bankers around lending and bringing in new money to the bank.Promoted to Banking Officer in February of 2014. Created and executed goals for solidifying and gaining new consumer and business customer relationships.Conducted teleconsulting for the benefit of customers; cross-sold products; maked outside sales calls to solicit business. Achieved top position in loans for my district mulitple times.I set clear expectations that lead to sales success for direct reports; drives, supported and achieved monthly sales quotas.Effectively resolved issues with clients/customers and associates.Established business contacts and networks through community relations activities.I set clear expectations and measurable outcomes, while coaching and developing direct reports. Drove accountability and built trust through character, connection, and competence.Demonstrated the ability to assess direct reports performance and behaviors effectively. Provided coaching, disciplinary actions and exits non-performers while adhering to company policies. Successfully recruited and hired the appropriate staff to deliver on expectations.Drove and coached the customer service process and model of “Simply the Best” service. Understood the general principles of business and ensured operational efficiency as it relates to policies, procedures, compliance, loan accuracy, corporate audits, fee refunds, work schedules, forecasting, accuracy, and efficient operation.Complied with Bank security practices. Maintained customer confidentiality at all times.Feb 2015 206% Branch Revenue Share to Goal150% loan balance sheet growth for 2014112.5% on operations and risk assessment for 2014101.23% sales production score card for 2014100% cross sell for 2014

North Royalton Ohio

Used consultative selling techniques, analyzed and provided solutions for clients' financial needs. Made sales referrals to specialized areas of the Bank based on customer need.Proactively seeked out current and potential clients for sales and customer service opportunities through calling activities and use of marketing resources.Worked with banking office team members to achieve individual and banking office sales goals by opening new accounts, taking loan applications and closing loans for both business and consumer customers.Researched customer inquiries and provides resolutions within Bank guidelines.Responsible for maintaining up-to-date knowledge of products, services, technology, and regulations. Complied with internal security policies and procedures and maintains customer confidentiality at all times.Maintained records, reports, and procedures required by the office.

Opened and maintained new accounts including IRAs, CDs, Money Markets, mortgages, loans, and lines of credit for the Virtual Bank.Kept an up to date book of business.Succeeded in hitting sales and customer service goals every month.Assisted team members with client issues and customer inquiries.Gave presentations to colleagues on successful customer service, loans, deposit accounts and cross-selling.Trained new hires on sales, customer service and compliance.

As a Personal Banker I was responsible for performing intermediate duties and support related to bank operational activities and financial servicesProcessed all new account transactions; assisted customers in their selection of various accounts and financial services; cross-selling the Bank's products and services; opening, maintaining and closing of all account types;Performed branch clerical duties; Promoted business for the Bank by maintaining good customer relations and referring customers to appropriate staff for new services. As a Personal Banker I also was required to be fully knowledgeable and skilled in the areas of teller, vault, safe deposit, processing and boarding DDA lines of credit, discussing and accepting credit applications, and was required to provide leadership, training and support to less experienced New Account Representatives and other branch staff members.

Expert knowledge on IRAs, Money Markets, and Health Savings Accounts.Developed IRA rate sheets and prepared transfers, distributions, and closures in accordance with government regulations and bank policies. Provided necessary forms and documents to keep customers compliant with governement regulations.Uncovered customers financial goals and cross-sold products accordingly to reach a sales goal.Maintained retirement records and was responsible for current and proper financial statements and reports. .

Verified the cash and coin received for each deposit to the stated (or declared) amount. Researched any differences. Made any needed corrections for input errors or any needed adjustments to customer accounts according to department policy. Prepared any necessary G/L tickets. Prepared proofwork. Maintained responsibility for all assigned deposits. Followed department internal control and security policies for securing cash, transferring cash and coin, and other related functions. Maintained neat and orderly teller station. Balance within 30 minutes at the end of the day. Perform other duties as assigned. Maintain department productivity and teller outage standards