Judy Relf Email & Phone Number

Saginaw, Genesee, Oakland And Livingston Counties, Mi

Develop and nurture the bank’s relationships with community-based non-profits who focus on financial education, homeownership, small business entrepreneurship and and community reinvestment activities. Specializing in helping low income families achieve their dream of homeownership.

Saginaw And Genesee Counties, Mi

Charged with building relationships, both internal and external, to generate loans within the low-to-moderate income communities that the bank serves. Arrange and conduct home buyer education with community partners covering credit building, mortgage qualification and available programs to help increase home ownership. Educate branch partners on programs, products and lead generation. Represent the bank at community events. Presently serving on three CRA related boards.

Saginaw And Genesee Counties, Mi

Generated high quality mortgage loans by cultivating referral sources and providing superior customer service. Took complete applications, analyzed credit and assessed the ability to repay. Guided loan applicants through the mortgage process from pre-approval to closing. Provided educational opportunities for business partners, referral sources and community organizations on mortgage programs and the home buying process. Mentored new mortgage loan officers on products, policies and procedures

Saginaw, Michigan Area

Responsible for all aspects for a high traffic, full service bank branch. Lead team to achieve goals for client, deposit and revenue growth. Executed the branch operating model to provide outstanding customer service. Expanded client base with focus on small business banking and lending. Successfully generated referrals to bank partners for mortgage loans, treasury products, merchant services and investment. Used consultative approach for customers and prospects to offer solutions versus product.

Saginaw And Bridgeport, Mi

Responsible for the day-to-day operations of retail banking branch serving both consumer and business customers. Managed the branch to sales goals and lead by example for sales performance. Coached team members to Human Sigma Six principles and received recognition for both outstanding customer and employee engagement results. Utilized sales and communication skills to bring PNC Bank to the community through outbound sales and community involvement. Used consultative approach for customers and prospects to offer solutions versus products.

Flint, Mi

Responsible for management and sale of bank owned real estate. Analyzed appraisals, broker opinion letters and industry trends to determine optimum pricing. Authorized the listing of properties with Realtors, negotiated contracts and coordinated closings. Used knowledge of real estate, mortgage lending and bank guidelines to liquidate properties for the benefit of the bank.

Responsible for all aspects of mortgage origination including profitability, compliance, product training, coaching and mentoring. Managed a staff of mortgage loan originators in the production of conventional and government loans. Assisted with goal setting, development of sales plans, execution of sales and marketing activities. Prepared annual performance reviews and created action plans for improvement.

Grand Blanc, Mi

Responsible for opening new retail loan center. Recruited and developed loan officers, created sales and marketing plans, reviewed all loans at application for viability and completion, underwrote files for pre-approval. Conducted sales meetings to discuss industry changes, marketing tactics, teach new products and motivate the staff.

Flint, Mi

Expanded office from two loan officers to twelve while maintaining high levels of professionalism and customer satisfaction. Assisted loan officers with achieving production goals and developing marketing plans. Provided continuous training opportunities both one-on-one and in groups. Underwrote files for pre-approval. Fully responsible for district compliance and profitability.