Kathy Davis Email & Phone Number

Responsible for various aspects of a centralized consumer loan center and making sound credit decisions. Train and work with Branch Personnel to serve customer loan needs and make sure they comply with all regulationsCreated a centralized Consumer Loan Department with policies and work flow to create efficient work flow and timely decisions to serve customersWrite policy and recommend changes to policy to better protect the bank and serve the customerAnalyze title work, credit… Show more Responsible for various aspects of a centralized consumer loan center and making sound credit decisions. Train and work with Branch Personnel to serve customer loan needs and make sure they comply with all regulationsCreated a centralized Consumer Loan Department with policies and work flow to create efficient work flow and timely decisions to serve customersWrite policy and recommend changes to policy to better protect the bank and serve the customerAnalyze title work, credit report, tax returns, and credit applications for compliance with loan policy and credit standards, call customers to collect past due bills.Analyze market surveys to make sure the bank was competitive with rates and loan terms. SAFE registration completedFrom 2005 to 2011- In addition to Consumer Loan Center responsibilities I had responsibility to monitor and service the commercial credit card portfolioWork with Commercial Relationship Managers on customer needs and questionsLiaise with credit card VendorResearched credit card vendors and made changes to the program and processingAssessed and changed contracts to increase revenue to bankFrom 2005 to 2010 responsible for promoting and researching various vendors to service Consumer Credit Card and Merchant Service ProcessingWorked as Liaison with Consumer Credit Card Vendor and Merchant Services ProcessingWorked with branches on various promotions for Consumer Credit Cards and Merchant Services Processing.Utah Bankers Association-Consumer Education Committee member 2006-PresentChair for 2009-2010 termCommittee was responsible for encouraging bankers from various institutions to teach financial literacyTaught several hundred students about saving money and using credit wiselyTaught Jr. Achievement to elementary school studentsTaught budgeting and credit to low income people Show less

Responsible for various aspects of consumer loans; take loan applications, make credit decisions, sign documents, disbursements and make sure they comply with all policies and regulationsCross sell other banking products to meet customer needs. Open accounts and take care of other customer concerns and/or problems as related to banking relationship.Supervisor when needed to make decisions on exceptions to various bank policies.Supervisor in charge when needed to oversee and train… Show more Responsible for various aspects of consumer loans; take loan applications, make credit decisions, sign documents, disbursements and make sure they comply with all policies and regulationsCross sell other banking products to meet customer needs. Open accounts and take care of other customer concerns and/or problems as related to banking relationship.Supervisor when needed to make decisions on exceptions to various bank policies.Supervisor in charge when needed to oversee and train staffSales Liaison in charge of sales promotion in the branch. This includes reviewing latest promotions with branch employees and motivating them to cross sell bank products. Show less

Responsible for monitoring various reporting requirement and enforcing Commercial Loan requirements as set forth in loan documentation. This includes monitoring and analyzing Account Receivable, Accounts Payable and other interim financial statements. Interact with clients to train them on required reporting requirements, handle questions and concerns with the aspect of loan, bank accounts and various other banking elements.Report to Loan Officers and other banking personnel on… Show more Responsible for monitoring various reporting requirement and enforcing Commercial Loan requirements as set forth in loan documentation. This includes monitoring and analyzing Account Receivable, Accounts Payable and other interim financial statements. Interact with clients to train them on required reporting requirements, handle questions and concerns with the aspect of loan, bank accounts and various other banking elements.Report to Loan Officers and other banking personnel on various client progress, concerns about specific loans, and other problems or concerns that may arise.Verify and purchase factored invoices Show less

Education record

Commercial Loans to Small Business

Education record

Economics, Psychology, Political Science

and other general education courses