Laurie Epps Email & Phone Number

A creative leader who successfully transitioned through eight mini-banking careers while working for one financial institution. Started as a Teller, promoted to Teller Supervisor, transitioned to the Loan Department in a support role for the Loan Officers before being promoted to a Consumer Lender. Implemented a Collections Department when a bank merger dictated the need. Led the start-up of a Loan Servicing Department when operations were centralized. Managed Special Assets after the financial crisis of 2007. Moved to Retail Banking after the problem loan portfolio declined.

Webster City Ia 50595

Responsible for the administration and daily operation of a full service branch office, with emphasis on all retail operations, product sales, and customer service. Developed and built relationships, and expanded existing customer relationships through the use of consultative sales and a financial needs assessment process. Facilitated the opening of all types of deposit accounts, processed loan applications, and managed collections of overdrawn accounts or past due loans. When Availa Bank acquired three First American Bank branches, I collaborated with various departments from both banks to navigate all communications, training functions, and local merger tasks. Conceptualized a new electronic schedule which virtually eliminated overtime, maintained proper staffing levels and ensured cross-training of all Teller functions.

Webster City Ia 50595

Managed operations and maximized profitability for the local bank branch by expanding and developing relationships. Revitalized the branch and personnel in function and appearance following several years without a local manager in place. Instituted a Business Development program within the branch for targeting new business and cultivating existing business, engaging all staff at various points and levels.

Clive, Ia

Regular duties involve debt collection and coordinating foreclosure efforts as necessary for optimal recovery for the bank. Administration of accounting duties for OREO, Other Assets, non-accrual, charge-off and recovery entries. Consistently tasked with developing plans and instilling practices to minimize non-performing assets, criticized/classified assets and loan charge offs.

Clive, Ia

Supervised the boarding and maintenance of all loans for the organization; including consumer, commercial, real estate, SBA, floor plans, serviced, participation, non-accrual, charged-off, shadow loans, lines of credit, or overdraft protection. Strived for accurate and timely servicing of the bank’s loan portfolio; ensuring loans and agreements comply with state and federal laws, regulations and bank lending policies and procedures.

Clive, Ia

Responsible for performing loss mitigation and recovery activities regarding consumer and small commercial loan accounts in accordance with Bank and legal guidelines, including related state and federal regulations. Collection activities include loss mitigation, foreclosures, repossessions, pre charge-off, charge-off, recovery, and bankruptcy. Performs a variety of routine daily tasks; reviews reports, prepares correspondence; participates in special projects.