Responsible for leading innovative projects to further develop and enhance Treasury Management products, services and support. Identified, created and executed on process improvements for new and existing products and procedures. Created, maintained and presented department reports and statistics. Reviewed potential high-risk notifications and completed follow-up of identified issues. Evaluated new Treasury Management concepts and technologies including fraud trends and risk mitigation. Established risk mitigation objectives for the Treasury Management team. Effectively communicated company and product procedural changes to all staff and stakeholders. Lead projects and collaborated with various stakeholders to ensure details and deliverables were accurate and timely. Managed relationships with outside vendors. Maintained up to date knowledge of Treasury Management products and services. Trained employees on products and procedures.

Product manager and subject matter expert on the business processes and operations for the Treasury Management department. Managed vendor related products such as Lockbox, 360Control, VISA Commercial File and CheckPartner. Established and ensured processes and procedures were well documented and adhered to. Created forms, guides, training material and various resources for internal and external use. Oversaw the onboarding of new clients. Provided expert level end-user support and troubleshooting via various channels. Responsible for product billing. Developed and presented pricing models for executive management in order to increase revenue and align with industry standards.

Provided active day-to-day leadership and support to the Treasury Management operations team. Effectively led within a fast-paced environment which catered to business clients and their Treasury Management needs. Ensured expert level client support was sustained. Maintained quality assurance performance standards for the department. Drove team to consistently meet SLAs. Oversaw individual and team development. Resolved escalated calls and issues. Approved product and service approvals at elevated levels/limits. Identified and communicated process improvement needs. Collaborated with management on strategic planning and projects. Executed department strategies and set department goals. Reviewed department report statistics with executive management. Conducted on-going review risk mitigation practices within the department and collaborated on industry fraud trends.

Assisted Branch Manager by overseeing the efficient operation of the branch. Ensured compliance with all security, safety and emergency preparedness procedures. Managed staff to ensure vault opening, closing and balancing procedures were completed. Supervised and lead team in providing members the full range of products and services including lending products and depository accounts such as checking, savings, certificate, IRA, revocable trust and estate accounts. Made sure team followed, complied with and regularly reviewed all required policies, practices and procedures. Motivated team to achieve and maintain product, service and business goals. Assisted with leading and training team members to deliver high quality service to members. Developed, mentored, and counseled staff. Monitored cash operations and branch self-auditing efforts to keep credit union assets secure and within operational limits. Analyzed reports and conducted trend analysis to optimize business performance. Stayed compliant with all HR related policies, practices and procedures, such as timekeeping, recruiting, compensation, separations, leave usage, etc. Established performance goals and priorities to ensure branch goals and objectives aligned with corporate strategy. Prepared, conducted and reviewed performance appraisals. Participated in outside marketing and promotional activities for members and potential members. Acted as Branch Manager in absence.

Supervised and assumed responsibility for all branch operational functions. Responsible for opening and closing the branch. Provided support and acted as a resource for staff regarding policies and procedures. Maintained knowledge of all products and services. Remained proficient in the legal aspects of accounts (e.g. trusts, fiduciary accounts, Power of Attorneys, etc.). Established membership and assisted members with savings products, including checking and certificate accounts, money market accounts, Individual Retirement Accounts. Processed and closed consumer loan products. Provided service as Notary Public. Performed day-to-day transactions for members including but not limited to deposits, withdrawals and transfers. Approved various day-to-day transactions including, but not limited to check approvals, check hold decisions, cash verification/approvals, transaction overrides. Answered member inquiries and provided information in accordance with credit union policies and procedures for statement requests, stop payments, fraud claims, insurance of accounts, and other deposit account-related needs. Monitored cash operations and branch self-auditing efforts to keep credit union assets secure and within operational limits. Consistently provided a high level of service to increasing member satisfaction. Supported the organization’s strategic objectives by communicating and tracking staff goals that were specific, measurable, attainable and timely. Led staff to achieve assigned goals. Collaborated with the Branch Manager and Assistant Branch Manager, who resided at a separate location, to provide staff ongoing informal and formal coaching.

Interviewed applicants to understand their mortgage needs. Discussed first-time mortgage for purchases, refinances of existing mortgage as well as second mortgage and home equity line of credit. Explained the details and approval requirements for each type of mortgage. Initiate the process by preparing, analyzing, and verifying application. Gathered appropriate documentation including credit history, financial statements, income verification, etc. Assessed applicants' capacity to repay and default risk. Based on predetermined requirements, granted or rejected mortgage applications. Maintained knowledge of trends and developments in the local real estate market; current and predicted lending rates; and changes in rules, regulations, and best practices of various mortgages.

Interviewed applicants to understand their lending needs and requested information for loan application. Ensured that members were properly informed of credit union loan policies and services. Analyzed potential lending and insurance opportunities involved in each situation to further assist the borrower as well as increase the credit union’s lending portfolio. Cross sold borrowers on the benefits of utilizing other credit union services. Met goals for number of loans and dollar amount of loans as set by the lending manager. Provided superior member service.

Assembled, reviewed, and verified accuracy of loan documentation. Ensured that loan files contain properly executed documents with correct dates, loan amounts, and other relevant data. Responsible for securing loan collateral, legal documents, filing mortgages, UCC filings, amendments, and terminations. Handled loan officer/customer inquiries and resolved routine problems with changes of ownership, note modifications, beneficiaries, and other loan details. Professionally interacted with loan officers, bank management, staff, title companies, appraisers and 3rd party vendors.

Perfected liens and other instruments of public record on collateral held by the credit union as security for credit obligations and released all liens upon satisfaction of the obligation.

Performed member transactions including deposits, withdrawals, cash advances, loan payments, loan advances, transfers, check cashing, bond redemptions, etc. Maintained up-to-date and comprehensive knowledge of all credit union products and services. Promoted all products and services offered by the credit union as it pertained to member’s needs.