Patricia Hounshell Email & Phone Number

Cosner Corner Branch, Spotsylvania, Virginia

Ladysmith Branch

• Assisted new and existing customers with their immediate, short term and long term financial needs. • Coached and developed teammates to meet sales and professional goals. • Developed and implemented sales plans to exceed sales goals and expand customer relationships. • Analyzed loan requests for consumer customers while complying with bank credit policies and procedures.• Assisted in the hiring process by interviewing and recommending candidates.• Managed key branch reports. • Assisted branch manager with sales meetings and annual performance appraisals. • Supervised the branch audit process.• Acted as manager in absence of the branch manager.

Richmond, Virginia Area

• Interviewed and assisted members with their consumer and mortgage lending needs, included gathering background information, analyzing loan requests and making credit decisions based on lending policy and regulatory requirements. • Assisted loan supervisor with monthly quality loan reviews.• Consistently received special recognitions for providing exceptional service to members and co-workers.• Assisted in the development of auto insurance verification procedures

Fredericksburg, Virginia

• Reviewed and analyzed all areas of loan applications to ensure accuracy, completeness and compliance with internal policies and regulatory requirements. • Handled escalated customer service calls. • Performed quality reviews of underwriters’ loans to ensure compliance and minimize loan exceptions. • Consistently exceeded monthly productivity standards set by management• Generated over $7.5 million monthly in private student consolidation loans with a team of three underwriters. • Built private student consolidation loan portfolio with less than 1% default rate.Created and maintained an exception tracking system utilized for management reporting.• Wrote standards of procedures that were utilized to train new underwriters.• Provided training to new credit underwriters. Developed an underwriting review checklist which increased productivity, improved loan quality and reduced loan exceptions.• Acted as lead in absence of private loans supervisor to ensure smooth operation.• Acknowledged by peers and management for both job knowledge and expertise.

Fredericksburg, Virginia

• Established, managed and developed customer relationships in high volume branch. • Sold and serviced bank products to increase sales volume to consumers and small business customers.• Interviewed and processed consumer loan requests on Wachovia’s loan approval system.• Met all branch goals.• Created and coordinated employee incentive programs to motivate employees and achieve branch goals.• Consistently obtained outstanding ratings on customer evaluations.• Trained new tellers and customer service representatives.• Acted as lead in absence of branch manager.

Richmond, Virginia Area

• Performed independent evaluations of Bank’s compliance with internal policies/procedures and consumer regulations. Analyzed new and changes to existing regulations to ensure bank’s compliance.

Bachelor Of Business Administration (B.B.A.), Business Administration And Management, General

Education record