Walter Efird Email & Phone Number

Memphis Metropolitan Area

• Provides technical assistance to end-users who encounter issues with the bank’s mobile application or online platform. • Respond to user inquiries, troubleshoot problems, and provide solutions to ensure the efficient use of digital tools.• Use help desk ticketing systems to track and document user requests and resolutions, escalate issues when needed and follow-up with customers when issues are resolved.• Manage user accounts and access rights for various digital systems, ensuring appropriate access levels and permissions are granted to clients on the account level. • Create user accounts, reset passwords, and maintain user directories to facilitate efficient user management.

Memphis Metropolitan Area

• PPP Loan Underwriting Consultant for Frist Horizon Bank via 1Link Technology• Conducted application review to assess the completeness and accuracy of loan applications submitted by businesses through verifying that all required documentation and information were provided.• Communicated with loan officers, borrowers, and other stakeholders to gather information, address inquiries, and provide updates on the loan review process. • Ensured compliance with the PPP program guidelines and regulations by verifying that the loan application aligns with the program's requirements, including the calculation of eligible payroll costs, allowable uses of funds, and adherence to the loan forgiveness

Memphis Metropolitan Area

• Hired qualified talent that met position requirements and long-term company business goals.• Streamlined and expedited daily operations to maximize productivity, staff performance, staff morale and efficiency.• Proactively identified new products and pricing strategies to improve the bottom-line revenue.• Provided exceptional customer service to clients and resolved any problems, issues, or customer disputes.

Memphis Metropolitan Area

• Identified prospects, networked within professional circles, and participated in marketing and business development activities.• Assisted with credit and lending needs of clients by establishing personal LOC’s, arranging mortgages, and other lending facilities to meet clients’ personal or business financial goals.• Created a list of 25 new fee-income product ideas for the bank and presented it to executive management.• Coordinated multitude of services by acting as a liaison between clients and other professionals within the bank or external partners

Memphis Metropolitan Area

• Developed and maintained strong relationships with clients and served as the main point of contact for clients’ financial needs and goals.• Focused on preserving and growing clients’ wealth and proactively identify opportunities to enhance returns and bring in new money to the bank.• conduct due diligence on clients to ensure compliance with anti-money laundering (AML) and know-your-customer (KYC) requirements.

Memphis Metropolitan Area

• Built and maintained commercial relationships with current and potential business clients, making on-site calls frequently to ensure customer satisfaction and • Evaluated the credit risk associated with each loan application, by assessing borrower’s credit history, collateral, industry stability, market conditions.• Structured loan terms and conditions based on financial needs and conducted due diligence on the accuracy of the information provided by the clients.• Collected and prepared loan agreements, security documents, regulations and internal policies throughout the origination process and adhered to collecting financial statements during the borrowing period.

Memphis Metropolitan Area

• Prepared comprehensive credit proposals or reports to credit committee summarizing the findings of the borrower’s financial status and ability to repay debt. • Reviewed income statements, cash flow statements, and financial ratios to assess the financial health and stability of the company.• Evaluated credit risk associated with each loan application, by assessing credit history of borrower, repayment capacity, industry trends, market conditions, and collateral offered to determine likelihood of repayment.• Created financial models to project the borrower’s future financial performance and performed collateral evaluation offered by borrower to mitigate credit risk.

Memphis Metropolitan Area

• Worked in Retail Banking at several branches opening accounts for existing and new customers.• Assisted with the marketing, advertising, and opening of the bank’s 10th branch location in Downtown Memphis.• Made calls to existing customers and potential customers throughout the Downtown Memphis area, promoting additional bank products and services.• Provided exceptional customer service to clients and resolved any problems, issues, or disputes.

Memphis Metropolitan Area

• Monitored and tracked the payment status of auto loan accounts that were delinquent 30 days or more.• Called on customers with delinquent auto loan accounts to discuss payment options, to schedule a payment, or to negotiate payments to resolve outstanding balances.• Documented detailed records of communication with customers, including notes on discussions, agreements reached and any additional payment information for the collection process.

Postgraduate Degree, Data Science And Business Analytics, 4.0

Bachelor Of Arts - Ba, Social Psychology