Kalyn Avery
Springfield
Summary
Analytical professional with extensive experience in processing loan applications and analyzing the credit history of clients within fast-paced environments. Proven success in performing high-level risk assessments on loans and complying with policies and procedures to minimize liability risk and losses. Excellent reputation for resolving problems and improving customer satisfaction. Competent to multitask and prioritize responsibilities to meet stringent deadlines.
Overview
14
14
years of professional experience
Work History
Floating Branch Manager
Regional Finance
09.2023 - Current
- Facilitate weekly meetings with staff members to discuss progress on current initiatives.
- Manage and inspired team members to perform to full potential, driving branch profitability.
- Provide guidance and support to team members regarding problem resolution and customer service issues.
- Work cross-functionally to plan and establish branch goals, supporting strategic objectives.
- Resolve escalated customer complaints in a timely manner.
- Ensure compliance with established policies, procedures and regulations governing banking operations.
- Manage staff scheduling, hiring and training processes.
- Efficiently underwrite applications for new, current, and former borrowers
Branch Manager
Mariner Finance
11.2018 - 09.2023
- Manage $7M branch with 6 direct reports
- Assess delinquency and strategize to reduce to company standard
- Analyze credit and perform underwriting for personal and auto loan applications up to $50,000
- Process payments in-office and over the phone
- Resolve customer complaints and issues
- Send daily and monthly reports to home office
- Interview candidates and perform onboarding training on new hires
- Helped branch rise from bottom of the region to staying top 3 of the region 8 out of 12 months
- Increased branch profit and average loan size to above company standard
- Assessed employee performance and developed improvement plans.
- Interviewed and hired talented individuals with top-level strengths, improving organizational talent and skill set.
Branch Manager
OneMain Financial
07.2012 - 12.2017
- Spearheaded the management of delinquency cycle
- Verified, assessed, and processed loan applications
- Approved and rejected consumer finance and personal loan requests as per organization guidelines, while interviewing 150+ loan applications monthly
- Analyzed collection reports to ascertain and monitor the status of collections and outstanding balances and performed outbound collection calls
- Initiated recovery procedures by forwarding the summary of delinquent accounts to attorneys and external collection agencies
- Elaborated types of loans to the customers, explained terms and conditions, analyzed loan agreements, approved loans within specified limits, and referred out-of-scope applications
- Led 5+ staff members, assessed performance, evaluated training needs, and conducted training sessions to improve productivity and efficiency
- Orchestrated and implemented robust and improved standard operating procedures to streamline functions and reduce costs.
Assistant Manager
Covington Credit
08.2009 - 06.2012
- Played an instrumental role in identifying and evaluating feasibility of granting loans by examining applicants’ financial status, credit history, and property evaluations
- Managed cash transactions, received and deposited amounts, issued receipts, and maintained an up-to-dated and accurate record of available cash at all times
- Harmonized with credit collection agencies, calculated clients’ income, and conducted interviews with clients
- Achieved recognition for accelerating from bottom of region to the top 3 within a few months by consistently achieving targeted goals
- Fostered lucrative working relationships with customers to earn positive rapport and obtain repeat customers.
Education
High School Diploma -
Blooming Grove ISD
Blooming Grove, TX05.2008
Skills
- Credit Analysis and Underwriting
- Staff Management
- Goals and Performance
- Federal Regulations
- Employee Performance Evaluations
- Excellent Work Ethic
- Monthly Audits
- Team Player
- Multitasking Abilities
Timeline
Floating Branch Manager
Regional Finance
09.2023 - Current
Branch Manager
Mariner Finance
11.2018 - 09.2023
Branch Manager
OneMain Financial
07.2012 - 12.2017
Assistant Manager
Covington Credit
08.2009 - 06.2012
High School Diploma -
Blooming Grove ISD
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