Tammy Smith
Athens
Summary
Dynamic banking professional with expertise in customer relationship management, banking compliance, and credit analysis. Proven track record in revenue generation and delivering tailored mortgage solutions to meet diverse client needs.
Overview
25
25
years of professional experience
Work History
Universal Banker
Truist
Athens
02.2026 - Current
- Improved customer service experiences by collaborating effectively with team members.
- Maintained compliance with banking regulations and policies to uphold operational integrity.
- Participated in training sessions, improving product knowledge and service skills.
- Explained banking products, including checking accounts, savings accounts, loans, and credit cards to potential customers.
- Provided fast and knowledgeable services that addressed diverse banking needs.
- Achieved revenue targets by upselling and cross-selling banking products to customers.
- Developed relationships with business owners to promote commercial banking services effectively.
- Handled escalations professionally, ensuring customer satisfaction and safeguarding bank reputation.
Mortgage Loan Officer-4 Branches
BB&T/Truist
Savannah
08.2018 - 02.2026
- Assessed client financial data to determine loan eligibility and creditworthiness.
- Educated clients on various loan products and interest rate structures.
- Conducted thorough credit assessments to identify potential application risks.
- Developed tailored mortgage solutions to meet diverse client needs.
- Resolved borrower complaints promptly, upholding high customer service standards.
- Cultivated relationships with real estate agents and builders to generate business leads.
- Attended industry events to remain updated on mortgage banking changes.
Mortgage Loan Officer
Wells Fargo & Company
Savannah
05.2017 - 08.2018
- Guided clients through mortgage application processes and documentation requirements.
- Analyzed market trends to provide tailored mortgage solutions for clients.
- Built strong relationships with real estate agents for referral opportunities.
- Educated clients on loan products and interest rate structures to facilitate informed decisions.
- Conducted credit assessments to identify risks in applications, ensuring compliance with lending standards.
- Provided guidance on various types of mortgages such as FHA loans, VA loans, conventional loans.
- Processed loan applications following established guidelines, contributing to timely approvals.
- Participated in team meetings, trainings conducted by management staff regarding updates on products, services offered by the company.
Director of Business Development
Sinclair Oconee Mortgage
Eatonton
02.2015 - 03.2017
- Generated leads and capitalized on valuable business opportunities to bring in new company revenue and improve bottom line profit.
- Trained successful business development personnel to optimize marketing performance and learn the industry.
- Organized trade shows, conferences, seminars, and webinars to promote products and services and engage potential clients.
- Developed growth plans identifying key clients, targets, and priority service lines to drive business expansion.
- Coached, developed and motivated team to achieve revenue goals.
- Led sales planning, development and account management to grow existing accounts and establish new sales accounts.
- Enhanced sales volume by providing tailored support to new and inactive customers, fostering stronger client relationships.
- Conducted market research and reported on competitors.
Real Estate and Mortgage Broker/Owner
Bent Tree Funding
Dallas
01.2001 - 01.2013
- Founded real estate agency and recruited agents, establishing operations from the ground up to serve client needs.
- Trained and developed agents on consultative sales techniques while assessing needs of buyers to provide relevant properties.
- Managed real estate transactions from initiation to closing.
- Served as liaison between borrowers and lenders and collaborated with both parties to obtain optimal loans for home purchases.
- Counseled clients on home purchasing and loan processes.
- Acquired new customers, counseled clients, and identified purchasing needs to deliver relevant real estate investments.
- Developed targeted marketing strategies to attract homebuyers and effectively promote services.
- Developed marketing strategies to attract new clients and retain existing ones.
- Participated in marketing events such as open houses or trade shows to increase visibility in the community.
- Researched competitors' offerings and developed strategies for differentiating services from other brokers and lenders.
- Identified potential risks associated with mortgage transactions and took appropriate action to mitigate those risks.
- Verified accuracy of all documentation prior to submission to underwriting department.
- Cultivated business base through positive relationships with former borrowers, enhancing word-of-mouth referrals.
Education
Associate of Arts - Business Develpoment
University of Denver
Denver, CO01-1989
Skills
- Mortgage solutions
- Financial assessment
- Product expertise
- Customer relationship management
- Sales strategies
- Regulatory knowledge
Timeline
Universal Banker
Truist
02.2026 - Current
Mortgage Loan Officer-4 Branches
BB&T/Truist
08.2018 - 02.2026
Mortgage Loan Officer
Wells Fargo & Company
05.2017 - 08.2018
Director of Business Development
Sinclair Oconee Mortgage
02.2015 - 03.2017
Real Estate and Mortgage Broker/Owner
Bent Tree Funding
01.2001 - 01.2013
Associate of Arts - Business Develpoment
University of Denver