Raynard Harris
Universal Banker and Mortgage Loan Officer @Self-Help Credit Union
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WORK HISTORY
Universal Banker and Mortgage Loan Officer @Self-Help Credit Union
NC, US
Financial Services Representative - Duties and responsibilities include:Assisting clients with their financial goals and providing advice on financial management.Offering various financial products and services such as checking/savings accounts, CD’s, loans, and investment opportunitiesProcessing financial transactions like deposits, withdrawals, and payments promptly and accuratelyOriginating consumer loans in branch, via phone, third party loan souringClosing/Funding consumer loans (auto, signature, lines of credit)Develop and maintain excellent knowledge of all products and financial services offered by the credit union and be knowledgeable of laws and regulations pertaining to credit union services, including lendingIdentifying and assessing customer needs to achieve satisfactionEstablishing relationships with clients, maintaining and expanding client databaseResolving customer complaints and disputes involving their accounts or servicesComplying with all financial industry regulations and internal control protocolsPreparing financial reports by collecting, analyzing, and summarizing account informationParticipating in educational opportunities to improve job knowledge and performanceMortgage Loan Officer - Duties and responsibilities include:Meet with applicants to obtain information for loan applications and to answer questions about the process.Evaluate, authorize, or recommend approval of commercial, real estate, or credit loans.Review and credit and loan files.Analyze applicants’ financial status, credit, and property evaluations to determine feasibility of granting loans.Submit applications to credit analysts for verification and recommendation.Explain to customers the different types of loans and credit options that are available, as well as the terms of those services.Obtain and compile copies of loan applicants’ credit histories, corporate financial statements, and other financial information.
EDUCATION
Western Governors University
Bachelors of Science, Bachelor of Science, Business - IT Management
Mooresville Senior High School
Diploma, Business Systems
Ambassador Christian College
Bachelor of Arts, Theology
Ambassador Christian College
Master of Theology, Theology/Theological Studies and Religious Vocations
Ambassador Christian College
Masters of Theology(ThD.), Theology/Theological Studies and Religious Vocations
SKILLS
ABOUT RAYNARD HARRIS
It’s not about having the right opportunities. It’s about handling the opportunities right.” - Mark HunterA seasoned and highly accomplished business savvy professional with robust experience acquired over the years in delivering optimal results & business value in high-growth environments and establishing key relationships with business segments. I am skilled in converting business strategies into maximum profits commensurate with the best interest of shareholders, customers, employees, and the public. I have experience in enhancing profitability, developing strategic lending initiatives, and growing each segment of a high-quality loan portfolio. I possess a unique talent for banking regulations and a proven track record of implementing the necessary controls to ensure compliance. Manage accounting and financial operations with oversight for financial reporting, account records, and accounting controls.I direct all corporate, departmental purchasing functions, including strategic planning, project deployment, and auditing. Handled management and planning of operational and capital technology budgets. Defines, monitors, and is held responsible for overall operations performance. Implement production, cost, and quality control mechanisms. Oversee operations, ensuring that schedules and performance requirements are met, and system resources are used effectively. Analyze financial statements, conduct cost/benefit analysis, and identify areas of weakness. Utilizes a highly organized, self-motivated, and proactive approach to work.My remarkable leadership and interpersonal skills let me communicate with upper management and team members. I am confident in delivering impeccable results through my dedication to handling multiple functions and activities under high-pressure environments & tight deadlines. Areas of Expertise: Strategic & Operations Planning Budgeting Planning & Forecasting Cost Control & Reduction Financial Analysis & Reporting Revenue Cycle Management Risk Management Stakeholder Management Business Relation Management Process Improvement Strong Interpersonal Skills Analytical Skills Team Management Communications Critical Thinking Problem Solving Time Management Attention to Detail Client Relationship Management Leadership Management Skills Administrative Skills
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