Joy Wise-Byrd

Experience

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  South Carolina Bank and Trust

  Apr 2000 - Aug 2004

  Bank Teller

  Served customers by providing product and service information; resolved product and service problems.• Attracted potential customers by answering product and service questions, suggested information about other products and services.• Opened and maintained customer accounts and records by recording and updating information.• Resolved product or service problems by clarifying the customer's complaint; determined the cause of the problem; selected and explained the best solution to solve the problem; expedited correction or adjustment; following up to ensure resolution.• Maintained financial accounts by processing customer adjustments and entered accurate general ledger totals.• Prepared product or service reports by collecting and analyzing customer information.• Contributed to team effort by accomplishing related results as needed. Show less

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  CPM Federal Credit Union

  Aug 2004 - now

  Financial Services Representative III

  Have held many position with branch through the years: teller, vault teller, team lead, ATM/Debit card assistant,and currently FSR III.Maintained friendly front-line coverage by greeting and assisting walk-in members, promoting good firstimpressions with clients.Other duties include maintaining and balancing the branch office daily.Process loans and assist underwriters with getting the information needed to make loan decisions.Responds to customer inquiries by telephone and in person.Process new account and loan application request.Review monthly IRA Transaction Register report for all FSRs to ensure accuracy of IRA transactions for theprevious month.Conduct monthly reviews of new accounts to ensure accuracy when opened.Make monthly work schedules for FSRs.Develop and implement strategies for financial planning.Research and evaluate member’s financial objectives.Assist members in understanding complex financial concepts and instruments.Advise members on various aspects of personal finance such as budgeting, taxes, insurance, investments.Maintain up-to-date knowledge of current economic conditions and their impact on the markets.Foster relationships with new and existing customers through excellent customer service skills.Provide accurate information regarding fees, commissions, regulations, related to financial services.Process transactions quickly and accurately in accordance with established procedures.Created customized plans tailored to each individual member’s needs.Researched banking guidelines and statutory requirements to stay updated on new laws and application.Guided members toward upward credit mobility through good financial choices.Cold-called potential clients to discuss available financial product services.Ensured that all member’s inquiries were answered promptly and completely. Show less

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  AgSouth Farm Credit

  Jan 2024 - now

  Loan Post Closing Coordinator