Amy Hinkens

Experience

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  Montecito Bank & Trust

  Dec 2005 - Oct 2007

  Loan Assistant

  I facilitated the loan application process for our clients, assisting our certified loan or mortgage officers. I ensured our borrowers fully understood the financial implications and responsibilities involved in taking out a loan and made sure applications were correctly completed. I reviewed and prepared documents for clients in a timely manner, checking that applicants correctly completed their paperwork and obtaining missing information if necessary. I followed up on credit checks and prepared cost estimates for borrowers. I communicated with new applicants and existing clients regarding loan opportunities. Show less

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  Montecito Bank & Trust

  Feb 2008 - Mar 2020

  I supervised and managed the bank branch, overseeing financial reporting, hiring and training staff, and growing branch revenue. I managed and supervised employees, assisted customers, and provided excellent customer service. I oversaw day-to-day activities and all banking procedures and processes. I supervised / directed approvals of loans, lines of credit, and other fiscal plans. I assisted with customer service and satisfaction. I marketed our branch within the community to attract business. I recorded and researched all financial information for analysis and administered budget reporting, preparation, and analysis. I documented and interpreted complex financial information for bank clients. I generated, evaluated, and successfully closed on a wide range of consumer and business deposit and loan activities.• I generated, evaluated, and successfully closed on a wide range of consumer and business deposit and loan activities, growing deposits through household acquisition, new residential mortgages, business lending, and referrals to Wealth Management.• I developed and executed annual and long-range business branch plans. Show less I assigned and directed all work performed in the branch and supervised all areas of operation. I managed my staff, fostering a positive environment and ensuring customer satisfaction and proper branch operation. I implemented strategies increasing productivity and enabling the achievement of sales targets. I oversaw all operational aspects, including distribution operations, customer service, administration, and sales. I assessed local market conditions to identify current and prospective sales opportunities. I created forecasts, financial objectives, and business plans to meet goals and metrics. I developed branch personnel by providing training, coaching, and motivation. I identified areas for improvement and proposed corrective actions to meet challenges and leverage growth opportunities.• I shared knowledge with other branches and headquarters on effective practices, competitive intelligence, business opportunities, and market requirements.• I received several awards and recognition from our fraud department for my efforts in preventing and mitigating multiple attempts at fraudulent activity• I created and implemented sales partnerships within the branch to raise accountability and improve sales. Show less I delivered a World Class Experience by providing excellent customer service to all internal and external customers of the Bank, acting as the single-point-of-contact for walk-in customers, fulfilling sales, service, and new account needs. I effectively communicated all available options for customer's transaction requirements. I educated customers about the Bank's products and services matching customer needs and offered information on those benefiting the customer and enhancing their banking relationship. I successfully executed manager-developed sales plans. I assisted in the acquisition of consumer and small business loan relationships, accepting applications and closing loans. I identified and referred cross-sell opportunities as appropriate. I provided professional resolution to customer inquiries or problems.• I proved highly efficient in compiling, reviewing, and processing business formation and trust document reviews.• I utilized consultative sales techniques to establish myself as a trusted advisor, pinpoint targeted solutions, and present solutions to customers' problems. Show less I provided excellent customer service to all internal and external customers of the Bank, acting as the single point of contact for walk-in customers and fulfilling sales, service and referral needs. I demonstrated a thorough understanding of the customer’s transaction requirements and to effectively communicated all available options to them. I educated customers about Montecito Bank & Trust’s products and services matching each customer's needs. I maintained all expectations of proper cash handling, new accounts production and maintenance, and worked on the teller line and on the sales platform as assigned. Show less

  • AVP Branch Manager

    Oct 2018 - Mar 2020

  • Branch Operations Manager

    Jun 2014 - Sept 2018

  • Senior Personal Banker

    May 2011 - Jun 2014

  • Personal Banker

    Feb 2008 - Apr 2011
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  Hinkens Group Properties

  Apr 2020 - now

  Real Estate Agent

  Market real property to prospective clients and prepare necessary paperwork (contracts, leases, etc.) for a company offering rentals, sales, and property management services. I maintain and update listings of available properties. I develop networks and cooperate with attorneys and contractors. I promote sales through advertisements, open houses, and listing services. I remain knowledgeable about real estate markets and best practices. • I assisted with 24 completed transactions within the first year.• I earned my California Real Estate license in 2021. Show less

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  Hinkens Home Loans powered by Groves Capital Inc.

  Oct 2021 - Mar 2023

  Mortgage Loan Originator
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  Barrett Financial Group LLC

  Feb 2023 - now

  Mortgage Loan Officer