Christina Baldwin
Stewartstown
Summary
Accomplished banking associate with a proven track record at PeoplesBank/Orrstown Bank, adept in relationship building and complex problem-solving. Streamlined operations and enhanced portfolio growth through strategic audits and effective stakeholder collaboration. Excelled in data analysis and decision-making, significantly improving business process flows and client service excellence.
Overview
12
12
years of professional experience
Work History
VP, Manager of Operations Strategy Support
Orrstown Bank
06.2024 - Current
- Streamlined processes by conducting thorough operational audits and implementing best practices.
- Built strong relationships with key stakeholders by facilitating regular communication and collaboration.
- Identified opportunities to improve business process flows and productivity.
- Leveraged core systems to assist in report building for stakeholders and team in order to manage key data fields and implement daily processes
VP, Commercial Real Estate Relationship Officer
PeoplesBank
12.2022 - 06.2024
- Provided excellent customer service by addressing client concerns promptly and professionally.
- Negotiated favorable loan terms and conditions, ensuring mutually beneficial agreements between the bank and clients.
- Streamlined the loan approval process by effectively presenting cases to loan committees.
- Conducted regular credit reviews for existing clients to evaluate their financial health and recommend appropriate actions to mitigate potential risks.
- Increased loan portfolio growth by developing and maintaining strong relationships with commercial clients.
Senior Portfolio Manager
PeoplesBank
01.2019 - 12.2022
- Supported the development of new business initiatives through active participation in sales meetings, presentations, and pitch sessions.
- Streamlined internal processes to enhance efficiency in portfolio maintenance, reporting, and compliance procedures.
- Developed strong relationships with clients through consistent communication and attentive service
- Conducted comprehensive due diligence on potential loan requests, including financial analysis, market trends and collection of required documentation
- Prepared cash flow projections
Commercial Lending Assistant
PeoplesBank
06.2014 - 01.2019
- Contributed to business development efforts by identifying cross-selling opportunities within the existing client base.
- Supported the closing process by collecting required documentation, coordinating with various parties, and resolving any issues that arose.
- Identified potential areas of improvement within the department''s operational procedures, driving continuous improvement efforts.
- Acted as a liaison between clients and internal departments such as credit analysts or legal counsel to expedite transactions smoothly.
- Supported complete and accurate loan file documentation.
- Maintained strong relationships with clients by providing exceptional service and addressing concerns promptly.
- Answered inquiries and provided superior customer service to clients.
- Assembled important paperwork and disclosures for borrower.
Bank Teller
PeoplesBank
04.2013 - 06.2014
- Answered customer inquiries regarding account balances, transaction history, services charges, and interest rates.
- Established trust with clients by maintaining confidentiality and protecting sensitive financial information.
- Processed customer transactions promptly, minimizing wait times.
- Learned about customer's financial needs, established trust, and optimized sales opportunities resulting in quality customer service.
- Supported branch management in achieving operational excellence through adherence to regulatory guidelines and internal procedures.
Education
Bachelor of Arts - English Literature
York College of Pennsylvania
York, PA12-2012
Skills
- Team leadership
- Relationship building
- Decision-making
- Critical thinking
- Complex Problem-solving
- Documentation and reporting
- Data analysis
- Policy and procedure development
- Verbal and written communication
- Organizational development
- Administrative support
- Report preparation
- Account management
Accomplishments
In my first year of Commercial Lending I exceeded sales goals three out of four quarters and was inducted into the CEO Excellence Circle at year end 2023.
Was one of the first users of nCino and continued to help test improvements and board to core efforts.
Timeline
VP, Manager of Operations Strategy Support
Orrstown Bank
06.2024 - Current
VP, Commercial Real Estate Relationship Officer
PeoplesBank
12.2022 - 06.2024
Senior Portfolio Manager
PeoplesBank
01.2019 - 12.2022
Commercial Lending Assistant
PeoplesBank
06.2014 - 01.2019
Bank Teller
PeoplesBank
04.2013 - 06.2014
Bachelor of Arts - English Literature
York College of Pennsylvania
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