Trebor Nicole Bowman

Driven collateral management professional with a proven track record in optimizing utilization and performance reporting, having produced insightful monthly reports that guided senior management's strategic decisions. Adept in compliance and risk management, actively participated in internal audits and policy reviews to enhance operational effectiveness. Spearheaded initiatives that reduced processing time by 15%, demonstrating a commitment to best practices in collateral valuation.

Unique skill set in developing processes that align with regulations while improving efficiency ensures exceptional value to any organization. Customer-oriented Store Manager offering over 13 years of experience in financial operations, sales and service team leadership and profitability strategies. Organized and skilled at prioritizing daily tasks and following through to achieve performance and productivity goals.

Recruits, trains, develops and manages team of store associates and assistant managers.

Focused Store

Manager versed in all aspects of running retail establishment, including opening and closing procedures, banking, marketing, merchandising and recruiting. Keeps operations efficient, productive and on-track to consistently meet and exceed expectations. Sales expert with unparalleled communication and relationship-building talents.

Collateral Specialist - Hancock Whitney Bank - Montgomery AL

(2025-01)

• Produced monthly reports on collateral utilization and performance, providing insights to senior management for strategic decision-making.
• Actively participated in internal audits, ensuring the collateral management function met all necessary compliance standards.
• Facilitated quarterly reviews of collateral policies to align with industry best practices and enhance operational effectiveness.
• Reviewed and approved collateral requests, ensuring alignment with organizational risk management policies.
• Monitored changes in regulatory requirements and industry trends to ensure the collateral management process remained compliant.
• Developed and implemented best practices for collateral valuation, resulting in a 15% reduction in processing time.
• Managed the processing of land release applications, ensuring compliance with local regulations and guidelines.
• Managed daily operations related to property tax processing and ensured compliance with local regulations.
• Managed the processing of reinscriptions on properties to ensure compliance with legal and regulatory requirements.
• Managed daily operations to ensure timely and accurate recording of deeds of trust and mortgages across various jurisdictions.

Customer Service/ Loan Assumption Processor - Alabama Housing Finance Authority - Montgomery, Alabama

(2022-04 - 2023-05)

• Reviewed and validated loan applications and closing documents, ensuring accuracy and compliance.
• Compiled essential paperwork, including title abstracts, insurance documents, and tax histories.
• Updated and maintained customer files and regulatory records for streamlined operations.
• Communicated application status to applicants through various channels, enhancing transparency.
• Submitted completed loan packages to title and escrow professionals, ensuring timely processing.

Store Manager - Curo Management

(2014-02 - 2022-04)

• Processed daily paperwork, balanced register drawers, produced staffing schedules, and prepared deposits.
• Managed inventory tracking and physical inventory counts to minimize loss.
• Balanced sales, reconciled cash, and made bank deposits to facilitate opening and closing duties.
• Delivered excellent customer service and adhered to standard practices to maximize sales and minimize shrinkage.
• Resolved customer complaints and adjusted policies to meet changing needs.
• Established and enforced clear goals to keep employees working collaboratively.
• Provided ongoing training to address staff needs.
• Identified and corrected performance and personnel issues to reduce impact to business operations.
• Maintained operating schedules to provide effective coverage for key areas and achieve objectives.
• Coached staff members to develop long-term career goals.
• Reviewed loan agreements to verify completeness and accuracy according to applicable policies.
• Met with applicants to obtain information for loan applications and answer questions about processes.

Assistant Store Manager - Approved Cash Advance

(2011-08 - 2014-02)

• Assisted in continuous development of effective store associates to achieve desired sales and results.
• Interviewed and vetted job applicants to make effective hiring decisions and fill vacancies with strong team members.
• Collaborated with staff to maximize customer satisfaction, streamline procedures, and improve bottom-line profitability.
• Supervised cashiers in processing credit, debit, and cash payments to streamline sales.
• Oversaw daily operations of store, including inventory and supply restocking, cash-handling and assisting customers.
• Recruited, interviewed and hired qualified employees to provide top-quality service.
• Analyzed inventory trends to guide product ordering and develop sales promotions to minimize overstock.

Office Manager - Second Chance Foundation- Nonprofit - Montgomery AL

(2023-04 - 2025-09)

• Manage daily operations, coordinate schedules, and oversee administrative tasks, enhancing office efficiency.
• Implemented new filing system, reducing retrieval time by 40%, improving document management.
• Streamlined communication channels, fostering better collaboration among team members.
• Developed and maintained budgets, ensuring financial health and resource allocation.
• Resolved conflicts and issues promptly, maintaining a positive work environment.

Some College (No Degree) - Business - Troy University

Some College (No Degree) - Strayer University

High School Diploma - Autaugaville School (2003)