
My day begins around 6:00 A.M. with getting our youngest two up and ready for school. After they are out the door for the day, I usually do a quick run and get myself together to head into the office.
As part of my morning routine at home, I always check my emails and respond to anything before I arrive at the office so that it is all taken care of. I take calls at home as well, as I keep my office phone always forwarded to my cell phone since I am in and out so much.
Every day is different, which is one thing I love about this area of the bank! I cover the Louisville and Shelbyville Markets, so I am usually juggling around onboarding and training for around 4-6 customers at a time. I cannot say enough how much Treasury Management Support helps me daily.
A quiet day in my life includes prospecting with our lenders and researching various companies to call on for a visit. I also spend quite a bit of face time with our clients by training and installing scanners. Louisville puts on a cyber seminar annually, so I tend to spend time working on preparing for the meeting with other presenters and law enforcement.
On a recent busy day, we had a client experiencing an emergency. I spent the day quickly assisting them and communicating with different departments of the Bank to get everything sorted out!
Today, however, I am dropping off an RFP to a client in Shelbyville before I go to my office. The bids were being opened later in the afternoon, so I knew I had a few hours to take care of some onboarding clients in Louisville prior to attending the bid back in Shelbyville.
The onboarding process starts with the initial meeting with the client, which I prefer to do in person. We talk through how they currently operate, go over what they are looking for and discuss what Independence Bank can offer with our products. I ask each new client for bank statements to do an activity analysis to ensure we put them in the account that best suits their needs. Today, I had statements from an HOA that was displeased with a different financial institution. From previous discussions with the client, I had everything prepared to set up ACH origination with their accounts. In a previous meeting, I also had Brian Stivers from our Trust team join us, as they are interested in purchasing bonds for a higher yield as well. I try my best to truly listen to what the customer’s goals are and match them with the best offering to satisfy their needs.
I reviewed the statements and communicated next steps with the client, which include more documentation and information to get the accounts set up. With everything wrapped up with my client for the day, I move on to the next thing on my plate! I begin emailing out some Treasury agreements for a client we are onboarding in Shelbyville. I typically will do my own agreements, but if I am just completely covered up, I will ask Treasury Management Support to prepare and send them to our clients for e-sign. After I prepare their agreements, I work on Treasury Management approval to send up the approval chain. Part of the approval process is making sure we have the proper statements and records on the guarantors. Depending on limits, we may require additional information.
While I work on this, I am also responding to client emails and assisting with any issues they are having. We have a couple of clients this particular day that are sending international wires, so we are exchanging multiple calls a day to verify the transactions, and I am working with Treasury Management Support to get those completed.
By the time everything is settled with my onboarding client and the wire transfers, it is time I head back to Shelbyville to attend the bid opening so we can see what rates the other banks offer. After the meeting, I have a call with Brian to let him know the details and then email others on the team to keep them in the loop as well.
After the bid, it is close to the end of the day. Next on my calendar is a networking event at a local restaurant. It seems getting some clients out to lunch is difficult and I see more people out later in the day. Since learning this, I try to schedule networking client events or client catch-up meetings in the afternoon a couple of times a week. Getting to be out with Bank clients, new prospects and community friends always leads to great conversation.
I left at the end of the networking event to get my set of almost 15-year-old twins to their next spot. They play travel lacrosse, so our afternoon includes eating a quick dinner at home before heading off to practice or games for the rest of the day.