Earnings Enhancement


Merge operations of several financial institutions to reduce expenses and enhance revenue generating opportunities.


Performed a "Best Practices" review of Loan Operations, Deposit Operations, ATM Operations, and Credit Card Operations and established the target environment for the consolidated operations. Identified all non-standard products and processes and documented plans to eliminate them. Re-engineered workflows where needed. Developed a detailed capacity plan for all consolidated operations functions and determined proper staffing levels. Produced recommendations to enhance service levels in all operations functions to improve internal and external customer service.


Recommended target environment and other process improvements yielded $4.8 million in annual revenue improvements and cost reductions.