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Click here or scroll down to respond to this candidateCandidate's Name
Street Address PHONE NUMBER AVAILABLE EMAIL AVAILABLETo continue building upon my experience and knowledge while obtaining a career that provides the opportunity for growth and advancement in a challenging environment.Key SkillsCall Center ExperienceBanking OfficerDetailed-OrientedSelf-Motivated with extensive experience in the banking industryWorks well independently.Retail Management SalesExcellent Organizational SkillsExcellent Oral Communication SkillsClient RelationsManagementCorrespondenceInvoice Accounts PayableProperty ManagementAccount ReceivablesBasic Excel formulas, data analysis and vlookupsMortgage Loan OfficerData EntryQuick LearnerTeam LeaderProject ManagementBudget AnalyzingLoan ProcessorMHA UnderwriterTeam LeadBudget AnalyzingFinanceInvoicing PaymentsReconcilingBuyerComputer SkillsProficient use of ALL Microsoft Office ProductsPrinters, Copiers, Scanners, CalculatorsPostage MachinesIPortal StewartADP Dealer Service systemCDK Dealer Service systemAS400SalesforceJohn HenryAI Advance IntelligenceEdge Loan ProcessingLAMP (Linux)LMA Legal Marketing Assoc.LMF Loan Modification FormattingWPT World Point TerminalsUrban Document DictionaryIOrginateSilverlake/ ExperienceExperienceMphasis Corporation, June 2024 to PresentBanking Relationship SpecialistMiddle Market Banking Treasury SupportCorporate Finance Technical Data Entry Client onboarding specialist ACH payroll ACH Debit Blocking ACHChannel Setup and Maintenance Meet Project Deliverables AI/ML Cloud based skills - AWS and Azure Python,Spark Programming Statistical Analysis Wires Positive Pay Treasury cases completed as assigned Contributing to new sales targets Managing business relationships with portfolio book of clients Achieving portfolio growth objectivesFinancial management Managing payables for Bill Pay and ACH payments Handling receivables for Remote Deposit Capture (RDC) and lockbox servicesOptimizing liquidity with account management services for optimal cash positions and maximal returns Safeguarding against fraud and risk with employing tools like Positive Pay and account monitoringProject Management, chrome navigator OTM, Admin tool, IC Connect TrackerCertifications- Information Security Management System, Data Privacy, and Code of Business Conduct including Business Continuity Management System (BCMS) and Intellectual Property Assets Management (IP)Unemployed, Feb. 2024 to June 2024Independent Financial, Oct. 2023 to Feb. 2024Financial Center Relationship BankerActively participate in meeting financial center growth initiatives offering referrals and services to new and existing clientsAcquire, expand, and retain client relationships with existing clients and prospects to achieve target objectives.Participate in weekly coaching sessions with financial center leadership.Conduct discussions with existing clients and prospects to understand background and identify banking needs through effective profiling; clearly communicate potential solutions, merchant services.Participate in workplace banking events.Cross-sell all products and services to meet clients needs and achieve strategic objectives and retention goals.Refer to other lines of business in order to expand new and existing relationships.Conduct outbound sales activities (chamber/networking events, community events, meetings with local businesses) to establish visibility in the community and drive business to the financial center.Cultivate partnerships across business lines to obtain and provide qualified referrals and capitalize on secondary incentive plans.Execute integrated sales, relationship, and credit strategies that are aligned with the financial centers business plan.Take ownership of the client experience including onboarding and resolve service issues as appropriate through follow-up from self and other Bank resources following client transactions.Schedule periodic meetings and checkpoints with clients to provide value-added servicesFidelity Investments, Oct. 2022 to Oct. 2023Financial Customer AssociateResponsible for engaging with customers on behalf of their Fidelity investment needs.Answering phone calls or emails from customers to answer questions, participating in meetings with the customer service team to discover new communication tactics and maintaining expert knowledge about company products or services to best help customers.Help customers feel more confident, make clearer decisions, and achieve their own financial dreams.Assists with a broad range of needs including answering questions about their account balance and helping to make withdrawals, transfer funds, or find resources.Providing introductory information to new customersEnsuring that customers are satisfied with products or services.Following up with clients or customers to check that theyre still satisfied with any purchases.Let customers or clients know about additional products or services.Determining the quickest, most effective ways to answer a clients or customers questions.Escalating queries and concernsTroubleshooting common issues with a product or serviceWorking with a team of CSRs and other departments to find appropriate solutions.PNC Bank, Jan. 2022 to Oct. 2022Branch Banker (MLO)Works with new and existing clients to provide solutions through lending and companion products that require more complex sales techniques.Acquires and deepens the branch customer base through a variety of proactive sales and service activities. Manages the customer experience by identifying opportunities to improve the customer's financial wellbeing. Collaborates with ecosystem partners to grow customer's share of wallet. Positions PNC solutions to drive new revenue and customer loyalty.Drives proactive sales conversations through internal and outbound interactions with a defined sales process including outbound calling, service to sales, teller interactions, appointment setting and effective lobby engagement, ultimately elevating client loyalty. Delivers a full PNC conversation with every client interaction to identify appropriate PNC solutions. Leverages ecosystem partnerships as well as community Centers of Influence to acquire, expand and retain relationships.Creates customer loyalty and grows customer share of wallet through a differentiated customer experience. Performs lobby engagement activities to connect with customers and position PNC products to meet their needs. Educates customers on options for managing financial transactions by leveraging technology, tools and resources.Applies product and procedural knowledge to identify, mitigate and solve customer problems effectively to drive customer loyalty.Manages risk through adherence to all policies and procedures, demonstrating sound judgment within established limits. Demonstrates a heightened scrutiny to identify and avoid loss. Participates in branch daily operations, ensuring they are completed in an efficient and accurate manner.Customer Focused - Knowledgeable of the values and practices that align customer needs and satisfaction as primary considerations in all business decisions and able to leverage that information in creating customized customer solutions.Managing Risk - Assessing and effectively managing all the risks associated with their business objectives and activities to ensure they adhere to and support PNC's Enterprise Risk Management Framework.Bank of America, Trophy Club, TX, Oct. 2017 to Jan. 2022Lending Officer CS Employee LendingWorks with new and existing clients to provide solutions through lending and companion products that require more complex sales techniques.Currently working with multiple system applications to navigate enterprise products and recommend profitable solutions from unstructured inbound and outbound sales leads.Skillfully crafting lending products with companion products and pricing that result in customer sales.Demonstrating solid sales production in volume and units over a sustained time frame.Ability to handle multiple lines of business to support changing business needs.Independently work with other business units to expedite post-sale issues or problem resolution.This position is subject to SAFE Act registration requirements.Pursuant to the SAFE Act requirements, engaged in residential loan mortgage originations, registered with the federal registry system and remaining in good standing.Freeman Buick GMC Grapevine, Grapevine, TX, July 2015 to June 2016Title OfficerReview vehicle titles and applications for accuracy and completeness to include VIN, Odometer Readings and Release of Liens.Verify acceptance of title document and report any title discrepancies.Interact with customers, dealers and representatives of regulatory agencies in resolution of title issues.Coordinate price adjustments between buyer and seller if required.Maintain current knowledge of DMV regulations regarding vehicle titles for each state in which vehicles admin are processed.Pay drafts for incoming titles on bank payable draft lists.Perform other job-related duties as directed by supervisor.Processes all new and used vehicles for registration in the state in which they will be titled.Prepares tax and title documents.Submits all legal transfer work to the Department of Motor Vehicles.Verifies that funds have been collected and the correct lienholder paid off before processing title applications.Checks for accuracy in the application and ensures that all information is complete.Managing CVR inventory and bundle reportsMaintains a system to verify out-of-state titles.Reports to management on the status of any missing or problem titles and provides a current list of outstanding titles to the comptroller at the end of month.Ramey and King, Denton, TX, November 2014 to April 2015Account/ In-Take/ Property Management SpecialistAs an account/ in-take specialist I am responsible to manage inside and outside outstanding invoice balances/accounts, which include residential and commercial invoicing, aged account reporting, reconciling, thank you letters, managed all notary applications/accounts, managed and responsible for setting up commercial finance notes for all inside/outside agents, Receive and process all company credit card payments, review and answer daily correspondence via mail/ e-mail, metering/ sending mail for inside and outside agents.Daily interaction with property payments and accounting of residential accounts.Coordinate all staff activities, Setup interviews for management, Maintain management information systems.Most of the time is spent on the phone with Customers answering and resolving initial/ external service inquiries, while making effective and smooth transitions for accounts.Goal-oriented, possessing strong communication and relationship-building skills, with the ability to navigate multiple computer applications while engaged in conversation with Customers and agents along with management.Country Wide Home Loans/ Bank of America, Fort Worth, TX, August 2005 to August 2014Customer Service/ Escrow/ Sales Team/ OJT Coach-Trainer/ Loan Officer/ MHA Underwriter/ HSS Level-1 Loan Processer/ Customer Marketing Sales SpecialistCustomer Marketing Sales SpecialistAs a Bank of America Customer Marketing Sales Specialist, you are responsible for providing a seamless delivery of the service experience while recognizing appropriate ways to deepen relationships (sales) with each Customer.Most of the time is spent on the phone with Customers answering and resolving initial service inquiries, while making effective and smooth transitions into sales opportunities.Examples of these opportunities include offering and completing balance transfers and cash deposits into customers' checking accounts, as well as offering additional credit card products and services that add value for our customers and deepening relationship (sales) with the customer.Required to achieve monthly sales objectives, and maintain high call quality standards, which is measured in part by quality listening and Customer survey results.Goal-oriented, possessing strong communication and relationship-building skills, with the ability to navigate multiple computer applications while engaged in conversation with Customers.HSS-Level 1 Loan ProcessorThe primary function of the Loan Processor is to ensure the timely and accurate packaging of all loans originated by our loan officers.Responsibilities include Gather information and take each file from pre-approval to closing. Input proper loan information into the system for processing.Responsible for ensuring that all loan documentation is completely accurate verified and complies with company policy.Verify loan documents including income credit appraisal and title insurance ultimately preparing application for submittal to underwriting.Review file documentation and make sure all items needed are requested. Order and coordinate loan documents. Meet crucial deadlines requested. Perform any additional duties/activities assigned by management.Notarized Mortgage, Banking DocumentsMHA UnderwriterUnderwrite MHA residential loans ensuring compliance with appropriate guidelines.Examine loan documentation for accuracy and completeness.Working with originator or production staff to secure all required documents that are in the file to approve or decline applications.Responsibilities include one or several types of mortgage lending for conventional, government-backed loans.Loan OfficerRespond to customer inquiries and referrals that are generated by Bank of America business channels.Shattered performance expectations in sales goals every month.Conduct interviews with prospective and existing borrowers in order to analyze financial and credit data; to determine benefits of customer financing objectives, and to advise customers of product/pricing policies/ guidelines.Gather and discuss any additional requirements of information to ensure timely closing of loans, prioritize multiple competing task levels with heavily loaded pipelines, and oversee communication with process. Achievements Top Funder in volume and units consecutively each month.Notarized Mortgage, Banking DocumentsOJT Coach-TrainerAccepted a consideration for Team Lead position, many of the requirements prior to acceptance is to train all new hires for six months while I was in this position, I was approached by management to consider a promotion to Mortgage Loan Officer Position of which I accepted.Sales TeamLevel II customer service/escrow/sales team handled all the same requirements of customer service and escrow department with a pull through quotas for sales pertaining to selected customers for refinancing, second mortgages either fixed or HELOCs.EscrowHandled customer calls pertaining to escrow accounts only, answered questions on balances, shortages, overages, missing payments, applied credits, applied payments, and negotiated escrow shortages over longer periods for customer hardships.AT&T Wireless Services, Bothell, WA, August 1995 to February 1999Wireless Data Technician-Engineer/Assistant Store Manager, CSR, Trainer, Escalation Team ExecutivePositions held within the company started with Sales Opened several Kiosks across NV, and WA.Accepted a customer service position at Corporate Call Center then promoted to Escalation department to retain customers, accepted promotion as a Trainer for new hires.Accepted promotion to retail store management with sales exceeding monthly sales goals.Promoted to National Operations Network (NOC) as a Data Technician Engineer where I managed service contracts with vendors and government accounts to ensure compliance to outages and network connectivity as well as contract renewals.Completed testing on new Cellular Phones, Handled Outages with Sr Network Engineers and resolved Network Outages/ Connectivity.Ensured all Departments of Outages, completed tickets from Customer Service, and Escalation teams Nationwide.Dispatched COWs (Cell Tower on wheels) for Cell Tower issues nationwide. Sent out work tickets to field technicians for maintenance issues.Experienced in contract development, sourcing, negotiations, data analytics and contract management.All Pro Sports, Lake Stevens, WA/ TX, February 1994 to February 2009Owner/ OperatorNational Sports Memorabilia Authenticator, specialized in vintage and current day sports memorabilia.Employed and managed 20 employees from Seattle to California and Dallas.Operated my business part time from 2005-2009 while working for Countrywide, now Bank of America then accepted offer to sell company 9/2009.Primary day to day operations, project management, marketing, inventory, accounting of sales, met with grading companies to handle large volumes of merchandise, worked trade shows, and events to purchase and sell inventory.Circle K Corporation, Everett, WA, 1992 - 1995Assistant Store ManagerProvided excellent customer service, worked with Vendors for store operations with food and Beverage companies, ordering, stocking, Fuel Truck deliveries, daily deposits and training for Assistant store manager position.Professional AffiliationsBank of America, Fort Worth, TX (Amon Carter)Emergency Site Coordinator and Team LeadWorked with safety committees and building support in emergency situations, working with Fire and Police on emergency evacuation drills and have completed CPR defibrillator training.Lake Stevens Junior Athletic Association, Lake Stevens, WAPresident of the Board of a non-profit groupWorked with Major Leagues such as Seattle Seahawks, Mariners, Sonics, Sounders, Everett / Lake Stevens Park Departments, City Council Officials, youth groups such as YMCA, Boys and Girls Clubs, Lions, Masonic Lodges, and other nonprofit groups to gain sports equipment to community youths for Football, Soccer, Baseball, Basketball, Cheer Leading from pre-K to High School Levels in standard and select groups. Oversee and ensure all divisions president met league standards, held meetings, worked with officials for sporting events, and organized large fund raisers to fund new scoreboards, fields, equipment, uniforms, and scholarships for every sport in our organization. Managed Board of 12 members, 100 Coaches for all divisions, and 60,000 players to ensure safety, compliance to league statues.Education & CredentialsEdmonds Community College --- Edmond, WAHigh School Adult Diploma, 03/94Photography |
