CARRIE ROLÓN

actat7@r.postjobfree.com /Mobile 321-***-****

*** ******** ****** ****, ******* Island, Fl 32953 TOP-PERFORMING PRODUCER Exceed quotas, cultivate loyal relationships, deliver growth and excellent customer service. Financial Projections, Business Development, Regulatory Compliance, Relationship Management, Internal / External Audits, Financial Statement Analysis, Customer Service Oriented. Bilingual (Spanish / English) and Team Player. Proven strengths building a commercial book of business; launched a commercial banking center that grew to $105MM in production in 4 years; exceeded individual production goals each month, closing

$1.2MM monthly. Highly analytical, with significant auditing and compliance experience; engaged in internal special investigations, partnered with external auditing firms and repeatedly identified opportunities to reduce organizational exposure. Keen relationship builder who cultivates internal and external relationships to generate strong levels of support, repeat and referral business; proactively seek referrals, asking each client for three contacts a key to my success. PROFESSIONAL EXPERIENCE & ACHIEVEMENTS

Appstar Financial Brevard, FL 2015 to Present

Business Area Sales Manager

• Business Development; promote Merchant Services, and Commercial Loans for business clients.

• Responsible for training and coaching new representatives.

• Exceed customer expectations and provide superior customer service.

• Build rapport and expand relationships to increase sales and obtain referrals.

• Responsible for managing customer’s portfolios and provide recommendations when necessary. REGIONS BANK Melbourne, FL 2013 to 2015

VP/Manager

• Team leader for the branch of 6 employees for the production of Credit Cards, Accounts, Business Loans, Helocs and Heloans.

• Portfolio Management and provide excellent customer service.

• Ran full cycle of visit, origination, preparing package and submitting to credit committee, approval and legal closing. WELLSFARGO BANK Miami, FL 2011 to 2013

VP/Business Banker

• In charge of 5 branches for the production of Business Loans, Business Credit Cards, Accounts and expand relationship to retail side.

• Portfolio Management

• Train, develop, mentor and support staff

• Created detailed reports and submitted to upper management

• Ran whole cycle from visit, origination, prepare package to presenting to credit committee and closing. SPACE COAST CREDIT UNION Miami, FL 2008 to 2011

VP/Business Service Manager

• In charge of 5 branches for the production of Business Loans, Portfolio Management, Analysis and Presentation of Loans to Credit Committee.

• Directed entire cycle from identifying prospects to preparing presentation, approval and closing of business transactions. DORAL BANK Hato Rey, PR 2003 – 2008

VP/Regional Manager

• Business Development Originated the commercial loan function for Doral Bank and expanded throughout a 16-branch region to produce as much as $105MM; personally secured 12%, or $13MM of total revenue.

• Directed the entire production lifecycle from identifying and qualifying prospects to presenting for committee approval, closing and collecting on loans, and administering portfolio.

• Acted as an internal advisor to business clients, managing their product and service suite to ensure it continued to meet their financial needs.

• Oversaw the development and production of 5 commercial managers and 16 branch managers

• Documented all regulatory requirements in English. Key results included: Grew commercial loan business from $3MM in 2003 to second-year totals of $65MM; continued to expand sales, increasing by 30% in year 3 to reach $85MM, and further boosting in subsequent years to reach $105MM.

• Impetus for a major bank restructuring as the President noticed the strength of commercial loan production; called in to impart the “secret” behind my success and asked to launch a commercial banking center.

• Drove unprecedented revenue gains by conducting intensive market analysis to identify emerging opportunities and cultivating sustainable client relationships built on trust and integrity.

• Ensured complete compliance with lending regulations, and in 2007, refocused team to support an extensive FDIC audit; continued to service existing clients and close million-dollar plus loans in progress. NATIONAL MORTGAGE Bayamon, PR 2000 – 2003

AVP/ Mortgage Manager

• Surpassed origination and closing quotas by 33.3% and 6.6% respectively, by aggressively marketing mortgage and commercial loan portfolio to banking institutions and investors.

• Independently managed the loan qualification and processing lifecycle, providing banks with cases that fit within their lending requirements. Key results included: Originated an average of 20 loans each month and secured a closing rate of 80% by diligently prequalifying clients to optimize approval ratings when passed to the lending institution.

• Built collaborative referral relationships with banks including RG Mortgage, BPPR, FirstBank, Doral Mortgage, Sana Mortgage, and Centro Hipotecario WELLS FARGO /ISLAND FINANCE Manati, PR 1995 – 2003 AVP/Regional Manager

• Oversaw production throughout an 8-branch region, and, in less than 12 months, catapulted region from 6th place (out of 6 regions) to 1st place in sales, mortgage loans closed, and commissions charged.

• Guided branch management and office staff in servicing a blend of residential and commercial clients, marketing a comprehensive portfolio of loan products, maximizing commissions, and optimizing customer satisfaction.

• Thwarted significant risk for the company by auditing processes and identifying unscrupulous practices by one individual. Key results included: Selected to investigate a branch in another region and identify practices causing its demise; in short order, and without direction, identified internal theft, implemented corrective actions, and realigned branch.

• Closed 95% of loans with a commission rate of 6%, far surpassing company goal of 3%, by demonstrating to clients the value of swift, diligent, and courteous customer service. Additional Experience

Banco Popular de Puerto Rico Manati/Arecibo, PR

AVP - Relationship Officer

• Prepared management reports and collected on delinquent accounts when necessary.

• Made lending decisions for 8 branches, overseeing the entire production cycle from qualification through closing. Internal Auditor

• Banco de Ponce, Hato Rey, PR Charged with maintaining 100% compliance activities throughout 48 branches and more than 20 departments, ensuring understanding of, and adherence to, local and federal regulations.

• Led special investigations and partnered with the auditing firm of Peat Marwick Mitchell & Co. to support internal auditing activities; researched issues, issued reports, and made recommendations for improvement.

• Commercial Credit Class Instructor – Asociacion Ejecutivos de Cooperativas Invited to teach 3-day commercial credit classes for 10 groups of 30-35 professionals. Education and Training

UNIVERSITY OF PUERTO RICO Rio Piedras, PR - Graduated BBA-Business Administration Major in Accounting and Computers

• Certified Loan Analyst

• Completed additional training in the areas of: Business Administration, Human Resources, Computer Technology, Credit Administration, Auditing, Local & Federal Compliance, Flowcharting, Mortgage Ware, Mortgage Compliance, & Commercial Credit

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