Customer Service Sales
Resume:
Denise Baker
Deerfield Beach FL 33442
*************@*****.***
Personal Banking Representative/Customer Service
Financial and banking profession with more than 26 years of multifaceted
experience in sales, customer service, personal banking representative, new
accounts, mortgage origination, marketing, loan financing, financial
analysis, risk evaluation. Portfolio loan underwriter with expertise in
analyzing, structuring and conforming loans, as well as developing and
implementing training for mortgage brokers and sales personnel. A top
producer for cross selling bank products, and originating for retail and
wholesale mortgage production
AREAS OF EXPERTISE
[pic]Client Needs Analysis [pic]Time Management
[pic]Expense Control
[pic]Confidential Files [pic]Interpersonal Skills
[pic]Problem-Solving
[pic]Training & Development [pic]Crisis Management [pic]Customer
Service
[pic]Patient Relations [pic]Case Management [pic]Quality
Assurance
PROFESSIONAL EXPERIENCE
Top Quality Trim Carpentry Inc. 12/2009/Present
Customer Service, book keeping, appointment setting
Wachovia
Corporation
1997-11/2008
(Merger with World Savings)
Account Executive
Specialize in residential mortgages held as assets in company's portfolio
Evaluate and interpret applicable corporate and government regulatory
guidelines
Responsible for direct mortgage lending to retail clients, including
packaging and processing through closing
Assess all loan variables, determine conditions for loan approvals and make
final underwriting decisions
Consistently exceeded all production goals and objectives
Personally handling upwards of $2.5 million in loan volume monthly
Interface with and educate Brokers, Realtors and customers, regarding loan
programs, products, alternative financing solutions and procedures
throughout the process
Recipient of multiple awards for superior performance, including TOP Award
for "President's Club" as well as "Shared Success Award"
Selected to pioneer a new branch of retail lending utilizing mortgage
solutions from other financial institutions
Exclusive mortgage lender for five real estate offices
Created and implemented marketing programs with promotions, sales material
and presentations; received "Most Creative" award
Top Sales Producer for South Florida
Served as Community Service Organizer and Volunteer, involving
participation in various community charitable events such as Habitat for
Humanity, Relay for Life, Chambers of Commerce, Little League Board
BankAtlantic 1985-
1997
Bank Branch Manager
Sales and Service Manager
Personal Banking Representative
Teller
Fully responsible in overseeing daily activities, distribution and
accomplishment of branch goals consisting of: increased deposits, consumer
loans, mortgage loans and commercial loans
Directed the security and compliance of bank procedures and audits
Knowledge/Skills
Customer Service- Knowledge of principles and processes for providing
customer service. This includes customer needs assessment, meet quality
standards and evaluation of customer satisfaction.
Economics and Accounting- Knowledge of economic and accounting principals
and practices, the financial markets banking and the analysis and reporting
of financial data.
Sales and Marketing- Knowledge of principals and methods for showing,
promoting and selling products and services. This includes marketing
strategy and tactics, product demonstration and sales techniques.
Active Listening- Giving full attention to what the client is saying,
taking time to understand their needs, probing to uncover additional
services.
Critical Thinking-Using logic and reasoning to identify the strengths and
weaknesses of alternative solutions, conclusions or approaches to problems.
Service Orientation- Actively looking for ways to help people as well as
the organization.
References provided upon request.
Contact this candidate