Customer Service Sales

RANJANA JOSHI

**** ********** **, *** **** CA ***35. Ph: 408-***-**** email:

*********@*****.***

OBJECTIVE:

To obtain a position that will enable me to use my strong organizational

skills, educational background, and ability to work well with people.

SUMMARY:

5 years of experience in wide-ranging

fields including financial management firms, travel consulting and an

educational institution. Northwestern Polytechnic MBA with MS and BCOM

degrees in accounting. Strong management, sales and customer service

experience while serving these roles.

PROFESSIONAL EXPERIENCE:

Avex Funding Corporation, Milpitas, CA

Jan 09-Current

Loan Processor/Consultant:

. Responsible for modifying, selling and re-financing home loans.

Consistently exceeded sales targets.

. Responsibilities included determining credit worthiness of borrowers

by analyzing credit documents and reviewing loan conditions and HOA

documentation. Analyzed loan documents, calculated debt to income

ratios and determined additional information required for

qualification for a loan. Assisted customers through the entire loan

funding process.

. Worked closely with borrowers, loan processors, underwriters, banks

and other cross-functional teams who play an integral part in funding

of the loan.

Mercury Trip, San Jose, CA

Feb 07 - Jan 09

Travel Consultant

. Utilized relationship selling to maximize leisure & business travel

experiences for clients and built a loyal base of repeat clientele.

. Expertly served clients by selling various travel products offered by

the Agency to satisfy customers travel needs.

. Consistently achieved or exceeded established sales quota while

delivering friendly customer service.

. Prepared and issued invoices related to travel sales and

satisfactorily handled refunds and complaints.

CitiFinancial, Hyderabad, India

June 05 - July 06

(Division of Citigroup)

Personal Loan Consultant

. Successfully sought customers who required personal loans. Analyzed

risk and credit worthiness for loan approval and helped customers

through understanding loan terms and conditions while working closely

with the Citibank's loan processing teams.

Joshi's Educational Academy, Hyderabad, India June

03 - June 05

Supervisor & Accounts Assistant

. Responsible for day to day operations like scheduling, class

management and student performance appraisals.

. In-charge of accounts management of an educational institution with

more than 300 students. Responsibilities included assisting Accounts

manager with maintaining the institutions' financials including

journals, ledgers and balance sheets using accounting tools like

Tally, Wings & Focus.

EDUCATION:

M.B.A in Finance, Northwestern Polytechnic University, Fremont, USA

(June'09)

. Top performer in classes which included Financial Management,

Auditing, Corporate Finance, Managerial Accounting, Strategic

Marketing and Quantitative Business Methods.

. Active participant and top contributor in all group discussions,

project planning, execution & presentations.

M.S in Accounting, Osmania University, India

(May, 05)

. Project work on determining customer perception on a new automobile

introduced in India at that time. Project involved preparing relevant

questionnaires, data collection and sales analysis by interaction with

a wide customer sample to understand customer needs and perceptions in

different cities.

B.S in Accounting, Osmania University, India

(May, 03)

Diploma in Software (Accounting), CMTES Informatics Limited,

Hyderabad, India (2006)

Computer Skills:

Accounts software: QuickBooks, Tally, Wings and Focus. Complete Microsoft

Office tools suite including Excel, Word and PowerPoint.

Contact this candidate