Sales Manager

Victor A. Novoa

*xnard, California ************@*****.*** 818-***-****

Regional Financial Sales Representative

Strategic Sales Planning / Market Expansion / Relationship Management

Dynamic, results driven sales strategist with an 11+ year record of

achievement and demonstrated success, driving multi million dollar sales

growth while providing outstanding sales leadership in highly competitive

markets. Tenacious and resilient in building new business and forging

strong relationships.

Core competencies include:

Team Building Regulatory Compliance Key Client Retention

Community Relations Relationship Management Financial Analysis

Contract Negotiations High-Impact Sales Presentations Strategic planning

Professional Experience

REGISTERED BANKER 2 / BROKERAGE ASSOCIATE 2008-CURRENT

Wells Fargo Investments / Wells Fargo Bank Port Hueneme, California

> Identify client needs, Analyze detailed financial and credit data,

define financial goals and create complex financial models and plans.

> Make recommendations for clients to achieve their financial goals and

objectives through individualized strategies.

> Demonstrate technical expertise and strong interpersonal skills as

well as provide exceptional service throughout sales process.

> Maintain Working knowledge of interpretation of financial statements

as apply to personal and business accounting and finance principles.

> Provide a full range of consumer and business investment, insurance,

credit and banking products and services.

> Conform to legal and regulatory requirements and guidelines associated

with FINRA, SEC, CISC, WFB and WFI.

> Develop and maintain relationships with internal and external partners

to maximize sales opportunities.

BUSINESS RELATIONSHIP MANAGER 2006-2007

Commercial Finance Group Burbank, California

> Cultivate high profile relationships with partners such as

accountants, brokers, bankers, lawyers, venture capitalists etc.

> Participate in marketing activities, including trade shows,

conferences, associations, social and networking groups to promote

company.

> Advance successful businesses development campaigns, leveraging

personal strengths to acquire and maintaining client relationships.

> Create and present special or standard proposals including, pricing

quotations, terms of contract and collateral allocation.

> Prepare and submit recommendations to Credit Committee and ensure a

smooth take-on of new clients.

> Work with General Manager and Regional Sales Manager to identify

market changes and revise strategy.

> Maintained and managed a regional home office with independent budget.

Selected Achievements:

o Revived old relationships with partners and former clients which led to

$9.5M in new contracts.

o Implemented strong marketing campaigns with news letters and e-mail

distribution pools. Efforts resulted in 45% growth in book of business

and a 75% growth of pipeline.

Victor A. Novoa ( Page 2

Professional Experience Continued

SENIOR PERSONAL BUSINESS OFFICER 2004- 2006

Telesis

Community Credit Union, Westlake Village, California

> Oversee all local sales and business development functions for assigned

regional market.

> Provide cross-functional team training, coaching, and mentoring.

> Consistently developed strong, sustainable relationships with local

business leaders and executives of local companies.

> Work with network of personals, branch managers and marketing associates.

> Devise and implement innovative marketing and promotional sales events to

further support financial and asset growth

> Key high profile account management, customer relationship development,

and active community involvement.

Selected Achievements:

o Instrumental in complete turnaround of under-performing business sales in

three separate regions. Set higher expectations and instituted

individual sales plans for the successor business officers

resulting in successful integration.

o Met or exceeded all quotas though out tenure, averaging more than $10

million in annual lending volume and more than 120 new memberships.

Earning promotion to Senior Business Officer and received recognition

for outstanding performance.

.

SENIOR LOAN COORDINATOR / UNDERWRITER, 2002 - 2004

Washington Mutual - Chatsworth, California

> Provided direct support for multiple clients in pipeline management.

Underwrote and rendered decisions on level three signing authority.

> Managed all daily operations for Jr. Loan Coordinators including

overseeing interim goal achievement.

> Performed training on policy, product and procedure changes and was first

contact for client conflict resolution.

> Ensuring compliance with lending regulations, Implementing and

maintaining policies and procedures.

JR. LOAN UNDERWRITER, 2000 - 2002

Countrywide Home Loans - west Hills, California

> Under writing correspondent loan packages, documented and closed

mortgage loans concentrating in residential and construction loans.

> Approved interim financing on loan level basis to authorized sellers.

Maintained working knowledge of HELOC, FNMA, FHA and VA guidelines.

> Exercise courteous, effective, and timely customer service to clients.

Technical Expertise:

o Proficient in Microsoft Office Applications

o Underwriting systems; DU,LP,Gems

o Currently hold licenses: series 6, 63 and state life and variable

contracts

References available upon request.

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