Joseph Kharshoum

Business Development professional

acd113@r.postjobfree.com

Experience

Territory Sales Representative at Trend Financial

July 2012 - Present (1 year 11 months)

Trend has the ability to help any client, regardless of their credit, who is simply looking for someone to listen

and understand their circumstances.

With every applicant looking for a loan there is a story that goes along with it. This story cannot always be

understood by simply reading a client’s credit bureau. Unlike the bank mentality, we understand that life is

not always black and white and we are here to offer a little shade of PURPLE into the mix

Director of Consumer Direct Loans at Crelogix Acceptance Corporation

April 2011 - June 2012 (1 year 3 months)

responsible for achieving the strategic initiative of establishing, developing, launching and selling a direct

offering to consumers who could benefit from a personal loan

8 recommendations available upon request

Director of Marketing at Crelogix Credit Group Inc.

March 2010 - April 2011 (1 year 2 months)

My mandate was to work with Crelogix business line leaders and coordinate marketing initiatives across all

business lines insuring successful, cost effective campaigns.

1 recommendation available upon request

District Manager at Crelogix Credit Group Inc.

September 2009 - March 2010 (7 months)

Work with Doctors and clinincs to provide cost effective financing for their patients

Account Branch Manager at CitiFinancial

June 2007 - May 2009 (2 years)

# Generated 1.4m new loan dollars in 2008

# Ranked 23rd over 186 associates for 2008

# Drove Real estate sales from $4.5 million total receivables to over $ 7 million in receivables in less than one

year in the Brantford Branch

# Grew mortgage business from 700k to 1.5m in 3 month in the Caledonia Branch

# Generated an average of 3.16 mortgages per month against a company expectations of two

# Managed a branch of 5 employees

# Trained staff and held accountable for their sales targets

# Set targets for branch and individual account managers

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# Sold financial services to our retail customers

# Maintained customer accounts

Department Sales Manager at Future Shop

November 2005 - January 2007 (1 year 3 months)

# Consistently met and exceeded department sales goals

# Implement company training programs & follow up on associate completion as required.

# Provide associates with ongoing coaching & training opportunities.

# Ensure merchandising, planograms and project kit timing & standards are met.

District Peer Trainer at The Home Depot

November 1995 - June 2005 (9 years 8 months)

# Trained and coached new associates, current associates, and managers on Home Depot computer programs,

processing special orders, sales techniques including qualifying and closing sales

# Developed training classes for specialty areas such as installation of sales program and pro desk programs

# Trained store managers and assistant mangers on various reports including P&L

# Presented and guided store managers on how to track and set individual associate sales goals

# Coordinated and trained sales staff of over 250 to qualify, recommend and sell install projects

# Responsible for planning and achieving sales goals, achieving target markdowns ratios

# Grew the special services sales from 8% of district sales to over 12% in one year; taking sales from $33.6m

to $50.4m an increase of $16.8million

# Reduced associate error markdowns from 6.2% of install sales to 1.8% generated an extra income $114,000

annually

4 recommendations available upon request

Assistant Manager at Avco Financial Service

February 1992 - January 1995 (3 years)

# Sold financial services to clients through cold calling and merchant generated leads

# Sold loans, mortgages and merchant credit

# Underwrite all loan and mortgage applications

# Developed and trained staff

# Maintained a delinquency rate to industry and company standards

# Negotiate with merchants and sell our credit services

# Responsible for branch profitability by controlling expenses and making sound loan decisions

Operations manager at Kmart Corporation

March 1986 - January 1992 (5 years 11 months)

# Reported directly to store manager

# Responsible for whole store operations including scheduling, financial and customer service

# Set sales, P&L goals and drove team to achieve those goals

# Responsible for training all department managers

# Held department manager and their sales force accountable for store appearance, stock position and sales

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# Day to day operations, making sure that customer satisfaction is forefront for all associates

Languages

Arabic

Organizations

Toastmasters

VP marketing

March 2011 to March 2012

Skills & Expertise

Loan Origination

Loan Closing

Credit Evaluation

Loans

Personal Loans

Selling

Credit

Customer Relations

P&L Management

Account Management

Team Building

Business Planning

Portfolio Management

Retail

New Business Development

Customer Service

Credit Risk

Underwriting

Competitive Analysis

Risk Management

P&L

Team Leadership

Salesforce.com

Compliance

Market Planning

Marketing Strategy

Hiring

Profit

Credit Analysis

Team Management

B2B

Strategic Planning

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Coaching

Negotiation

Consultative Selling

Excel

Change Management

Sales Management

Operations Management

Lead Generation

Business Management

Contract Negotiation

Product Development

Customer Satisfaction

Mentoring

Key Account Management

Sales Process

Direct Sales

Income Statement

Mortgage Lending

Education

Trent University

math, 1983 - 1986

Summary

A successful Business development Professional with a dedication to increasing company revenues while

building and maintaining client relationships; well-developed disciplined and a winning philosophy with a

Hunter mentality ; solid expertise in providing independent, hands-on leadership to facilitate business growth,

key account management, and revenue growth directives.

Specialties

People, technologies and ability to develop and execute plans

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Joseph Kharshoum

Business Development professional

acd113@r.postjobfree.com

13 people have recommended Joseph

"I’ve worked with Joseph since April of 2010. He is a hard-working, dedicated employee always willing to

take on new challenges, learn new things and help out wherever he can. I would not hesitate to recommend

Joseph for any future endeavors."

Andy Lalli, Managing Director, Crelogix Credit Group Inc., managed Joseph indirectly at Crelogix

Acceptance Corporation

"I been working with Joseph for one year and his talent always been a plus for the company"

Michel Rivest, Regional Sales Manager, Crélogix Acceptance, worked directly with Joseph at Crelogix

Acceptance Corporation

"Joseph is a very dedicated, hard-working marketing professional with whom it is a pleasure to work. He is

very supportive, and always willing to do whatever it takes to help achieve our mutual success. Joseph is the

consummate "Team Player"."

Neil Connolly, Managing Director, Crelogix Acceptance Corporation, worked with Joseph at Crelogix

Acceptance Corporation

"I have known Joseph on both a personal and professional level for over 25 years. His ability business

acumen is strong and is extremely focused. Joseph has an eye for detail and conducts himself in a

professional manner."

Terry Wallace, General Manager, Home Depot Canada, worked directly with Joseph at Crelogix

Acceptance Corporation

"Joseph is a dedicated worker that thinks outside the box to get things done. He has been extremely helpful to

me and my team with all our marketing efforts and vision."

Joel Harrison, Managing Director, Crelogix Credit Group Inc., worked with Joseph at Crelogix

Acceptance Corporation

"Joseph is a professional, hard-working Director of Marketing, and a pleasure to work for."

Heather Matthews, Author/Freelance Writer, Self Employed, reported to Joseph at Crelogix Acceptance

Corporation

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"Joseph is a sales machine who is very technologically advanced. Putting good sales tactics with strong work

ethic and technologic savyness is a good mix and works well for Joseph."

Pierre Genest, Managing Director, Power Products, Travelers Acceptance Corporation, managed Joseph

at Crelogix

"I have worked with Joseph for the past year with Crelogix.I have found Joseph to be a professional,

hard-working Director of Marketing, and a pleasure to work with."

Trudy Olsen, Sales Associate, Membership Finance, Crelogix Acceptance Corporation, worked indirectly

for Joseph at Crelogix Acceptance Corporation

"I have known Joseph personally and professionally for quite some time. Professionally, Joseph is a dedicated

leader with years of experience and a humble leadership style that allows others around him to flourish and

want to do their best. I would not hesitate to work with Joseph on any project especially if it requires him to

drive sales and revenue!"

Mamdouh Mina, CEO, Solid Computing Solutions, worked directly with Joseph at Solid Computing

Solutions

"Joseph is a one of a kind leader. Analytical, dedicated, creative and assertive are just a few of Joseph's core

leadership qualities. Joseph is also a very likeable leader and earns respect quickly from his people. Joseph's

team always strived to give the best performance possible in order to support him as a leader."

Jason Woods, Sales Manager, Future Shop, worked directly with Joseph at The Home Depot

"Joseph is a highly motivated and capable Manager. Besides his experience, Joseph brings to the table a keen

understanding of the customer service aspect of his role and a very upbeat and vibrant personality that will

make him successful."

Roy Spear, Senior Manager of Operations, The Home Depot of Canada, managed Joseph indirectly at

The Home Depot

"Joseph is very customer-oriented, well-organized, success-driven professional who does his best in bringing

prosperity to the company he works for. It's been my pleasure to work with Joseph since he is very

supportive, positive and reliable. He is a valuable team-player at any time in any place."

Olga BABII, Bilingual Administrative Associate, Vendor Support Team, Crelogix Acceptance

Corporation, worked with Joseph at The Home Depot

"Joseph is very dedicated to his job at all times & is willing to go the extra mile to get the job done to satisfy

his customer. It was a pleasure to work with Joseph & I learned alot from him, especially about how to deal

with diffucult situations & remain calm. Thank you Joseph!"

Lisa Bonnell, Expeditor, Home Depot, reported to Joseph at The Home Depot

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