Customer Service Sales

Summary of Qualifications:

** ***** ******** ** ********, Consumer Direct and telesales, 18 +years in

consumer lending, 18 Years preliminary underwriting reviews 6 +years

management,5 years community relation, 2 years Volunteerism with various

non-profit organizations

Professional Experience

Automotive Lending Experience

JD Byrider/CNAC March 2014 - Present ) (Branch Underwriter)

*Analyze information received from credit applications and credit reporting

agencies. *Make prudent credit decisions. *Negotiates terms and conditions

of loan decisions. *Conducts real-time customer interviews and

investigations on non-prime credit applications.

Mortgage Loan Officer Experience

Huntington National Bank December 2009 - March 2014 ) (Mortgage Loan

Officer )

JP Morgan Chase, NA January 2003-June 2006 (Mortgage Loan Officer )

Huntington National Bank July 1995-April 1997 (Sr. Personal Banker)

*Originated mortgage loans in a national call center. *developed referral

relationships with realtors, builders, bankers, inbound bank service center

and other sources. *Conducted sales-related activities, across 48 states.

*Counseled customers, takes applications, conducts preliminary underwriting

reviews, and submits loan applications.

Account Executive Experience

M&T Bank July 2007-October 2007 (Company Closed Operations in Ohio 12/2007)

(Account Executive)

New Century Mortgage July 2006-February 2007 (Company Bankruptcy 2007)

(Wholesale Account Executive)

National Finance Corp March 1999-February 2000 (Operations closed January

2000) (Wholesale Account Executive)

*Generated loan volume with Home Builders, realtors and various non-profit

organizations. *Called on existing accounts to increase loan

volume. *Trained new and existing accounts on submission process, clearing

conditions and new loan programs. *Resolved issues with loan files in

conjunction with Processing, PC's, Underwriting and Closing. *Obtained

information about competition concerning rates, programs and turn-times.

Retail Banking & Lending Management Experience

Ohio Savings Bank, NA March 2000-May 2001 (Sr. Banking Officer )

Fifth Third Bank April 1997- April 1998 (Formally Great Lakes Bank)

(Lending Manager)

Charter One Credit Corp July 1998-March 1999 (Columbus Branch closed April

1999) (Branch Wholesale Manager)

*Provided support, guidance, and training to staff cross sales and lead

generation.*Responsible for the administration and efficient daily

operation of a full service branch office, including operations, lending,

product sales, customer service, and security and safety. *Developed new

deposit and loan business. *Promoted the sales and service culture through

coaching, guidance and staff motivation.

Call Center Management Experience

Facilitysource October 2007-February 2010 (Call Center Manager)

Safelite Auto glass December 2000-December 2002 (Sales Supervisor)

*Responsible for the daily running and management of the

center.*Responsible for meeting, and setting, customer service targets as

well as planning areas of improvement or development.*Set goals for

performance targets for speed, efficiency, sales and quality.*Monitored

random calls to improve quality, minimize errors and track operative

performance.*Coordinated staff recruitment

PROFESSIONAL TRAINING

FAIR LENDING (Columbus, OH) 1996, 1998, 2000, 2003-

2007,2009-2013

SYSTEMATIC SELLING (Cleveland, OH) 1998

GET THE LEADERSHIP EDGE (Illinois) 1999,2000

INDUSTRIES BEST (Columbus, OH) 2001

TRAIN THE TRAINER (Columbus, OH) 2003-2006

EDUCATION

YOUNGSTOWN STATE UNIVERSITY 1989-1991 Business Management

AMERICAN INSTITUTE OF BANKING 1996 Accounting

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