Insurance Sales

Armida C. Espinoza

Katy, TX *****

***************@*****.*** Phone: 832-***-****

Decisive Finance and Administration Manager

Identify Cost Savings by Improving Operations and Implementing Procedures

Broad experience in Finance and Accounting. Expertise in preparing financial statements, monitoring daily cash transactions, developing annual budgets, and recording all financial activity for small to medium sized businesses. Successful in selecting and introducing new processes and procedures seamlessly to the organization. Handled daily A/P and A/R processes.

Acknowledged by peers and management for willingness to consider all options, strike appropriate solutions, and use education as a tool for optimum performance. Strong attention to detail, an unswerving commitment to service excellence, and an intense personal interest in helping business to flourish.

Strategic and financial planning expert

Staff leadership and development

Business performance improvement

Management Accounting

Payroll preparation and processing

Accounts Receivable/Payable

Professional Experience

G&B Global Group, Inc., Stafford, TX 2012 to Present

Business Administration Lead.

Responsible for providing financial advice and support to work colleagues and company owners to enable them to make sound business decisions by establishing processes and procedures to operate the company and playing a strategic role in managing the company’s finances, budgets and associated business interests

Improved accuracy of financial forecasts by creating a financial forecasting model using the QuickBooks features and replacing the Excel spreadsheets process.

Earned an approximate 3% state tax credits annually by ensuring on-time/early payments and all month end reports posted in a timely and accurate way with appropriate supporting information.

Renegotiated air/sea freight rates getting a reduction of $2/lb, from $6.45/lb to $4.45/lb for air, and $3/ft3 from $17/ft3 to $14/ft3 for sea, for approximate savings of $75,000/year.

Reduced the payroll processing cost by bringing the process in-house.

Developed and negotiated an advantageous health insurance package with Blue Cross Blue Shield that included a minimum monthly payment with an increased coverage for each employee.

Premium Insurance & Multiservice, Houston, TX 2008 to 2012

General Line Insurance Supervisor

Specialized and most effective property and casualty insurance placement by remaining current on the latest trends in the industry, with comprehensive knowledge of financial and insurance products, services and best practices.

Actively negotiated new agreements with at least five (5) insurance companies for inclusion in the agency offerings.

Generated innovative ideas that increased team engagement and performance.

Developed marketing strategies and sound tax and insurance services to protect client assets and grow the net worth of their respective portfolios.

Carabobo State Baker’s Association (ACIPAN), Valencia, Venezuela 2005 to 2007

Business Administration Assistant

Established track record representing owners and employees, including full responsibility for administrative and accounting functions, benefits and training programs.

Prepared monthly budget and handled the tasks of implementing marketing strategies as per the instructions of the Board of Directors.

Armida C. Espinoza ***************@*****.*** Page Two

Responsible for Association's financial operations, including collect, post and deposit all membership dues.

Developed and coordinated the implementation of policies and procedures for employer responsibilities, employee benefits and training and, quality standards for all member bakeries in the state.

Hospital San Juan de Dios, Caracas, Venezuela 2001 to 2005

Finance and Administration Assistant

Directed the day-to-day financial and operational activities of the Friends of the San Juan de Dios Hospital Foundation, reporting directly to the Hospital Director. Activities include planning and administration of fundraising, audits, pledges and memberships.

Played a key role in securing $3 million by organizing annual fundraising events.

Created a five year strategic plan to secure the fundraising goals.

Highly regarded track record of consecutive years of positive “on budget” operations performance, which grew from $1 million to $2 million annually.

Participated in organizing several capital campaigns up to $1 million in size, including the annual telethon.

Additional Relevant Experience

Welfare Institute of the National Armed Forces (IPSFA)

Accounts Payable (A/P) Analyst (1997 to 1999)

Handled daily A/P processes; supervised A/P clerks; managed vendor/supplier relations; and oversaw the timely, accurate processing of invoices, purchase orders, expense reports, credit memos and payment transactions. Ensured accurate and compliant A/P records in accordance with government regulations.

Sanofi-Winthrop de Venezuela (Formerly Laboratorio Sterling)

Sales Manager Assistant (1993 to 1994)

Coordinated sales force indicators, including monthly sales, pending orders and client follow ups.

Education

Specialist in Business Administration

UNIVERSIDAD SANTA MARIA, Caracas, Venezuela 1999

Bachelor of Science (BS), Business Administration

UNIVERSIDAD SANTA MARIA, Caracas, Venezuela 1994

Training and Certifications

Intuit QuickBooks Training, 2012

Property & Casualty Insurance Licensing, Kaplan University, Houston, TX 2010

Certification in Bilingual Generalist EC-4, Texas Teacher Alternative Certification Program, Houston, TX

Technical Skills

Intuit Quickbooks, Insurance Pro, Intellitax, TaxWorks, TaxWise, Crosslink, Microsoft Office

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