Joann R. Carroll
Wilmington, DE 19802
Email : ***********@***.***
ADMINISTRATION HUMAN SERVICES PROGRAM MANAGEMENT
QUALIFICATIONS OVERVIEW
. Professional experience in the financial and human services industries, supported by extensive volunteer experience directing programs, mentoring and providing client education.
.Excellent interpersonal communication and listening skills.
.Solid analytical and problem solving abilities
.Adept at streamlining workflow to increase productivity, and yield time and cost savings; update and modify procedural manuals accordingly
.Computer skills: micro-soft / excel / FDR systems / counselor and HCO systems
.Proficient in use of micro-soft and spreadsheet software, excel, and FDR systems PROFESSIONAL EXPERIENCE
West End Neighborhood House
HOUSING COUNSELOR
Established the First Time Home Buyers Program at West End. This program was developed to work with families to increase awareness of and eradication or barriers to homeownership, including credit and mortgage foreclosure / mediation counseling. I work closely with city, county, state, and federal government and other for profit and non-profit agencies and businesses that are involved in the homeownership process. I provide workshops for potential homebuyers and conduct seminars on fair housing, predatory lending and other issues relative to home purchase, and foreclosure. Neighborhood House, Inc. DE
HOUSING COUNSELOR
Three years experience providing counseling, advice and assistance to individuals in the following areas: Pre-purchase Counseling; Pre-rental Counseling; Mortgage Default Counseling; Rental Delinquency Counseling; Post Occupancy Counseling; Money Management Counseling; Reverse Mortgage Counseling; and Credit Counseling. Have personally counseled hundreds of clients through the Neighborhood House and the Newark Housing Authority. This included subsidized housing and conventional housing purchases. YWCA of New Castle County, DE
TRANSITIONAL HOUSING COUNSELOR
Developed and managed a program that assisted low-income clients to transition from public to private employment and permanent housing. Provided education workshops and seminars regarding credit counseling, credit repair, budgeting, savings, the fair Housing Act; and landlord/tenant codes. Assisted clients with moving and employment logistics. MBNA America, Newark, DE
CUSTOMER ASSISTANCE
Responded to incoming requests from credit card customers regarding account status, additional credit cards, credit line, increases, and changes in account information. Backline collector, responsible for collections on Visa and Mater Card accts. (150 days delinq.) with emphasis on preventing charge off. Handled lost/stolen cards fraud cases, merchant services, and account openings/closings. Generated correspondence documenting transactions. EDUCATION
. B.S candidate in Human Services, Springfield College
. Business Administration Major, DE Tech. & Community College
. Certified by the American Institute or Banking
. HUD certified Housing Counselor
.Member Of Delaware Federation of Housing Counselors (Board Member)