Heather A. Garvey

**** *. ********** ****** ****, Arizona 85207

Mobile 952-***-**** E-mail ad3fa3@r.postjobfree.com

RETAIL RELATIONSHIP BANKER/ACCOUNT MANAGER

QUALIFICATIONS PROFILE

Results and customer-service-driven Retail Relationship Banker/Account Manager with multi-industry sales and portfolio management experience and demonstrated track record for strategizing, promoting, and marketing account services, planning and orchestrating marketing events, and increasing market presence, sales volume, and profitability. Insightful marketer and visionary experienced with strategizing and presenting quality-focused product and service solutions, driving consistent sales growth, and exceeding targeted sales and profit-margin objectives. Top Sales Performer with impressive product knowledge, excellent networking skills, and new business development performance.

CORE COMPETENCIES

Corporate & Individual Customer Relationship Management, Sales & Customer Service

Portfolio Management, New Business Development, Vendor Management, Inventory Management

Staff Recruitment, Training, Scheduling, & Performance Management

Marketing Strategy & Plan Execution, Brand Marketing, In-store Promotional & Event Management

MS Word, MS Excel, MS PowerPoint

PROFESSIONAL EXPERIENCE

BMO BANK, Mesa, Arizona, 2019 - Present

Retail Relationship Banker

Consulting with business and individual customers, presenting/marketing mortgage loan, credit card, investment, and banking products and services, opening new accounts, referring customers to internal business partners, and expanding banking business and profitability.

Developing/sustaining trusting customer relationships, originating home loan and refinance applications, and facilitating a successful end-to-end loan closing process.

Providing excellence in client services and consistently earning/sustaining high client satisfaction and retention.

NORDSTROM, Bloomington, Minnesota, 2011 - 2019

Chanel Business Manager

Managed Chanel beauty and fragrance business lines, recruited, hired, trained, and motivated Sales Team, delegated team assignments, and delivered consistent year-over-year cosmetic skin care and fragrance sales increases in a $1-million counter operation.

Planned, managed, and orchestrated numerous seasonal in-store promotional events, recruited/directed several freelance artists, and proliferated brand visibility and market share.

Built/sustained positive vendor relationships, ordered, tracked, replenished, and optimized high-selling inventories and expanded profit margins.

Promoted Sublimage luxury line skin care business, achieved a 10% annual sales increase, and earned Pacesetter Sales Award.

MACY’S, Rosedale, Roseville, Minnesota, 2008 - 2011

Chanel Business Manager

Organized and managed monthly promotional events, hired and supervised freelance make-up artists, and increased store sales in a $300,000 counter operation.

Led an aggressive sales initiative, executed in-store Ultra Correction Lift product launch, and ranked number one in regional counter sales volume.

Maintained committed service presence, strengthened customer follow-up programs and practices, and earned/sustained a loyal customer base.

Provided one-on-one team sales training, modeled luxury-line sales strategies, and increased sales team competencies and productivity.

Developed/sustained loyal customer relationships, provided superior customer service, and increased customer ticket and sales volume.

Heather A. Garvey Page Two

PROFESSIONAL EXPERIENCE

ON TRACK SUPPORT SERVICES, INC., Stillwater, Minnesota, 2006 - 2007

Manager

Built/managed a profitable corporate support services operation from the ground floor, initiated mortgage company contacts, and provided business-specific outsourced services.

Consulted with business owners, defined event requirements and parameters, presented event bids and estimates, negotiated service contracts, and planned, organized, and hosted end-to-end appreciation parties and special events for groups of 10 to 60 guests.

Interfaced with real estate investors, recommended property staging strategies, and optimized market appeal and asset value.

STREAMLINE MORTGAGE, Burnsville, Minnesota, 2002 - 2003

Mortgage Consultant

Initiated calls on business leads and referral contacts, analyzed credit/financial status, and loan requirements, strategized/presented client-specific loan solutions, and negotiated refinancing contracts ranging from $100,000 to $600,000.

Established loyal customer relationships, built a profitable referral pipeline, and substantially contributed to 200% annual sales growth.

Collaborated with underwriters, appraisers, and title companies, troubleshot/resolved loan qualification and title issues, facilitated seamless loan closings, and achieved high client satisfaction and referral ratios.

AAMES HOME LOAN, Apple Valley, Minnesota, 2000 - 2001

Mortgage Consultant

Recruited to partner with Sales Consultant Team, targeted a low-performing sales operation, championed/initiated an aggressive lead follow-up strategy, ranked as top Loan Originator, and contributed to positioning the office as a number one branch among 100 national branch operations.

Established/sustained trusting client relationships, recommended strategic lending opportunities, negotiated mortgage lending contracts ranging from $90,000 to $300,000, and dramatically increased sales volume.

FIRST NATIONAL BANK OF CHASKA (Klein Bank of Chaska) Apple Valley, Minnesota, 1998 - 2000

Consumer Lender/Personal Banker

Recruited from Norwest Bank, partnered with a Business Development Team, reviewed loan files, identified/leveraged potential sales opportunities, initiated customer calls, negotiated new loan contracts, and expanded existing loan volume and sales production.

Established trusting customer relationships, and closed personal, auto, residential, and construction loans from $1000 to $600,000.

Restructured, revamped, and managed a decreasing and compromised loan portfolio, identified loan quality improvement opportunities, renegotiated low-performing loans, and reduced bank risk and liability.

Developed mortgage broker relationships and networks, created reciprocal business development opportunities, and increased service offerings and business volume.

NORWEST BANK, Eden Prairie, Minnesota, 1997 - 1998

Consumer Lender

Developed customer relationships, opened checking, savings, IRA, and CD accounts, and provided high quality consumer lending services to bank customers.

Consulted with clients, cross-sold business services, and delivered profitable sales volume increase.

W. W. GRAINGER, New Hope, Minnesota, 1995 - 1997

Senior Inside Sales Representative

Consulted with Purchasing Managers/Executives of major accounts including Best Buy and Northwest Airlines, identified product requirements, and researched, presented, and marketed thousands of diverse industrial and general product lines for a Fortune 500 company.

EDUCATION

BELHAVEN COLLEGE, Jackson, Mississippi

Undergraduate Studies, Major: Psychology

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