MARK TURCOTTE

Business Management Professional-Sales, Finance, Insurance, Manager, Financial Analyst, Underwriting, Commercial Broker

Hudson Falls, NY 12839

adva7o@r.postjobfree.com

+1-207-***-****

Authorized to work in the US for any employer

Work Experience

Utility Locator

USIC LLC, - Indianapolis, IN

2020 to 2022

Locating for National Grid(Contractor), for commercial & residential customers. Locating underground electric & gas. Digging or unearthing utilities and or reading blueprints & maps. HVAC/R Technician

Northern Mechanical - Queensbury, NY

2017 to 2020

Installs & repairs of various air quality systems & heating systems. Diagnosis & maintenance of systems, conducting warranty services, & performing emergency services. Tinsmith

General Dynamics - Bath, ME

2012 to 2017

Sheet Metal Mechanic for naval & marine construction of DDG 1000 & DDG 51 class destroyer ships. Installation of mechanical & structural machinery & parts of naval ships. Light fabrication, welding & reading maps & blueprints. Repairs of existing parts as well. Commercial Broker

Harbour Capital Corporation - Portsmouth, NH

2008 to 2012

Prepared loans, contracts, & acquired proper documentation for loans and review. Performed financial reviews & analysis of P&L statements, Cash Flow Statements, Balance Sheets, & D&B reports, Financials, quarterlies, tax returns, credit reports, cost & budget analysis & rating risk & gain. Looked at the 4 C's credit, capacity, collateral, & capital. Also debt to income to do underwriting. I made recommendations to senior staff on credit worthiness & made solutions to senior lending officer & consumer if needed. Dealt with working capital up to 5 mil.

Finance & Insurance Mgr./ Sales Mgr.

Paul Blouin Honda - Augusta, ME

2002 to 2008

Responsible for overall profitability of sales, & finance for mid size dealer. Reviewed credit reports, rated risk & gain/ credit worthiness of consumers and businesses and made recommendations to my different banks to get deals bought. Defined & implemented short & long term objectives. Oversaw & controlled daily sales operations & finance & Insurance operations along with policy implementation, advertising, promotions, & strategic direction. Purchasing, Inventory management, & procurement of new vehicles. Purchasing of used vehicles at auction. Initiated cost control to insure profitability, hired & trained personnel & evaluated overall & individual performances. Analysis of the 4 C's for underwriting of approving deals, credit, capacity, capital & collateral. And debt to income. Did P&L analysis. Demanded the highest ethical standards from staff. Established departmental goals with management team based on exceeding expectations of customers through continuously improving products & service. Took avg. F&I PRU from $300 to $900 per car. Devised & Implemented a sales process for internet leads & sales & increased overall F&I dept. profit for dealership by $12,000 per month. Also did appraisals for vehicles

& purchased used cars at auction. Did wholesale Achieved 40% penetration on ESC & 35% on GAP & 25% on L&D. Avg. 130+ cars a month.

Finance & Insurance Manager

Quirk Auto Park - Bangor, ME

2000 to 2002

Directly responsible for overall profitability of F&I dept. Reserve generated income fom GAP, ESC warranties, L&D, & finance rate on contracts. Rated risk & gain & made recommendations to my banks & lenders to buy contracts. Looked at the 4 C's, credit, capacity, capital, & collateral. Also debt to income to underwrite and approve deals. Maintained relationships with my bank lenders, closed and negotiated deals & did appraisals on vehicles. Avg. $900 PRU & 48% penetration on GAP, 34% on ESC, 28% on L&D. I Avg. 95 units a month.

Sales Manager

Sid porter Isuzu - Augusta, ME

1997 to 2000

Responsible for profitability of Sales Dept. Desking & closing deals. Also involved with advertising. Doing appraisals also working with service dept. on service issues. Purchasing of used cars at auction. Purchasing, Inventory management, & procurement of new vehicles. Did wholesaling of trades. Hired

& trained personnel & performed overall and individual evaluations of performance. Worked with GM implementing policies, did profit &loss analysis.

Car Salesman

Sid Porter Pontiac Isuzu - Augusta, ME

1993 to 1997

Sold new & used cars. Negotiated & closed deals. Did presentations & educated consumers on product and financing. Was only salesman to sell over 20 units 11 different times, also accomplished this 4 mos. in a row. Also achieved biggest grossing deal for the year 8 times. Avg. 15-20 units a month. Was a small dealership that avg. 70-80 units a month

Licensed Insurance Sales Agent

Combined Insurance Corp. - Bryant Pond, ME

1991 to 1993

Sold Life, Health, & Disability insurance to consumers as well as businesses as part of employee benefits along with workers comp. Educated & provided solutions to consumers & businesses needs. Education

Diploma/ National Certification in HVAC/R Technician Mainstream Engineering Corporation - Rockledge, FL 2018 to 2018

Apprenticeship/ Associates in Tin Smith / Ship Building Maine Maritime Academy/ General Dynamics - Bath, ME 2014 to 2017

Diploma in Certification in MIG & TIG, & Fluxcore Welding New England School of Metal Works - Auburn, ME

2016 to 2016

Diploma in Phlebotomy

Bath Regional College - Bath, ME

2010 to 2010

Diploma in Business Management School

Grant Cardone - Orlando, FL

1997 to 1997

Diploma in Finance and Insurance

Northeast Dealer Services - Norwood, MA

1996 to 1996

Bachelor's Degree in Business Administration/ business Management Almeda University - Boise, ID

1993 to 1996

Skills

• Sales (10+ years)

• Sales Management (10+ years)

• Insurance sales (8 years)

• Insurance verification (10+ years)

• Financial concepts (10+ years)

• Financial analysis (4 years)

• Corporate finance (4 years)

• Brokerage (3 years)

• Commercial Broker (3 years)

• Account Management (4 years)

• Outside sales (5 years)

• Inside sales (10+ years)

• Financial analysis (6 years)

• Contracts (3 years)

• Loan processing (3 years)

• Loan origination (3 years)

• Tax experience (3 years)

• Profit & loss (3 years)

• Credit analysis (10+ years)

• Budget & Cost Analysis (3 years)

• MIG welding (4 years)

• TIG welding (4 years)

• Stick welding (4 years)

• FCAW (4 years)

• HVAC/R (3 years)

• Utility Locating (2 years)

• Blueprint reading (3 years)

• Typing 45-60 wpm (10+ years)

• Cost control (8 years)

• Cost Management (8 years)

• Auto estimating (8 years)

• Business Management (10+ years)

• Phlebotomy (1 year)

• Underwriting (8 years)

• Masonry (4 years)

• Workers' Compensation (2 years)

• Management (10+ years)

• Risk Management

• Financial Report Writing (6 years)

• Business Development

• Negotiation (10+ years)

• General Ledger Accounting (4 years)

• Financial Modeling

• Budgeting (5 years)

• Forecasting (4 years)

• Procurement management (6 years)

• Purchasing (6 years)

• Process Improvement

• Account Reconciliation

• Pricing

Military Service

Branch: United States Army

Service Country: United States

Rank: E-4

1987

Army:

11 H. E9 Tow Missle Specialist. Combat Infantry.

Mechanized Airborne Unit. Medic.

Ft. Benning, GA, Ft. Sam Houston, TX

Army Reserves, Westbrook, ME

Engineer Battallion(Carpentry, Masonry, Iron Work) Awards

U.S. Army Infantry badge, Marksman award, Airborne school, Certifications and Licenses

Certified Phlebotomist

2010 to 2010

HVAC/R Technician

2018 to 2018

Assessments

Attention to detail — Proficient

August 2022

Identifying differences in materials, following instructions, and detecting details among distracting information

Full results: Proficient

Management & leadership skills: Planning & execution — Familiar September 2022

Planning and managing resources to accomplish organizational goals Full results: Familiar

Customer focus & orientation — Proficient

September 2022

Responding to customer situations with sensitivity Full results: Proficient

Customer service — Expert

October 2022

Identifying and resolving common customer issues

Full results: Expert

Management & leadership skills: Impact & influence — Proficient September 2022

Choosing the most effective strategy to inspire and influence others to meet business objectives Full results: Proficient

Administrative assistant/receptionist — Familiar

September 2022

Using basic scheduling and organizational skills in an office setting Full results: Familiar

Sales skills — Highly Proficient

September 2022

Influencing and negotiating with customers

Full results: Highly Proficient

Data entry: Attention to detail — Proficient

September 2022

Maintaining data integrity by detecting errors

Full results: Proficient

Written communication — Expert

October 2022

Best practices for writing, including grammar, style, clarity, and brevity Full results: Expert

Filing & organization — Proficient

October 2022

Arranging and managing information or materials using a set of rules Full results: Proficient

Project timeline management — Completed

August 2022

Prioritizing and allocating time to effectively achieve project deliverables Full results: Completed

Marketing — Completed

October 2022

Understanding a target audience and how to best communicate with them Full results: Completed

Bookkeeping — Proficient

October 2022

Calculating and determining the accuracy of financial data Full results: Proficient

Principles of accounting — Familiar

October 2022

Preparing financial records according to federal policies Full results: Familiar

Indeed Assessments provides skills tests that are not indicative of a license or certification, or continued development in any professional field.

Groups

AMVETS

2010

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