Karmen M. Canestaro

Phone Number 315-***-****

Email advj6c@r.postjobfree.com

Address Auburn, New York 13021

EXPERIENCE

Self-Employed

J&K Property Solutions, Auburn, NY Sep 2021 - Present My day to day duties include handling all client communications, providing written estimates, performing walk- throughs for potential jobs, updating the website as needed, and all marketing. Other duties include helping on the job site when needed with general repairs and maintenance as well as all bookkeeping and records. Collections Specialist

Carrier Corporation, East Syracuse, NY Jun 2020 - May 2021 Monitoring hundreds of commercial accounts to identify late and outstanding debts. Performing weekly calls with managers of territories throughout the U.S. I was responsible for in order to track data, inconsistencies and resolve account matters. Sending out late notices to clients, making periodic phone calls to resolve issues and make plans to correct situations. Referring clients to the proper department to make sales goals and credit/debit accounts accordingly. Reducing the amount of accounts receivables. Senior Underwriter

Solvay Bank, Syracuse, NY May 2017 - Dec 2019

Analyzing and underwriting various types of loans under the indirect and direct lending program, while being sure to adhere to credit policies and procedures.

Fostering dealer relationships and actively assisting in the steady positive growth of the indirect and direct lending program.

Educating and leading branch staff in many areas including product knowledge, policies and procedures, and encouraging others to uphold the bank's mission statement. Creating product guides, programs, and sales contests for the direct lending program. Senior Credit Analyst/Underwriter

One Source Financial, Auburn, NY Jun 2014 - May 2017 Evaluating client's credit data and financial statements in order to determine the degree of risk involved in lending. Determining the financial status and credit worthiness of clients by producing financial ratios including debt to income, payment to income and loan to value.

Selling loans, service contracts, insurance and meeting the lending needs of hundreds of automobile dealerships while working daily to acquire new clients.

Completing compliance calls and recordings, preparing reports, and processing applications. Floor Manager/Loan Officer/Personal Banker

Key Bank, Syracuse, NY Jan 2010 - Jun 2014

Approve loans within specified limits and guidelines, meeting with applicants to obtain personal information for applications, describe the process, and provide a seamless experience to the customer. Analyze applicants financial status, calculate all ratios, credit worthiness and and determine feasibility of granting loans.

I'm a people-oriented person that loves to help others. Over the years I've worked in many different settings which has allowed me to gain extensive experience in problem solving, multi-tasking and succeeding at whatever I put my mind to. I take great pride in the work I do and want to engage in work that's fulfilling. Obtain and compile copies of loan applicants credit history, individual and commercial financial statements and all other pertinent information.

Lead a team to meet goals while always keeping the customer experience positive. Travel branch to branch throughout central NY as the acting manager ensuring all branch routines, procedures and guidelines are being met. Assist in meeting all branches goals as well as personal goals. EDUCATION

Restaurant Management In Culinary Arts

Onondaga Community College, Syracuse, NY Jun 2006 SKILLS

CERTIFICATIONS

• Documentation experience • Meal preparation and planning

• Mother of two children • Communications skills

• Word Processing • Critical Thinking

• Multitasking Abilities

• NY State Notary Public

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