Branch Manager Account Receivables

Christina E. Kobus - Resume

***** *. ***** ***, **********, Arizona 85259 **************@*****.*** 602-***-****

OBJECTIVE

To obtain an Executive or Upper Management position with an established organization which utilizes the numerous abilities and experience of a hard-working dedicated individual with a comprehensive background in Commercial and Consumer Finance, Account Receivables, and Mortgage, Equity and Auto Lending, Operational Management and Branch Management.

EMPLOYMENT HISTORY

1996 to 2022 - Corporation President – Premium Credit Finance Corporation

Mortgage Lending, Consumer and Commercial Finance.

Strong ability to maintain Client and Customer Relationships providing expert advice and council on their needs to provide products and services.

Account Receivables Management.

Oversaw all Regulatory Compliance Requirements.

Responsible for all Operational Functions including the hiring and training of Directors, Managers and Staff.

Controlled all Financial obligations and responsibilities ensuring the company aligned with Corporate goals. Reviewing P&L Statements, Income Statements, Balance Sheets and Setting Budgets.

Interfaced with all Executive Level Clients, Strategic Leadership, Team building.

Interfaced and Managed Technical Support in addition to creating custom Excel Spreadsheets. Proficient in Word, Excel and Basic SQL Language.

1989 to 1996 – Director of Operations – ACB Business Services

Responsible for Lending Review Practices, following strict grading systems.

Oversaw the departments operation of Bankcards, Student Loans, auto Loans and Home Equity Loans.

Accountable for all Department Operational expenses, profitability, and competitive statistical analysis.

Successfully controlled operational payroll, profit and P&L Statements, managed budgets and forecasted operational needs.

Having the foresight to identify issues and problems and quickly and effectively problem solve.

Mentored, and trained Staff Members to ensure processes and procedures are in line with Company guidelines.

Evaluated and improved operational processes for efficiency and quality service to establish goals and objectives.

Managed relationships and agreements with external partners, vendors and clients.

Instrumental in strategic planning and implementation for production processes.

1984 to 1989 – Branch Manager – ITT Financial Services

Managed Staff including hiring, training, and all operational aspects of Customer Service and Sales.

Provided excellent Customer Service addressing customer needs, resolving issues, and building long term relationships to ensure Branch profitability.

Oversaw all lines of lending. From Mortgage Lending, to Home Equity Lending, to Auto Finance and Commercial and Consumer secured and unsecured Loans.

Monitored Branch revenue, managing expenses and analyzed Branch financial reports to ensure profitability and managed budgets.

Strictly adhered to all financial regulations and policies in addition to filling the Annual Branch Audit Report. Worked closely with the Arizona State Banking Department on their bi-annual Branch Audit. Never had a failing audit and always excelled in passing marks.

Ensured that all compliance regulations and policies were followed by all employees with all necessary documentation and security procedures.

Participated in local charity events to build relationships within the community to attract new customers.

Improved Sales and Profitability in the years 1987, 1988 and 1989 and awarded bonuses for a Top Producing Branch Manager for the Company.

EDUCATION

Graduate Study for M.B.A. Arizona State University - 1984 to 1985 – Emphasis in Business Administration

Bachelors of Science Degree -General Business - College of Saint Theresa, Winona, Minnesota, 1984

OBJECTIVE

To obtain an Executive or Upper Management position with an established organization which utilizes the numerous abilities and experience of a hard-working dedicated individual with a comprehensive background as an Executive in Commercial and Consumer Finance, Account Receivables, Mortgage Lending, a Director in Operational Management, or a Senior Branch Manager.

To Whom it May Concern:

I pride myself on being a team player, a self-starter, a motivator, and one who can be counted on at all times maintaining regular and predictable attendance with dedication to longevity to the company I work for.

I have strong accountability and personal organization and problem-solving skills. I Exercise independent judgement and critical thinking skills to manage time, prioritize, and delegate tasks in a complex fast-paced environment.

PRESIDENT AND C.E.O.

My strengths include being a Corporate President and C.E.O for 26 years. I have experience in Mortgage Lending, Home Equity Lending, Consumer and Commercial Lending and Finance and Account Receivables Management.

My responsibilities include overall leadership to the company, guiding Senior Management, overseeing daily operations, ensuring the company aligned with corporate goals and managing employee performance.

I have experience in Strategic Leadership, Team Building, Performance Management, and Financial Oversight including monitoring Financial Health, Analyzing Budgets, and making informed Financial decisions.

Knowledge in Bookkeeping and Accounting including reviewing Profit and Loss Statements, Income Statements, Balance Sheets and Financial Coding of Expenses. Oversaw the balancing of annual budgets.

Oversaw the retention of Client relationships building a personal trust with them. Providing expert advice and counsel in the area of the Client/fiduciary relationship by building and understanding the needs of the Client in order to provide products and services to the Client.

I have very strong skills in providing personalized Customer Service, building relationships with Customers and providing solutions to their financial needs while following Customer Service Excellence Protocols.

Interfaced with and Managed Technical Support in addition to helping create and construct Excel Spreadsheets for Data Analyzing. I am proficient in Excel and Word Programs and have written dozens of basic SQL Queries. I have very strong personal organization and problem-solving skills. I Oversaw Financial Reporting and safeguarded assets. I am Excellent with Statistical analyzation.

Collaborated with company Executives and Officers to refine and implement strategic goals. I exceed in the ability to analyze data quickly and effectively.

DIRECTOR OF OPERATIONS

I have 7 years’ experience as a Director of Operations in the financial sector. I possess effective and excellent oral and written business communication skills. Including running Staff meetings, organizing and leading all Vendor and Client teams.

Very strong skills in providing personalized Customer service, building relationships with Customers and providing solutions to their financial needs while following the Customer Service Excellence Protocols set forth by Corporate guidelines.

Proficient in lending practices and evaluations. Including loan review and following strict loan grading systems. Ensuring the safeguards are in place to minimize company liabilities.

My experience includes Overseeing and Managing daily Operations. Including overseeing the day-to-day functions of the department and delegating responsibilities to Manage Organizational Operations. I have always been committed to creating a diverse and inclusive workplace built on a foundation of respect, teamwork and excellent work ethic and attitude.

I have the foresight to identify issues and problems as they arise and being able to quickly and effectively problem solve. Managing comprehensive project plans. Including meeting timelines and deadlines, budgets, and resource allocation.

I have mentored, and trained Staff Members to ensure processes and procedures are in line with Company guidelines. Evaluated and improved operational processes for efficiency and quality service establishing implementing and evaluating goals and objectives. Assisted and oversaw the creation of training Manuals, private and group coaching, counseling, and the continued development of excellence in Employees and developed and built a high-performance team to execute business strategies, achieve results, and drive growth of the business.

As a Director of Operations I promoted and established departmental programs and services with the ability to maintain the highest standards of quality control while leading Staff to ensure that they maintained the highest standards of quality control then implemented those companywide quality improvements and standards.

Assisted with developing, implementing, and maintaining Policies and Procedures within Company guidelines. Oversaw all Regulatory Compliance requirements. Ensuring that Regulatory Compliance laws, guidelines, and rules that organizations must follow where strictly adhere to for Regulatory Compliance. I was versed in Regulatory Compliance that involved government-passed laws, privately administered Business standards and Corporate Regulatory required guidelines. Worked closely with the Arizona State Banking Department in the bi-annual audit.

BRANCH MANAGER

As a Branch Manager for 5 years I managed Staff including the hiring and training of all Staff. I was responsible for overseeing the day-to-day operations of Branch protocols.

I ensured excellent customer service needs. I excel at resolving issues quickly and am very proficient in effective problem solving. Addressing customer inquiries, resolving issues, and building long-term relationships with clients to ensure continued Branch Profitability.

I was responsible for meeting all sales goals and continual business development along with customer/client growth. Setting sales targets and I identifying new business opportunities in addition to promoting products to customers. I am involved in charity programs in the valley to engage with others to promote a strong Client base and attract new customers.

Oversaw all lines of lending. Including Mortgage Lending, Home equity line Lending, Auto Finance as well as Commercial and Consumer secured and unsecured loans. I have many contacts and previous associates in the valley of very high Executive Positions to contact to help align their Business needs with Branch products and services. Ability to quickly review credit reports. Proficient will all 3 Credit Bureau’s. Equifax, Experion, and Trans Union. Fully Fico Scoring. Versed in Debt to Loan ratios. Worked with many Title Agencies in the Valley.

I Monitored Branch revenue. Managing expenses and analyzing Branch Financial Reports to ensure profitability and managing quarterly budgets. I managed all branch expenses to ensure that there were no unnecessary costs.

I strictly adhere to all banking regulations and policies to ensure that all regulations were followed by all employees with all necessary documentation and security procedures. I was responsible for filing the annual Branch Audit Report. I have a total of 12 years as a Branch Manager and Director of Operations of working closely with the Arizona State Banking Department on their bi-annual Branch Audit. I have never had a failing audit ever, and have had a passing performance and inspection on all the financial activities of the Branch to make sure that the Branch was following the rules and regulations as prescribed by the Arizona State Statutes.

I improved Sales and Profitability for my Branch the years of 1987, 1988 and 1989 and was awarded the Corporations Presidents Award for achieving outstanding and excellent profitability as a Top Branch Manager in the State of Arizona.

I would appreciate the opportunity to personally meet with you.

Thank you for your time and attention. I look forward to hearing from you.

Sincerely,

Christina E. Kobus

Christina E. Kobus - Resume Cover Letter

12098 N. 114th Way, Scottsdale, Arizona 85259

**************@*****.*** 602-***-****

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