Customer Service Financial Planning
Resume:
RICHARD MAHABIR
* ****** **** **********, ** ****0.
***************@***.***
SUMMARY OF QUALIFICATIONS
Experienced professional with extensive underwriting experience. I work on consumer and auto-loans for both direct & indirect lending and auto leases. I also research & document risk assessment findings to ensure lending protocol meets the legal requirements. I also have expertise in auditing, accounting, & financial planning. I am skilled in managing large accounts and budgets while advising multiple clients & providing superior customer service. I’m a self-starter. I’m able to work both independently & as a part of a team to accomplish company objectives. Member of the National Association of Mortgage Underwriters (NAMU) Member or CFI(Commercial Underwriter enrollee.
EMPLOYMENT HISTORY
HERITAGE FINANCIAL CREDIT UNION 07/2012 – Present
Direct, Indirect, Lease and Consumer Loan Underwriter- Vehicle Loans
Uncover & satisfy their financial needs, recommend products & services.
I analyze loan applications based on the criteria, I then approve or deny financing.
I also train Junior Underwriters.
Assist in the underwriting process & build loan file.
Work on systems research and implementation (LOS).
Prepare the weekly trend analysis.
SELF EMPLOYED 05/2010 –07-2012
General Accounting Services
Account reconciliations, Statistical analysis, Rent vs Buy analysis.
General collections and billing review, Cost basis calculation.
INTERSTATE WASTE SEVICES
STAFF ACCOUNTANT 10/2008- 05/2010
Make Journal entries, reconcile prepaid accounts, prepare budgetary analysis.
Prepare statistical analysis month over month, assist in preparing annual budget.
Prepare week over week projections, manage work flow and billing process.
Manage collections process, reconcile billing and collections to aging reports.
Provide additional information to external auditors for accounting anomalies
BANK OF AMERICA
PREMIER CLIENT MANAGER 02/2005- 10/2008
Comprehensive financial planning through assessing needs, identifying opportunities & recommending financial solutions
Inspire trust & confidence in clients through problem solving, listening carefully to client’s needs, & proactively recommending products & services
Actively manage 50 clients ($350M), Responsible for leading a team of sales & service professionals to meet & exceed sales & service targets (5-20 total FTE)
VARIOUS FINANCIAL INSTITUTIONS 07/1998-02/2005
M&T BANK ASSISTANT MANAGER, CFS BANK & PROVIDENT BANK
Open & close branch, review overdraft and supervise & train associates.
Negotiate C.D. rates, sell investment & insurance products, home equity loans & cross sell business products
Manage a portfolio of over two hundred and fifty (250), customers
Awarded million dollar club winner for 2003 & 2004
Supervised sales associates & tellers
Proved vault, perform branch audits, and other related duties
Open and closed accounts
WATER AND SEWAGE AUTHORITY 9/1990 – 7/1998
AUDITOR
Performed audits, audit reviews, audit & fraud, investigations, compiled board reports, revised staff structures, evaluated & examined company projects, examined financial records, stock counts, conducted parallel computer audits, observed the implementation of new commuter systems in the commercial department; accounts payable & accounts receivable departments and reviewed departmental budgets
EDUCATION
BS - Financial & Management Accounting / Cambridge University
COMPUTER SKILLS
Microsoft Office, Excel, QuickBooks, Peach Tree Accounting, Epicor, PC Scale, Temenos, Symitar, Decision Lender, Crif and others.
Awards
Awarded Top Sales Performer Award for 2013 & 2014 at HUDSON HERITAGE FEDERAL CREDIT UNION
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