Administrative, Customer Service, Team Leader, Management

HEIDI ANN RAMOS SANTIAGO

City Palace *** Cel. 787-***-****

La Macarena, Naguabo, PR 00718 ********@*****.***

ADMINISTRATION, SUPERVISION, LEADERSHIP AND FINANCES

Innovator, creative, versatile and proactive. Organized oriented, team player, excellence in service, customer growth and retention. Strong team formation studies with diverse abilities that can overcome obstacles. With 12 years’ experience and knowledge in different areas and matters, available to contribute to achieve objectives and goals of the enterprise.

Recognize in the Banking area for my excellent performance, improving processes and difficult situations management. Background on accounting and finances. Bilingual

EDUCATION

Bachelor’s Degree – Business Administration / Management

Universidad del Turabo – 2011

CERTIFICATIONS

Secretarial Sciences – MBTI / 2002

Mortgage Loans Origination MBI / 2006

Office Adm. & Inf. Processing – Universidad Metropolitana / 2000

WORK EXPERIENCES

MANUALIDADES HD – Naguabo 2008/2011

Craft items retail store. International and retail sales. Corporate and decorative gifts, handmade candles and candles workshops.

Business Owner

Strategies for selling and cross selling.

Customer Service

Cash management, POS

Business planning and development, marketing, accounting and sales. Annual business plan preparation for analysis and budget, competence, opportunities, advantages and disadvantages. Company’s Wed page creation, focused on the presentation of the product (HTTP://www.ynaru.webs.com)

Schools, government agencies and communities visit to offer services.

Develop workshops that helped people to generate additional income, with a positive impact on over 80 families.

Designed a catalog to addressed direct sales and customer contact.

Sales at Social network, internet and expositions.

Creativity, innovation and preparation of handcraft and decorative articles.

SCOTIABANK – Caguas Branch 2005/2008

Personal Banking Officer

Targeted banking solutions for individuals and small businesses that helped obtain their financial goals. Products commercialization and advisement

Credit applications processing, analysis and decision making or recommendations

Marketing products by customer’s necessities, such as: checking accounts, savings, deposits certification, IRAs, credit cards, loans, credit lines, mortgage and insurances.

Individual financial analysis that facilitates their decision making, bank reconciliations, orientations of the present and future value of money, actives valorization and risk studies.

Anticipation of the economic situation relevant and discussion alternatives that facilitated solutions.

Promotion activities such as: telemarketing and exposition on external organization.

SCOTIABANK – Santurce 2002/2005

Administrative Adjuster

Oriented to manage bankruptcy accounts, its’ collection, classifications and control

Implemented the usage of the bankruptcy syndicates internet system, accomplishing the improvement of the management of the cases by a 100%. Also increase the collection of the “bad debt accounts and write off” considerably.

Establish excellent relations with the outside lawyers that handled bankruptcy and legal cases, facilitating the information and documentation exchange to expedite the process of the cases

Assisted on the preparation of files and required documents for the legal execution, repossessions and auctions.

Customers financial analysis and payment plans, after the discharge of bankruptcy cases

GRANDE SUPERMARKET – Isla Verde 2001/2002

Customer Services Clerk

SEMINARS AND TRAININGS

COMPUTER SKILLS

Microsoft Office (97, 2003, 2007, 2010): Publisher, Access, Word, Excel, Power Point.

Quick Books

Internet

Preparation of Web Pages

Movie Maker

Fast and accurate typing

Professional references available on interview

Human Resources

UTN/2010

Business Administration

Compañía de Exportación y Comercio/2007 ASOPYMES/2010

International Banking Platform (Windows Basic, ITP, IAP, AS400)

Scotiabank/2005

Truth in Lending

Scotiabank /2005

Credit Report (Analysis, comprehension and orientation)

Trans Union /2005

Debt Manager (Collection System)

Scotiabank /2002

Money Laundering

Scotiabank

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