Extensive Financial Background
Resume:
Laura Britt
Boynton Beach, FL 33436
Objective
To obtain a responsible position utilizing my sales, underwriting, accounting, collections and management skills.
Qualifications
I have over 16 years of supervisory experience in underwriting, retail, and collections environments; including hiring, training, and evaluation of employees, as well as maintaining all financial records as a retail manager.
Work History
10/03-10/08 Wachovia Bank
Mortgage Underwriting Manager
Responsible for overseeing the underwriting function within a specified territory and ensuring quality in all loan underwriting decisions.
Oversee work performed by underwriting staff and provide appropriate decisions.
Review exceptions and grant approvals on a case by case basis by analyzing credit bureau, debt to income ratio, employment, and payment history to determine credit worthiness.
Evaluate productivity and efficiency of staff and adjust as needed.
Hire, train, evaluate, and coach employees.
Create and conduct training for all levels of underwriting and origination as needed.
Negotiate underwriting decisions with origination leaders.
9/02-10/03 Levenger
Internet Customer Service Representative
Research and respond to all incoming e-mail regarding Levenger products.
Assist customers requiring internet technical support.
Answer overflow incoming sales calls.
3/00-3/02 Coldwell Banker
Real Estate Agent
List and sell real estate in South Florida.
Evaluate current market conditions to determine pricing of homes.
Set up inspections and repairs needed to close sale.
Finalize paperwork required by Florida law to transfer property to new owner.
2/01-9/02 Household Finance
NRE Underwriter
Offer appropriate products based on customers need.Evaluate all Non-Real Estate loans from HFC and Beneficial branch offices.
Review credit bureau, debt to income ratio and payment history to determine credit worthiness.
Grant or decline consumer loan after analyzing risk factors.
Suggest upsell opportunities to branches to secure loan.
Answer incoming calls from branches regarding underwriting process.
7/96-12/99 Household Credit Services (HSBC)
Customer Assistance Team Representative (Bankruptcy Prevention Unit)
Responsible for deterring card members from filing bankruptcy.
Obtain debt and income information from clients to determine financial situation.
Analyze clients finances to determine risk of bankruptcy.
Offer appropriate solutions to resolve debt.
Coordinate reasonable repayment schedule to liquidate account.
Sell Personal Home Loans to current credit card clients to secure account.
Answer incoming calls regarding general bankruptcy information.
11/94-12/99 Household Credit Services (HSBC)
Unit Manager Relief
Responsible for Unit Manager duties in their absence (maternity leave, etc.).
Duties include direct supervision, training, and development of collectors.
Planning, organizing, and controlling unit to meet monthly and yearly goals.
Handle escalated customer calls in an efficient and courteous manner.
Coordinate all personnel functions including scheduling, time sheets, and vacation.
Monitor and coach collection reps to ensure policies and compliance are followed.
Identify, analyze, and resolve problems that arise in a day to day environment.
Reporting results to upper management on a daily, weekly, and monthly basis.
11/93-7/96 Household Credit Services
Senior Collector
Responsible for the collection of delinquent credit card accounts.
Assist in the training and development of new employees.
Analyze cycle reports and adjust manpower as needed.
Handle special projects as assigned by the Unit Manager.
9/91-11/93 The Galloping Gourmet
General Manager
Responsible for the hiring, orientation, and training of all employees.
Oversee entire retail and delivery operation including purchasing, dispatching, customer service and sales.
Maintain financial records: computerized payroll, accounts receivable, delinquent account collection, and daily deposits.
2/86-8/91 Mariners III, Inc.
General Manager
Responsible for hiring and training of all new employees.
Supervise entire retail operation: purchasing, pricing, marketing and sales.
Maintain all office records: payroll, accounts payable, and daily deposits.
Education
June 1989 Associate of Science in Business Management
Commonwealth College Graduated Summa Cum Laude
Awards
Numerous cash bonuses for Beneficial Suggestion Program ideas.
References Available Upon Request
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