Professional

Objective: To positively impact the "bottom line" of an organization through my experience related to sales in large/small business to increase revenue and growth.

Experience: Charter One Bank Cleveland, OH

Relationship Manager II/Sr. Residential Lending Specialist 12/2004 – 3/2008

Manages and maintains current business relationships and seeks new accounts. Responsible for a portfolio of large businesses

Grow assigned relationships by cross-selling services and deepen relationships referred by Business Development Officer or Small Business Specialist.

Refers new customer base and partners with Business Development Officer or Small Business Specialist, or refers customers to other Lines of Business within bank, to build/deepen relationships and help the overall contribution to the bottom line.

Develop and execute retention strategy for current relationships in order to achieve desired profitability.

Underwriting.

Interview applicants to develop information concerning their businesses, banking needs and determine their capacity to fulfill all obligations to the Bank.

Ensure client satisfaction by responding promptly to customer inquiries and requests and coordinating activities of appropriate personnel to resolve issues.

Visit and telephone clients on a regular basis to maintain a strong, working relationship.

Maintains a strong knowledge base of bank policies, procedures, loan products, pricing and educates prospects on advantages.

Provides the client with functional sales-oriented knowledge in product areas: cash management, derivatives, equipment finance etc.

Develops focused strategies for retaining, growing and acquiring select clients.

Demonstrates functional and technical sales and credit expertise. Solves internal obstacles for the client. Acts as client advocate while adhering to sound business practices.

Involves a high level of sales to increase revenue and production, by selling various financial loan products and services.

Establish a network and relationships of external and internal referral sources from which to originate mortgage loans with brokers, realtors, builders, and etc.

Run day end reports to ensure all stipulations are met; verify accuracy and consistency of specifications on legal documents.

Examine Tax Proration’s, Payoffs, HUD Settlement Statement, Section 32, and HOEPA.

Trained co-workers/employees to use MTS/VPN Client wire system and APPRO loan processing system.

Activated a module in the computer software system to generate letters for brokers, title agencies and clients.

Performs a variety of tasks.

Equity Consultants Cleveland, OH

Loan Officer 06/2004 - 11/2004

Develop and maintain relationship with new and existing clients in order to increase revenue, involves a high volume of sales, concepts, practices and procedures.

Processed mortgage loans through full-cycle.

Focused on selling various financial loan products using sales technique skills and cross- selling.

Provide sales support in assigned area to establish contacts and provided excellent service to obtain referrals and prospects by networking.

Conducted seminars/presentations on PowerPoint to local clients, taking the loan application, gathering appropriate documentation, and examine credit report and score to follow the matrix.

Ensures that organizational goods and services consistently meet client needs, a wide degree of creativity and latitude.

Relies on extensive experience and judgment to plan and accomplish goals.

Evaluated assets, 401k, mutual funds, stocks, bonds, and money market accounts.

Approved or denied loan applications based on LTV or DTI.

Purchased and refinanced mortgage loans based on cash out, term reduction, debt consolidation, lower rates, and lower monthly payments; provided federal programs such as FHA/VA loans.

Marketed financial solutions to potential clients in a multi-stage region.

Reviewed conforming and sub-prime loans for homes and small business.

Retrieved, verified/evaluated credit reports, LTV, DTI, and Fannie Mae Form 1003.

Computer Skills:

NT Systems

Java Language

Computer Information Science

SPSS 12.00

MS Office

Lotus

Internet/Email

Adobe Photoshop

Data Analysis

Accomplishments:

Dean's List - Ohio State University.

Student Council Liaison, College of Human Ecology-Ohio State University.

Help achieve new company record of $81.7 million in COB Specialty Lending.

Employee of the month, for three consecutive months.

Rank Top 15% of company sales force in production.

Education: The Ohio State University Columbus, OH

BS Human Ecology/Graduated 9/1999 - 06/2004

Major: Consumer Affairs.

Minor: Marketing Specialist.

Maintained a 3.03 grade point average.

Dean's List.

Ursuline High School Youngstown, OH

College Prep/Graduated 8/1995 – 5/1999

Training: Cleveland State University Cleveland, OH

Certified National Pharmaceutical Representative* (CNPR* )

National Association of Pharmaceutical Sales Representatives* (NAPSRx* )

Certificate: 5/2008-Present

References: Available upon request

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