ARIELLE NICHOLS
NEWARK,US
Summary
Dynamic Finance Specialist with over 12 years of extensive experience in banking and financial services, recognized for a visionary approach that enhances portfolio quality and elevates customer satisfaction. Expertise in team leadership, customer relations, and financial analysis drives strategic decision-making through innovative credit assessment frameworks. A strong commitment to leveraging technical skills and organizational abilities fosters advancement within the financial sector, ensuring optimal outcomes and a culture of continuous improvement. Dedicated to delivering exceptional results and contributing to the overall success of the organization.
Overview
12
12
years of professional experience
Work History
Credit Specialist
Bank of America
Newark, Delaware
10.2024 - Current
- Maintaining customer accounts: Keeping credit history records updated and monitoring accounts for timely payments.
- Collections: Managing overdue accounts and communicating with clients regarding delinquent payments, including making collection calls.
- Customer service: Responding to inquiries, explaining procedures, providing instructions, and resolving customer concerns related to credit and payments.
- Administrative support: Performing tasks like data entry, filing, preparing reports, and coordinating with other departments.
Personal Banker
Wells Fargo
Wilmington, Delaware
07.2023 - 06.2024
- Support clients’ financial goals, enhancing satisfaction and retention.
- Collaborate with businesses to secure credit, driving growth.
- Open accounts, manage estates, ensuring seamless service.
- Analyze client needs, tailoring financial solutions effectively.
- Guide clients in complex decisions, ensuring optimal outcomes.
- Developed customised credit assessment frameworks for small businesses, streamlining loan approval processes while maintaining portfolio quality
Universal Banker
M&T Bank
Wilmington, Delaware
01.2021 - 07.2023
- Conducted diverse transactions, ensuring accuracy and efficiency in teller operations.
- Managed customer disputes and facilitated account openings, improving client satisfaction.
- Facilitated foreign currency orders, demonstrating strong attention to detail.
- Collaborated with team to streamline processes, achieving measurable improvements.
- Utilized platform training to support banking functions, fostering a collaborative environment.
- Managed comprehensive banking operations including complex transactions, account services, and customer dispute resolution while maintaining strict compliance standards
District Manager
AR Rest. Group/ Popeyes Kitchen
Staten Island, New York
03.2013 - 03.2020
- Led 7 years at AR Rest. Group, advancing to District Manager.
- Set and achieved team goals, enhancing workplace standards.
- Communicated job expectations, improving staff performance.
- Implemented policies and procedures, ensuring productivity.
- Collaborated with franchisees, gaining invaluable experience.
- Led multi-unit operations as District Manager, implementing strategic policies and productivity standards while developing staff through mentoring and performance management
- Orchestrated comprehensive staff development programmes, establishing clear performance metrics and reward systems to drive operational excellence
- Fostered strong partnerships with franchisees while directing district-wide operations, enhancing communication channels and standardising best practices
- Streamlined operational procedures across multiple locations, ensuring consistent service quality through systematic monitoring and evaluation
Education
Delaware Technical Community College
DE07.2011
Skills
- Telephone and email etiquette
- Effective communication
- Documentation review
- Loan underwriting
- Credit analysis
- Relationship management
- Credit policy development
- Financial statement analysis
- Portfolio management
- Data analytics
- Loan application processing
- Consumer credit laws
- Banking regulations
- Quality controls
- Delinquency monitoring
- Teamwork and collaboration
- Customer service
- Attention to detail
Timeline
Credit Specialist
Bank of America
10.2024 - Current
Personal Banker
Wells Fargo
07.2023 - 06.2024
Universal Banker
M&T Bank
01.2021 - 07.2023
District Manager
AR Rest. Group/ Popeyes Kitchen
03.2013 - 03.2020
Delaware Technical Community College