Summary
Overview
Work History
Education
Skills
Timeline
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BRIDGETTE MUHAMMAD

Oklahoma City,OK

Summary

Highly motivated and driven retail manager with 5+ years of experience driving sales, managing employees, and strengthening store operations. Proven ability to increase sales through merchandising and promotions, while continuing exceptional customer service. Proficient in inventory management, staff scheduling, and consistent daily merchandising, with a track record of training, developing and motivating employees.

Overview

20
20
years of professional experience

Work History

Certified Store Leader

7-11/Seven Eleven
05.2019 - 11.2024
  • Implemented loss prevention measures to minimize shrinkage and protect store assets.
  • Monitored competitors'' activities within the market area to stay informed about industry trends that may impact store performance.
  • Collaborated with regional management on the development of targeted sales goals and strategies for success.
  • Implemented new operational processes or systems to improve store efficiency and productivity, adapting quickly to changes in the retail landscape.
  • Managed and motivated employees to be productive and engaged in work.
  • Accomplished multiple tasks within established timeframes.
  • Maximized performance by monitoring daily activities and mentoring team members.
  • Cross-trained existing employees to maximize team agility and performance.
  • Controlled costs to keep business operating within budget and increase profits.
  • Built high-performing teams through effective recruitment, onboarding, and talent development initiatives.
  • Oversaw inventory management, optimizing stock levels, and reducing waste.
  • Enhanced product quality by instituting rigorous quality control procedures, resulting in fewer customer complaints.
  • Boosted employee morale and reduced turnover through development and implementation of comprehensive rewards and recognition program.
  • Opened and closed location and monitored shift changes to uphold successful operations strategies and maximize business success.
  • Recruited, interviewed and hired employees and implemented mentoring program to promote positive feedback and engagement.
  • Defined clear targets and objectives and communicated to other team members.
  • Improved staffing during busy periods by creating employee schedules and monitoring call-outs.

Experience Expert

Credit Union of Texas
06.2017 - 05.2018
    • Delivered prompt and accurate customer service while promoting the values and expected goals of the Credit Union.
    • Established new member deposit accounts, CD's, IRS', Personal Loans, Lines of Credit, and Credit Card transactions.
    • Referrals sent through CRM for mortgage and home equity loans. Performed maintenance on member deposit accounts including stop payments, online banking set-up, added and removed joint owners, ordered and issued debit cards and processed incoming and outgoing wire transfers.
    • Originated and input auto loan applications in SAIL while cross-selling GAP, Credit Life, Credit Disability and Warranty products and services.
    • Gathered, prepared and notarized documents required for Underwriter approval.
    • Accomplished and exceeded monthly Sales goals determined by Store Leader (i.e., Checking Accounts (31); Auto Loans (10); Loan Volume ($330k); etc.).
    • Received a pay increase within the first 3 months on staff at the Credit Union.
    • Achieved Top Performer in Sales/Bonuses during the first 6 months.

FHA and Subordination Loan Processor

Mr. Cooper
10.2015 - 04.2017
    • Responsible for a pipeline of 30 mortgage loans closing 20 and 40-50 subordination closing 25 on a monthly basis.
    • Ensured the borrowers files were completed and updated as needed in ENCOMPASS and verified confirmed compliance in accordance with Fannie Mae and Freddie Mac guidelines per TRID.
    • Maintained continual contact with borrower, collecting pay stubs, tax returns and assets needed to clear conditions for Underwriter approval.
    • Exceeded loan processing deadlines set by Mortgage Professionals, Underwriters, Funders and Title Companies.
    • Coordinated with the Title Company to clear liens, judgments, HOA Dues and Subordinations.
    • Scheduled closings with borrowers, coordinated loan process with the Title Company and Notary for closing, and followed through until loan was funded.
    • Top Performer Quarterly in Sales and Loan Closing
    • Hired from Temporary to Permanent in the first 6 months.

Residential Mortgage Loan Originator

Third Federal Savings and Loan
05.2009 - 11.2014
    • NMLS registered to consult with clients regarding mortgage needs.
    • Completed Business Development mortgage loans, attended Realtor luncheon's and participated in weekly Realtor sales calls, and joined the cities of Coral Springs and Hallandale Beach Chambers of Commerce.
    • Following the entire loan process, originated mortgage loans through direct/indirect personal contacts while adhering to federal and state regulations.
    • Originated loans by collecting, reviewing and discussing borrowers credit worthiness, income and assets to determine eligibility.
    • Gathered all initial documentation needed based on the Conventional and ARM Loan programs.
    • Interviewed borrowers seeking home financing by effectively explaining and communicating the loan terms to the borrower, including counseling when needed.
    • Coordinated closely with Underwriters and Loan Processors to provide additional documentation or written explanation to clear conditions for approval.
    • Scheduled, managed closing, signed and notarized documents with borrower.
    • Promoted from CSR I to Mortgage Loan Originator within 24 months.
    • Ranked number 1 in Sales for 2012 and 2013.

Personal Banker

Bank of America
06.2004 - 03.2009
  • Responsible for offering and selling financial products and services (credit cards, CDs, IRAs, etc.) to both Consumers and Small Businesses.
  • Maintained sales and customer satisfaction goals by actively meeting and greeting customers in the lobby and behind the teller line quickly identifying their needs upon entering the bank.
  • Attended weekly sales planning meetings in order to meet personal performance goals set by the BCM and ABCM.
  • Resolved complex service issues or referred such issues to the appropriate Associate to guarantee customer satisfaction and retention.
  • Recognized and responded to the banking centers sales or service capacity requirements with the appropriate level of urgency and action to reduce customer wait times.
  • Promoted from Teller to Personal Banker within 24 months.
  • Trained in Business Development.

Education

Residential Mortgage Loan Originator - Real Estate

Champion School of Real Estate
Plano, TX
11.2018

High School Diploma -

L.G. Pinkston High School
Dallas, TX

Skills

  • Point of sale systems
  • Store merchandising
  • Store operations management
  • Operations management
  • Staff management
  • Recruitment and onboarding
  • Financial cash management
  • Banking transactions management
  • Deposit transaction management
  • Work schedule management
  • Recruitment and hiring
  • Goal setting and evaluation

Timeline

Certified Store Leader

7-11/Seven Eleven
05.2019 - 11.2024

Experience Expert

Credit Union of Texas
06.2017 - 05.2018

FHA and Subordination Loan Processor

Mr. Cooper
10.2015 - 04.2017

Residential Mortgage Loan Originator

Third Federal Savings and Loan
05.2009 - 11.2014

Personal Banker

Bank of America
06.2004 - 03.2009

Residential Mortgage Loan Originator - Real Estate

Champion School of Real Estate

High School Diploma -

L.G. Pinkston High School

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BRIDGETTE MUHAMMAD