Erica Hastings
Sacramento,United States
Summary
My objective is to obtain a dynamic challenging opportunity with Amazon as an (Delivery service Partner - DSP). The DSP partnership will allow me to leverage my extensive leadership skills with building a strong team that meets the world on-time by guidance provided with training, developing and coaching. Will enable me to run a business that compliments Amazon's vision, values and work ethics. I bring over 25 years of customer service experience, 10 years of effective leadership and management experience. Additionally educated with an (A.A.S.) Business degree in Business Administration with Emphasis in Entrepreneurship.
Amazon is looking for someone to use their passion, strong work ethic, and leadership skills to partner as an DSP. It requires to be heavily involved in the day-to-day operations and comfortable navigating the ambiguity of a business that changes quickly and frequently.
I possess the necessary qualities to be an effective leader allows me to utilize my strong leadership skills to build a great team by great morale building, character developing, team mind-set, lead by example.This opportunity empowers me to service the community by providing employment opportunities. As well as providing extraordinary customer service to amazon customer's with excellence.
Leadership skills include:
Use Listening Sills * Use Reinforcement Techniques * Maintain/Enhance Self-Esteem * Manage Resistance * Focus on specific behavior and Outcomes * Provide QNI Feedback * Observation & Inspection *Coach Model -
(Connect, overview, align, commit, honor).
Overview
23
23
years of professional experience
Work History
Underwriter 2
Wells Fargo SBA Lending
Roseville, CA
11.2021 - 03.2024
- Analyzed risk and adhered to underwriting standards to drive risk selection and profitability.
- Inspect and analyze company financials such as, income statement, balance sheet, cash flow statement, interim financials. The underwriter focuses on the financial trends and comparisons and calculates the ratios such as sales growth, gross margin, activity days, liquidity ratios etc. This information flags material changes from the current year to the prior year and the interim to the current year for the underwriting process to determine eligibility for an SBA 504 or 7a loan.
- Mitigate and access financial risk.
- Inspect, credit information, CAIVRS, Duns and Bradstreet and title data to complete underwriting process.
- Utilized diverse data tools and processes to analyze, interpret and manage data.
- Followed underwriting guidelines in developing rates for new and renewal groups.
- Conducted comprehensive analysis and evaluated risk to control underwriting loss.
- Utilized underwriter authority to correspond with corporate risk appetite and strategy.
- Underwrote, managed and serviced profitable book of business.
Credit Analyst
Wells Fargo SBA Lending
Roseville, CA
09.2019 - 11.2021
- Reviewed customer financial data to ascertain level of risk involved for extending credit.
- Utilized underwriting skills to service existing customer's for loan modifications for material and non material request; such as, collateral release, rate modification, deferral, add or release guarantor etc...
- Prepared basic and preliminary credit analyses to determine creditworthiness and compliance.
- Requested financial documents from customers.
- Reconciled customer accounts to identify delinquencies or disputes, documenting root causes.
- Developed comprehensive understanding of financial statements, enhancing opportunities to assess risk.
- Worked closely with both customers and sales team to reconcile accounts and oversee payment negotiation.
- Conducted credit reviews on corporations to assess financial conditions.
- Monitored and maintained compliance with internal controls and government regulations.
- Presented key information to upper management and executive team for loan recommendations.
- Collected and organized loan documents before submission to underwriting.
- Assessed customer credit files regularly to review receivables.
- Demonstrated leadership by making improvements to work processes and helping to train others.
Loan Service Representative
Wells Fargo SBA Lending
Roseville, CA
11.2017 - 09.2021
- Delivered prompt, knowledgeable solutions to address customers' loan service issues.
- Handled routine and complex inquiries from customers, title companies and vendors each day.
- Processed payoffs, releases and curtailments for SBA 504 and 7a loans.
- Monitored loans to verify adequate and current insurance coverage. Successfully updated over 1500 loans with adequate insurance to avoid force placed insurance.
- Maintained and effectively managed a high volume pipeline. Responded to over 300 emails and customer request monthly.
- Reviewed client documentation and contracts for discrepancies and mistakes.
- Updated client account information and records in company databases.
- Analyzed applicant financial and credit status, evaluating assets and risk to determine loan feasibility.
- Listened carefully to customer complaints and swiftly resolved issues by taking appropriate action.
- Reviewed loan agreements to verify completeness and accuracy according to applicable policies.
- Prepared reports for customers with delinquent and irreconcilable accounts.
Supervisor
Wells Fargo National business banking Call center
Sacramento, CA
10.2013 - 11.2017
- Monitored employee productivity to provide constructive feedback and coaching.
- Complied with company policies, objectives and communication goals.
- Coordinated employee schedules according to shift changes and availability.
- Provided ongoing training to address staff needs.
- Reviewed completed work to verify consistency, quality and conformance.
- Established and enforced clear goals to keep employees working collaboratively.
- Responded to customer questions regarding products, prices and availability.
- Resolved customer complaints and adjusted policies to meet changing needs.
- Maintained operating schedules to provide effective coverage for key areas and achieve objectives.
- Identified and corrected performance and personnel issues to reduce impact to business operations.
- Planned and managed resources to consistently meet production, quality and cost goals.
- Interviewed applicants, recommended individuals for hiring and evaluated staff performance.
- Responded to employee concerns or complaints by coordinating with human resources team to solve issues.
- Coached staff members to develop long-term career goals.
- Displayed strong telephone etiquette, effectively handling difficult calls.
- Identified areas for improvement, narrowing focus for decision-makers in making necessary changes.
- Assessed company operations for compliance with safety standards.
- Evaluated processes and employee strengths to realign workflows with changing business demands.
- Maintained positive working relationship with fellow staff and management.
Team Lead
Wells Fargo NBBC Phone Bank
Sacramento, CA
05.2001 - 05.2009
- Delegated daily tasks to team members to optimize group productivity.
- Monitored team progress and enforced deadlines.
- Collaborated with management team to implement new work procedures or policies.
- Fostered positive employee relationships through communication, training and development coaching.
- Documented production levels and materials used to keep management informed.
- Implemented performance, quality and efficiency measures to achieve aggressive production goals.
- Motivated and empowered team members to build customer satisfaction and loyalty to support retention and growth.
- Helped mitigate and resolve data issues by analyzing situation and implementing appropriate solutions.
Consumer Phone Bank
Wells Fargo Bank, N.A.
Sacramento, CA
- Conversed with customers to share information about products and services.
- Introduced sales, promotions and other brand initiatives to gain customer loyalty.
- Promoted positive company image through superior customer service experiences.
- Employed basic selling techniques to engage with customers.
Education
Associate of Applied Science - Business Administration With Emphasis in
Heald College - Central Administrative Office
Walnut Creek, CA10.2013
Skills
Strengths Finder characteristics test results of my strengths (Tom Rath)
- INDIVIDDUALIZATION (Relationship Building): Intrigued with the qualities of each individual to build a strong team of different strengths and qualities
- INPUT (Strategic Thinking): Craving to know more by collecting/archiving helpful information
- REALTOR (Relationship building): Enjoy close relationships, find deep satisfaction in working hard with friends t achieve a goal
- STRATEGIC (Relationship Building): Creative alternative ways to proceed Faced with any given scenario, they can quickly spot the relevant patterns and issues and move forward
Accomplishments
- Married 25 years
- I serve the community as a dedicated member of the Saint Paul of Sacramento church as a current member for over 26 plus years. Developed relationships with over 500 plus in the Oak Park community through various different ministries.
- Took in foster kids raised, developed with life skills ministries.
- Counsel young lad's
- Over 15 years of Community outreach
- Walked my way through the ranks at Wells Fargo form Consumer phone bank, NBBC Phone bank, WF SBA loan service specialist, SBA Underwriter 2.
Timeline
Underwriter 2
Wells Fargo SBA Lending
11.2021 - 03.2024
Credit Analyst
Wells Fargo SBA Lending
09.2019 - 11.2021
Loan Service Representative
Wells Fargo SBA Lending
11.2017 - 09.2021
Supervisor
Wells Fargo National business banking Call center
10.2013 - 11.2017
Team Lead
Wells Fargo NBBC Phone Bank
05.2001 - 05.2009
Consumer Phone Bank
Wells Fargo Bank, N.A.
Associate of Applied Science - Business Administration With Emphasis in
Heald College - Central Administrative Office
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