Joann Blackmon

• Collaborated with the General Manager on marketing initiatives to increase brand awareness and drive sales growth.
• Increased customer satisfaction by addressing and resolving concerns in a timely manner.
• Resolved problems promptly to elevate customer approval.
• Oversaw inventory management processes to maintain proper stock levels and minimize spoilage or waste.
• Developed and implemented new operational procedures, streamlining daily tasks and improving overall efficiency.
• Mentored staff members, fostering a supportive work environment that enhanced employee performance and retention.
• Ensured compliance with all health department regulations by implementing strict sanitation guidelines throughout the establishment.
• Analyzed customer feedback data to identify areas of improvement and develop solutions.
• Managed team schedule with eye for coverage needs and individual strengths.
• Assisted in the recruitment, hiring, and onboarding process for new employees to build a skilled workforce committed to excellence in service delivery.
• Optimized scheduling practices to ensure appropriate coverage during peak hours while minimizing labor costs.
• Oversaw inventory by ordering precise quantities of stock and executing corrective actions to drive profitability.
• Enhanced communication among team members through regular meetings, promoting an open dialogue about challenges and opportunities for improvement.
• Developed and executed strategies to improve guest experience, resulting in positive customer reviews and increased repeat business.
• Improved employee morale through recognition programs that acknowledged individual achievements and team successes.
• Mentored and motivated team members to achieve challenging business goals.
• Implemented staff training programs that improved service quality and increased customer loyalty.
• Collaborated with other department managers on cross-functional projects, fostering a cooperative atmosphere that drove overall organizational success.
• Boosted team morale and productivity by implementing regular feedback sessions and recognition programs.
• Launched staff engagement, gender diversity and cultural programs in addition to robust reporting tool that increased operational quality.

• Reviewing and evaluate new subrogation transfers for facts and liability to determining the most effective collection potential on PIP and Medpay liens direct with claimant carrier and attorney's in all fifty states.

• Negotiate settlements under state laws and regulations that allow subrogation. Obtaining recovery goals as set forth in performance objectives

• Gathered information about disputes by interviewing individuals, witnesses and other involved parties

• Prioritized and organized tasks to efficiently accomplish service goals • Negotiated settlements and agreements between parties by providing mutual support and driving resolutions

• Assessed conflicts by analyzing all aspects and sides of situations with impartial viewpoint and consideration of applicable laws

• Devised innovative and targeted solutions for each case to achieve mutually satisfactory resolutions

• Utilized proven methods of dispute resolution by fostering understanding of opposing party's perspective

• Authored settlement agreement documents containing resolutions and obtained signatures from both parties to finalize agreements

• Educated disputants on laws, regulations and procedures applying to cases and potential legal roadblocks for proposed solutions • Determined extent of liability by reviewing evidence, laws and administrative or judicial precedents

• Worked closely with team members to deliver project requirements, develop solutions and meet deadlines.

• Authored settlement agreement documents containing resolutions and obtained signatures from both parties to finalize agreements. • Determined extent of liability by reviewing evidence, laws and administrative or judicial precedents.

• Educated disputants on laws, regulations and procedures applying to cases and potential legal roadblocks for proposed solutions. • Prepared for hearings by reviewing laws and regulations. • Readied settlement paperwork for signature.

• Delivered conclusions on mediation cases.

• Promoted high customer satisfaction by resolving problems with knowledgeable and friendly service.

• Understood and followed oral and written directions.

• Worked successfully with diverse group of coworkers to accomplish goals and address issues related to our products and services. • Demonstrated leadership by making improvements to work processes and helping to train others.

• Conducted studies of appeals procedures to confirm adherence to legal requirements while facilitating disposition of cases.

• Facilitated communication and collaboration among disputants using mediation methods.

• Prioritized and organized tasks to efficiently accomplish service goals. • Planned and completed group projects, working smoothly with others. • Identified needs of customers promptly and efficiently.

• Assisted with customer requests and answered questions to improve satisfaction.

• Maintained updated knowledge through continuing education and advanced training.

• Provided excellent service and attention to customers when face-to-face or through phone conversations.

• Participated and attended meetings or seminars to obtain information for use in training programs or to inform management of training program status.

• Obtained and organized manuals, guides and visual materials for development and training purposes.

• Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
• Managed a high volume of loan applications, consistently meeting or exceeding established processing timeframes for both new loans and refinancing.
• Handled any conditions sent from underwriting departments.
• Contributed to the success of the mortgage team by providing essential support in the areas of loan documentation review, data entry, and client communication.
• Expedited mortgage approval times by proactively resolving any discrepancies in borrower documentation.
• Achieved high levels of accuracy in document processing, double-checking details against application requirements.

• Assisted Underwriting in Reviewing and verifying borrowers' income, credit reports, employment histories, property appraisals and title insurance information to prepare loan applications for underwriting submittal

• Ensure compliance with company policies, underwriting guidelines and lending- program requirements.

• Enforced customer service standards and resolved customer problems to uphold quality service.

• Exercised good judgment and decision-making in escalating concerns and resolving issues.

• Assessed credit risk and analyzed financial statements.
• Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
• Analyzed credit scores to determine borrowers' creditworthiness.
• Reviewed credit reports to comprehensively view borrowers' credit history and identify potential red flags.
• Enhanced credit risk assessment by conducting thorough financial statement analysis and cash flow projections.
• Ensured compliance with internal policies and regulatory requirements through diligent documentation of all credit decisions.
• Improved overall portfolio quality, conducting regular reviews of existing accounts and recommending appropriate actions.
• Focused Ability to multi-task and handle high work volumes
• Debt and credit management Sales Productivity Strong attention to detail Strong Negotiation skills

• Selected as a founder in Credit Line Risk Detection Successfully exceeded 100% of department goals Selected to primarily focus queue work to mitigate risk and prevent company losses Averaged over $1 million in monthly sales Mentored and Developed new hire associates in both the Berea and Cleveland sites Recognized by management for my extensive knowledge of unsecured lending criteria and policies Lead team in generating revenue by cross selling customers with the appropriate products tailored to their needs Lead team in reducing risk for the business Maintaining diaries daily to reach and exceed required recovery goals, Review lending decisions for credit worthiness and quality based on established guidelines.

• Requires extensive knowledge of lending criteria and policy as well as all applicable systems

• Possesses the highest level of management credit approval authority

• Established positive rapport with customers, managers and customer service team members to maintain positive and successful work environment.

Set clear expectations and helped employees pursue optimal paths for achieving each target.

• Assessed team member performances by delivering one-on-one coaching to promote better service.

• Confirms initial analyst approvals where consistent with overall judgmental lending principles and reports lending approvals that fall outside established guidelines

• Successfully retained at-risk customers by presenting customized offers based on their preferences and usage patterns.
• Increased customer retention by addressing concerns and offering tailored solutions to retain business.
• Monitored performance metrics to ensure alignment with company goals related to retention and customer satisfaction.
• Improved overall portfolio quality, conducting regular reviews of existing accounts and recommending appropriate actions.
• Focused Ability to multi-task and handle high work volumes
• Proven ability to learn quickly and adapt to new situations.
• Required extensive knowledge of Credit Card, Consumer Lending and/or Business Card lending criteria and policy as well as all business related systems
  • Possessed the highest level of non-management credit approval authority and typically handles higher risk or more complex credit applications
  • Applies judgmental lending principles in decisioning Credit Card, Consumer Lending and/or Business Card applications
  • Responsible to cross sell appropriate bank products
  • Assisted in mentoring junior Credit Analysts
• Demonstrated strong organizational and time management skills while managing multiple projects.
• Self-motivated, with a strong sense of personal responsibility.
• Worked effectively in fast-paced environments.
• Skilled at working independently and collaboratively in a team environment.
• Resolved account issues for enhanced customer satisfaction and loyalty.

• Enhanced customer satisfaction by efficiently addressing and resolving credit card issues.
• Received inbound customer calls related to credit and accounts receivable.
• Managed high-stress situations effectively, maintaining professionalism under pressure while resolving disputes or conflicts.
• Resolved customer complaints with empathy, resulting in increased loyalty and repeat business.
• Handled escalated calls efficiently, finding satisfactory resolutions for both customers and the company alike.
• Responded to customer requests for products, services, and company information.
• Developed strong product knowledge to provide informed recommendations based on individual customer needs.
• Developed rapport with customers through active listening skills, leading to higher retention rates and positive feedback from clients.
• Contributed to sales growth by upselling products and services based on individual customer requirements.
• Participated in cross-functional teams to discuss ways to improve overall customer satisfaction across company.
• Improved resolution time with effective problem-solving for customer complaints.
• Resolved escalated customer issues, restoring confidence in company's commitment to service excellence.
• Delivered exceptional customer service to every customer by leveraging extensive knowledge of products and services and creating welcoming, positive experiences.
• Trained new personnel regarding company operations, policies and services.