Overview
Work History
Skills
Rotary Member of Oreland
Timeline
Generic

John T. Elias

Glenside,Pennsylvania

Overview

81
81
years of professional experience

Work History

Senior Loan Officer

County Of Montgomery
Norristown, PA
10.1999 - 06.2014
  • Originated, reviewed, processed, closed and administered customer loan proposals.
  • Recommended loan approvals and denials based on customer loan application reviews.
  • Reviewed and edited loan agreements to promote efficiency and accuracy.
  • Submitted loan applications to underwriter for verification and recommendations.
  • Maintained strict confidentiality of bank records and client information.
  • Advised clients on mortgage, education and personal loans.
  • Closely monitored performance of current portfolio of specialty loans and made changes to achieve performance targets.
  • Conducted UCC searches and created environmental reports as part of loan process.
  • Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
  • Monitored pipelines to track and log status of loans.
  • Compiled closing packages for drafting and presentation accuracy.
  • Assisted clients with improving financial health by counseling on issues such as excessive spending and borrowing.
  • Reviewed over [Number] financial statements per [Timeframe].

Loan Officer

Keegan Mortgage Company
Oreland, PA
02.1995 - 08.2009
  • Submitted loan applications to underwriter for verification and recommendations.
  • Originated, reviewed, processed, closed and administered customer loan proposals.
  • Recommended loan approvals and denials based on customer loan application reviews.
  • Maintained strict confidentiality of bank records and client information.

Sales Representative

Baltic Linen
NYC, New York
03.1980 - 04.2009
  • Increased sales by offering advice on purchases and promoting additional products.
  • Achieved monthly sales goals by promoting product benefits and enrolling new clients.
  • Retained excellent client satisfaction ratings through outstanding service delivery.
  • Reached out to customers after completed sales to evaluate satisfaction and determine immediate service requirements.
  • Increased sales by offering consultation on products and services and applying customer service and upselling techniques.
  • Attended advanced training sessions and conferences to increase product knowledge and productivity.
  • Cold-called leads and closed large number of new sales over several months.
  • Evaluated inventory and delivery needs and optimized strategies to meet customer demands.
  • Effectively sold significant overstock of inventory, reducing overhead and improving cash flow.
  • Determined problem areas and resolved issues related to profitability and business objective achievement.

Business Owner/Operator

Anchor Deli
Wrightowns, PA
07.1987 - 07.1994
  • Oversaw end-to-end business processes to maintain proficiency and profitability.
  • Monitored staff performance, providing final-say assessment over inquiries.
  • Led screening, hiring and staff scheduling to maintain compliance with group goals.
  • Put together realistic budgets based upon costs and fees for successfully operating business.
  • Oversaw business budget planning and administration, accounting functions, purchasing and bi-weekly payroll to handle financial needs.
  • Optimized team hiring, training and performance.
  • Provided financial management through preparation of bank deposits and settlement of sales, returns and transaction reports.
  • Input income and expense details into database to track business finances and address variances.
  • Provided outstanding coaching to employees to boost productivity.
  • Devised processes to boost long-term business success and increase profit levels.
  • Learned and remained updated on statutory requirements and regulations.
  • Assessed supplier quality to maintain tight cost controls and maximize business operational performance.
  • Built and deployed operational procedures, training programs and administrative systems to handle needs.

Customer Service Specialist Head Cashier

Acme Markets
New Philadelphia, PA
02.1971 - 05.1986
  • Resolved customer complaints and maintained clean and tidy checkout area.
  • Counted money in drawers at beginning and end of each shift.

Skills

  • Application Reviews
  • Information Verification
  • Loan Processing Coordination
  • Credit File Updating

Rotary Member of Oreland

Member for 8 years, great Organization but, when I went to work for Montgomery County time did not permit me to continue.

Timeline

Senior Loan Officer

County Of Montgomery
10.1999 - 06.2014

Loan Officer

Keegan Mortgage Company
02.1995 - 08.2009

Business Owner/Operator

Anchor Deli
07.1987 - 07.1994

Sales Representative

Baltic Linen
03.1980 - 04.2009

Customer Service Specialist Head Cashier

Acme Markets
02.1971 - 05.1986
John T. Elias