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