Joy Kerolle
Elmont,NY
Summary
Talented mortgage professional offering 20 years of experience in trend monitoring, market pricing and deal-making. Gifted in oral and written communication, contract negotiation and dispute resolution. Desire to bring expertise to dynamic position with room for career growth and opportunity to make lasting impact on team profitability.
Overview
23
23
years of professional experience
1
1
Certification
Work History
Financial Services Representative
World Financial Group Wfg
Valley Stream, NY
11.2017 - 11.2021
- Worked with clients to develop financial planning strategies and solutions through evaluation of finances.
- Educated and worked with clients on ROI terms to find accurate solutions.
- Acted as liaison between customers and funders to increase overall funding by 25% and remove financial roadblocks
- Built and deepened productive relationships with prospective and competitive customers to drive sustained growth
Personal Banker
Citibank
East Meadow, NY
06.2015 - 10.2017
- Networked to increase client base and encourage existing clients to expand financial portfolios.
- Helped clients plan for and fund retirements using mutual funds and other options to manage, customize and diversify portfolio.
- Assisted customers with setting up or closing accounts, completing loan applications and signing up for new services.
- Developed top-performing teams, leading to increased branch efficiency and positive customer feedback
Financial Analyst
HBC Tech
Hempstead, NY
02.2012 - 06.2015
- Collected data and developed detailed spreadsheets to identify trends and create revenue, profitability and expense forecasts.
- Managed, tracked and monitored financial updates, watch lists and insurance files.
- Developed forecasting tools to analyze revenue variance, business pipeline and industry trends.
- Promoted successful investment plans with well-organized and smooth presentations.
- Calculated commissions for negotiators in excess of $10k per quarter
Personal Banker
Bank Of New York/Chase
Baldwin, NY
04.2007 - 01.2012
- Helped clients plan for and fund retirements using mutual funds and other options to manage, customize and diversify portfolio.
- Networked to increase client base and encourage existing clients to expand financial portfolios.
- Worked closely with management to strategize sales techniques to increase branch production and customer service.
- Continually boosted branch production and revenue by 25% by consistently meeting all monthly and quarterly sales goals.
- Developed top-performing teams, leading to increased branch efficiency and positive customer feedback
Account Management Specialist
Southern Star Mortgage
East Meadow, NY
12.1998 - 04.2007
- Collaborated with off-site personnel to verify consistent information accessibility and improve customer experience.
- Developed and maintained strategic operational processes, streamlining customer experience and adding value to company.
- Provided account oversight, validating practices and verifying contract compliance.
- Tracked statistical information for department and compiled data into reports submitted to management according to rigorous timetables.
Education
BBA - Business Administration
Briarcliffe College
Bethpage, NY05.2011
Skills
- Sales goals
- Risk management
- Loan applications
- Account maintenance
- Customer relationship building
- Account documentation
Certification
- CSP - Certified Sales Professional
Insurance License: life, accident, health
selling of annuities, term, whole life, Universal life, and Index Universal life insurance Health insurance and medicare certified. Providing protection for medical expenses, loss of income due to a disability, and the need for long-term
Timeline
Financial Services Representative
World Financial Group Wfg
11.2017 - 11.2021
Personal Banker
Citibank
06.2015 - 10.2017
Financial Analyst
HBC Tech
02.2012 - 06.2015
Personal Banker
Bank Of New York/Chase
04.2007 - 01.2012
Account Management Specialist
Southern Star Mortgage
12.1998 - 04.2007
BBA - Business Administration
Briarcliffe College
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