Karen Stlawrence
Nashua,NH
Summary
Proven Vendor Merchandiser with extensive experience at Crossmark, adept in implementing planograms and enhancing inventory accuracy. Excelled in creating effective displays and maintaining strong relationships with store managers. Skilled in using inventory devices and proficient in hand truck operations, demonstrating both technical and interpersonal abilities. Achieved significant compliance improvements in jewelry and cosmetics departments.
Overview
32
32
years of professional experience
Work History
Vendor Merchandiser
Crossmark
New Hampshire, Massachusetts
08.2023 - Current
Current Crossmark
Complete surveys
For companies we
We represent.
Completed Audits
Floor and end cap displays.
Use of store devices for inventory in stockroom.
Completed checklists
In HBA.
Jewlery Dept
Stocking ,sorting,
Implementing Planograms, Helping customers,
Interfacting with Managers.
Keeping Jewelry in compliance with plan.
Kept in contact with Managers with updates
SAS Vendor Merchandiser
SAS
New Hampshire, Massachusetts
08.2020 - 08.2023
Vendor Merchandiser
Made displays
Price changes
Inventory on my device
Completed
surveys
Stock selfs
Completed Surveys
Completed write offs
.interacted with management.
Traveled from store to store in New Hampshire Massachusetts
Vendor Merchandiser
TNG Merchandising
MASSACHUSETTS NEW HAMPSHIRE
05.2018 - 08.2020
TNG merged with SAS. My former employer.
Implemented best practices with management
Surveys on my device.
Stocking shelves.
Wrote up out of codes (write offs
Did inventory on my device
Kept in touch with store Managers.
Traveled.
Planograms
Vendor Merchandiser
S&K
HANSCOM AFB BEDFORD MA
05.1992 - 05.2018
Vendor Merchandiser
Stocked
Wrote up damaged
Wrote up open
orders
Planograms
For cosmetics, jewlery,Yankee Candles, Godiva chocolates.
Demos
Made great relationships with management and employees.
At the Hanscom AFB BX AND COMMISARY
Education
High School -
Rutland High School
Rutland, VTMaximumassistance
The DPA program will provide eligible buyers with 10% of the purchase price up to $30,000., Unless otherwise approved by the Trust, the purchase price must not exceed the appraised value of the property. The Trust will determine the maximum amount for each application based on purchase price and availability of funds.
Eligibilityrequirements
- Be a first-time homebuyer (or one that has had no homeownership interest in a principal residence during the past 3 year OR you are a displaced homemaker or single parent who has only owned a home with a former spouse while married)
- Complete a homebuyer education class conducted by a HUD approved housing counseling agency and provide certification of completion
- Own or have assets that do not exceed $75,000 ($375,000 for those over 55 years of age)
- Intend to reside in the purchased property as your primary residence
- Put down no less than 1.5% of the sale price
- Earn a household income that is at or below 100% of Area Median Income
Firsttimehomebuyerdefinition
For purposes of the program, a buyer will be considered a first-time homebuyer as long as they have not owned a home within three years before application. The following individuals will be considered to be first-time homebuyers regardless of prior homeownership: 1. Displaced homemaker who owned a home with their partner or resided in a home owned by the partner; 2. Single parents who owned a home with their partner or resided in a home owned by the partner and is a single parent; 3. Households with at least one household member who is 55 or over; 4. Households that owned a principal residence not permanently affixed to a permanent foundation in accordance with applicable regulations; and 5. Households that owned a property that was not in compliance with State, local or model building codes and that cannot be brought into compliance for less than the cost of constructing a permanent structure.
Incomelimits
1, $93,800, 2, $107,200, 3, $120,600, 4, $134,000, 5, $144,750, 6, $155,450, Income limits are determined by the Community Preservation Act definition of moderate income housing limits. The Trust will use HUD's Technical Guide for Determining Income and Allowances for the HOME Program in calculating what is included in a household's annual income. Generally, annual income is the adjusted gross income reported in the U.S. Internal Revenue Service (IRS) Form 1040 series for individual Federal annual income purposes. Gross income includes income received by all household members who are 18 years old or older, which is taxable under the IRS guidelines and any other taxable income as defined by the IRS tax code, and includes various sources of income.
Loanconditions - Conditions
- The combined principal amount of each mortgage cannot exceed the purchase price.
- All mortgages must be a fully amortizing fixed rate mortgage.
- All mortgages must be made by an institutional lender.
- All mortgages must have a fixed interest rate through the full term of the mortgage that is no higher than 2 percentage points higher than the current Massachusetts Housing Finance Agency's interest rate.
- All mortgages must not have more than 2 points.
- All mortgages must not have any non-household members as a co-signer or guarantor of the mortgage.
Applicationform
TOWN OF NORTH ANDOVER DOWN PAYMENT ASSISTANCE APPLICATION, Borrower 1, Borrower 2, Do you own or have financial interest in any other real estate and/or business?, You may qualify as a First Time Home Buyer if:, Do you qualify as a First Time Home Buyer?, Have you attended an approved First Time Home Buyer Education class?, Do you have an executed Purchase and Sales Agreement?, 15 Union Street, Suite 401, Lawrence, MA, 01840, (978) 685-1823, Angie Gil, a.gil@brhousing.org
Applicationchecklist - Steps
- Step 1: Submit Applicant Eligibility Information, Completed Down Payment Assistance Application, Income Verification, Mortgage Pre-Approval letter
- Step 2: Submit Property Eligibility Information, An executed Purchase and Sale Agreement, Application Form 1003 and 1008 from your lender, Proof of cash paid by applicant toward down payment (copy of check), Executed Final Loan Commitment, Copy of Appraisal Summary sheet, Copy of Home Inspection Report, Copy of credit report from lender, Copy of HUD Settlement Statement (prior to disbursement of funds)
Organization
TOWN OF NORTH ANDOVER
Personal Information
Title: DOWN PAYMENT ASSISTANCE PROGRAM
Timeline
Vendor Merchandiser
Crossmark
08.2023 - Current
SAS Vendor Merchandiser
SAS
08.2020 - 08.2023
Vendor Merchandiser
TNG Merchandising
05.2018 - 08.2020
Vendor Merchandiser
S&K
05.1992 - 05.2018
High School -
Rutland High School