Kimberly Gritzman

• Developed business plan
• Established marketing strategies, such as social media campaigns, to promote the business.
• Directed or coordinated financial or budget activities to fund operations and maximize investments.
• Completed thorough opening, closing, and shift change functions to maintain operational standards each day.

• Provided customer service to bank clients, answering inquiries and resolving complaints.
• Developed financial plans for customers based on their individual needs.
• Advised customers on various banking products and services such as loans, investments, and credit cards.
• Analyzed customer's financial information to determine the best banking products for them.
• Processed loan applications and prepared relevant documents for approval.
• Monitored changes in regulations affecting banks and updated policies accordingly.
• Performed daily reconciliation of bank accounts to ensure accuracy of records.
• Maintained accurate records of all transactions within the branch's database system.
• Assisted with onboarding new employees by training them on banking procedures.
• Ensured compliance with state and federal banking regulations through regular reviews.
• Coordinated with other departments regarding customer requests or disputes resolution.
• Advised customers on bank products, services and financial planning options.
• Helped customers open and close accounts, apply for loans and make sound financial decisions.
• Completed daily cash balancing and operated ATMs.
• Reconciled cash and checks against computer records at end of shift.
• Drove branch sales growth by recommending various financial products to prospective customers.

My experience as a business manager goes beyond daily operations. My goal is to keep full acknowledgment of accounts, collections lending, revenue, scheduling, marketing and filing judgments and garnishments, repossession and/or collateral on default accounts. I have continued to grow learn and excel in the lending profession.

• Maintained financial records, prepared budgets, and monitored expenditures for multiple departments.
• Managed a team of staff members, providing guidance and direction to ensure successful completion of projects.
• Developed and implemented policies and procedures to improve operational efficiency.
• Provided training sessions for employees on new software systems used in business operations.

As a Realtor along the Mississippi Gulf Coast, I took pride in the industry, working closely with other Realtors, brokers, lenders, banks, mortgage companies, Fannie Mae, HUD, foreclosures, and commercial real estate properties. As a member of the Board of Realtors, I was able to succeed with my business representing the real estate industry along the Mississippi Gulf Coast, providing the best quality service as a Realtor after being a real estate office manager. As an office manager, my goal was to ensure that Realtors and Brokers were prepared for their closings in a timely manner, including earnest money, communications, payroll, spreadsheets, and managing and maintaining meetings, while providing backup for the Team Leader with Real Estate projects and events, which were key factors in everyday business.

• Advised clients on market conditions, prices, mortgages, legal requirements and related matters.
• Developed networks with appraisers, lenders, and home inspectors to facilitate real estate transactions.
• Conducted property inspections to ensure compliance with applicable regulations and standards.
• Researched current listings available in the area using multiple online resources.
• Analyzed potential investment opportunities based on financial reports.
• Promoted property sales through advertisements, open houses and participation in multiple listing services.
• Facilitated real estate purchases by reviewing listings, accompanying clients to properties and communicating sale conditions.

• Developed and implemented policies and procedures to ensure efficient operations.
• Monitored store performance, analyzed sales data, and identified areas for improvement.
• Provided leadership, coaching, and guidance to store staff members.
• Ensured compliance with all company standards for customer service, product presentation, and store cleanliness.
• Recruited, interviewed, hired and trained new employees.
• Conducted regular inventory audits to identify shrinkage issues or discrepancies in stock levels.
• Established daily work schedules for store personnel based on customer traffic patterns.
• Implemented promotional campaigns to increase sales volume and market share.

As an operational manager for a franchise business in Colorado and Wisconsin, I managed this business through two separate business owners. I was responsible for all matters concerning the business, which included hiring/firing, payroll, maintenance, ordering, and ensuring all the bills for the business, as well as all the operational duties, were addressed in a timely manner.