Larry Cosman
Brooklyn Park,MN
Summary
Authorized to work in the US for any employer. Serviced-focused General Manager dedicated to delivering positive customer experiences to promote loyalty and repeat business. Orchestrates optimal resource utilization to handle expected operational needs. Sales leader with sound judgment, good planning abilities and interpersonal communication strengths.
Overview
21
21
years of professional experience
1
1
Certification
Work History
Mortgage Specialist
Guaranteed Rate
Chicago, IL
07.2021 - 02.2022
- Evaluated pay stubs, credit history, tax information and bank statements for financial status.
- Explained legal aspects of loan to borrower, as well as payment terms and clauses.
- Remained updated with latest information related to mortgage products and services being offered.
- Created profitable and efficient solutions.
Mortgage Consultant
Wells Fargo & Company
Minneapolis, MN
09.2019 - 06.2021
- Oversaw sales and underwriting processes of mortgage lending office.
- Explained different types of loans pertaining to client situations.
- Worked with underwriters to fix application problems and resolve issues.
- Reviewed loan files and updated to match current standards.
- Fielded customer complaints and provided solutions.
General Manager
Holiday Stationstores
Brooklyn Park, MN
07.2017 - 09.2019
- Run day to day operations.
- Manage staff, prepare work schedules, assign specific duties.
- Determine staffing requirements, interview, hire and train new employees.
- Determine goods and services to be sold.
- Managed budget implementations, employee reviews, training, schedules and contract negotiations.
- Developed and maintained relationships with customers and suppliers through account development.
- Maximized efficiency by coaching and mentoring personnel on management principles, industry practices, company procedures and technology systems.
Store Manager
SEARS HOMETOWN AND OUTLET
Minneapolis, MN
02.2015 - 06.2017
- Manage staff, preparing work schedules and assigning specific duties.
- Direct and coordinate activities of businesses or departments concerned with the production, pricing, sales, or distribution of products.
- Determine staffing requirements, and interview, hire and train new employees, or oversee those personnel processes.
- Determine goods and services to be sold, and set prices and credit terms, based on forecasts of customer demand.
Mortgage Consultant
Nationstar Mortgage
Maple Grove, MN
07.2012 - 10.2014
- Determine customers' financial services needs and prepare proposals to sell services that address these needs.
- Contact prospective customers to present information and explain available services.
- Prepare forms or agreements to complete sales.
- Develop prospects from current commercial customers, referral leads, or sales or trade meetings.
- Review business trends to advise customers regarding expected fluctuations.
Mortgage Consultant
PNC / Wells Fargo Mortgage
Minneapolis, MN
08.2008 - 05.2012
- Determine customers' financial services needs and prepare proposals to sell services that address these needs.
- Contact prospective customers to present information and explain available services.
- Develop prospects from current commercial customers, referral leads, or sales or trade meetings.
- Make presentations on financial services to groups to attract new clients.
- Evaluate costs and revenue of agreements to determine profitability.
- Prepare forms or agreements to complete sales.
Wholesale Rep
Centennial Mortgage & Funding And Midwest Bank
Minneapolis, MN
12.1999 - 07.2008
- Contact new and existing customers to discuss their needs, and to explain how these needs could be met by specific products and services
- Quote prices, credit terms, or other bid specifications.
- Emphasize product features based on analyses of customers' needs and on technical knowledge of product capabilities and limitations.
- Maintain customer records, using automated systems.
- Identify prospective customers by using business directories, following leads from existing clients, participating in organizations and clubs, and attending trade shows and conferences.
- Select the correct products or assist customers in making product selections, based on customers' needs, product specifications, and applicable regulations.
- Prepare sales presentations or proposals to explain product specifications or applications.
Education
High School Diploma -
Robbinsdale
Robbinsdale, MNSkills
- Finance and Accounting Oversight
- Problem Anticipation and Resolution
- Program Optimization
- Performance Monitoring and Evaluation
- Outlook
- Excel
Additional Information
- United States Marine Corp
Certification
- Mortgage License in 12 states.
Timeline
Mortgage Specialist
Guaranteed Rate
07.2021 - 02.2022
Mortgage Consultant
Wells Fargo & Company
09.2019 - 06.2021
General Manager
Holiday Stationstores
07.2017 - 09.2019
Store Manager
SEARS HOMETOWN AND OUTLET
02.2015 - 06.2017
Mortgage Consultant
Nationstar Mortgage
07.2012 - 10.2014
Mortgage Consultant
PNC / Wells Fargo Mortgage
08.2008 - 05.2012
Wholesale Rep
Centennial Mortgage & Funding And Midwest Bank
12.1999 - 07.2008
High School Diploma -
Robbinsdale
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