Margaret Rad
Indialantic,FL
Summary
Experienced . Excellent reputation for resolving problems and improving customer satisfaction. Insightful Manager with experience directing and improving operations through effective employee motivational strategies and strong policy enforcement. Proficient in best practices, market trends and regulatory requirements of industry operations. Talented leader with analytical approach to business planning and day-to-day problem-solving.
Overview
23
23
years of professional experience
1
1
Certification
Work History
Central Support II
CARDINAL FINANCIAL SERVICES
CHARLOTTE, SOUTH CAROLINA
08.2020 - 06.2022
- Responded to internal and external requests for information.
- Developed community reputation through commitment to customer satisfaction and strong client relationships.
- Liaised with customers, management and sales team to better understand customer needs and recommend appropriate solutions.
- Used company troubleshooting resolution tree to evaluate technical problems and find appropriate solutions.
- Delivered exceptional customer service to every customer by leveraging extensive knowledge of products and services and creating welcoming, positive experiences.
- Responded proactively and positively to rapid change.
- Developed highly empathetic client relationships and earned reputation for exceeding service standard goals.
- Trained staff on operating procedures and company services.
- Increased efficiency and team productivity by promoting operational best practices.
- Implemented improvements to file systems and procedures.
- MBA license current
Relations Manager/Mortgage Underwriter
JPM Chase
Melbourne, FL
09.2009 - 06.2016
- Verified integrity of applicants' information to minimize fraud.
- Expanded cross-functional organizational capacity by collaborating across departments on priorities, functions and common goals.
- Set, enforced and optimized internal policies to maintain responsiveness to demands.
- Worked with processing team members to communicate errors and obtain missing information for current applications.
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
Assistant Manager
Bank Of America
Melbourne, FL
01.2007 - 08.2008
- Developed loyal and highly satisfied customer base through proactive management of team customer service strategies.
- Resolved problems promptly to elevate customer approval.
- Strengthened merchandising and promotional strategies to drive customer engagement and boost sales.
- Maintained secure cash drawers, promptly resolving discrepancies in daily totals.
- Mentored and motivated team members to achieve challenging business goals.
- Managed budget implementations, employee reviews, training, schedules and contract negotiations.
- Taught staff strategies for completing work and smoothly carrying out senior management directives.
- Oversaw computer database and physical filing systems.
- Built customer loyalty by devising promotions and products according to customer needs and budget.
- Maintained well-controlled business inventory with minimal losses by enforcing solid monitoring and management structures.
Business Banker Trainer
Wachovia Bank
Melbourne, FL
01.2004 - 01.2007
- Cross-trained existing employees to maximize team agility and performance.
- Maximized performance by monitoring daily activities and mentoring team members.
- Evaluated employees' strengths and assigned tasks based upon experience and training.
- Adjusted job assignments and schedules to keep pace with dynamic business needs, factoring in processes, employee knowledge and customer demands.
- Developed and maintained relationships with customers and suppliers through account development.
- Raised performance in areas of sales, management and operations by identifying and targeting areas in need of improvement.
- Accomplished multiple tasks within established timeframes.
Branch Sales Manager
CitiFinancial Mortgage
St Petersburg, Florida
01.1993 - 01.2003
- Managed branch sales, customer service, finances, and recordkeeping.
- Resolved customer complaints to maintain high level of satisfaction.
- Coordinated calls to prospective and existing customers, acceptance of small business loan applications and referrals to other product specialists.
- Worked directly with customers and associates to handle internal and external complaints and objections.
- Built relationships with customers and community to establish long-term business growth.
- Achieved sales goals and service targets by cultivating and securing new customer relationships.
- Resolved problems with high-profile customers to maintain relationships and increase return customer base.
- Collaborated with upper management to implement continuous improvements and exceed team goals.
- Coordinated staff sales meetings to discuss developmental strategy, best practices and process improvements.
- Exceeded sales quotas and increased profitability through effective sales strategy and business planning.
Skills
- Managing Employee Relations
- Operations and Efficiency
- Configuration
- Sound Cues
- All Banking and Financial services proficient in management
Certification
- Licensed Active Realtor since 2018
- Berkshire Hathaway Home Services
- MBA License current
Timeline
Central Support II
CARDINAL FINANCIAL SERVICES
08.2020 - 06.2022
Relations Manager/Mortgage Underwriter
JPM Chase
09.2009 - 06.2016
Assistant Manager
Bank Of America
01.2007 - 08.2008
Business Banker Trainer
Wachovia Bank
01.2004 - 01.2007
Branch Sales Manager
CitiFinancial Mortgage
01.1993 - 01.2003
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