MARICARMEN FRAIRE
Dalton,GA
Summary
Driven leader with a proven track record at Lendmark Financial Services, excelling in operations management and customer retention. Skilled in compliance management and relationship building, significantly enhancing customer satisfaction and team performance. Demonstrates expertise in financial services and loan management, achieving notable results in customer service and operational efficiency.
Overview
14
14
years of professional experience
Work History
Assistant Branch Manager
Lendmark Financial Services
2017.01 - Current
- Develop and manage employee schedules, balancing individual requests and requirements with business needs.
- Conduct daily staff meetings to motivate staff members, address concerns, and questions, plan improvements and evaluate progress toward goals.
- Respond to customer concerns, working with Branch manager to significantly raise customer satisfaction ratings.
- Complete filings and uphold strict compliance with regulatory agencies and supervisors.
- Facilitate customer satisfaction by executing personal communication and frequent follow-ups.
- Review credit applications for risk factors and credit worthiness.
- Compile financial data to comply with budget.
- Train and develop new team members in alignment with branch service standards and objectives.
- Demonstrate knowledge of branch financial products, loans and lines of credit.
- Calculate loan applicant debt ratios, income and terms and payments to determine financial stability of applicants to repay loan.
- Review loans, sales contracts, car appraisals, and titles to effectively underwrite loans.
- Responded to customer requests for products, services, and company information.
- Utilize customer service software to manage interactions and track customer satisfaction.
- Develop customer service policies and procedures to meet and exceed industry service standards.
- Answer customer inquiries regarding account balances, transaction history, services charges, and interest rates.
- Process customer transactions promptly, minimizing wait times.
- Approved, declined, or counter-offered loans up to $15000.
Store Manager
TMX Finance Family of Companies
2014.10 - 2017.01
- Handled problematic customers and clients to assist lower-level employees and maintain excellent customer service.
- Interacted well with customers to build connections and nurture relationships.
- Cultivated and strengthened lasting client relationships using strong issue resolution and dynamic communication skills.
- Scheduled employees for shifts, taking into account customer traffic and employee strengths.
- Reported issues to higher management with great detail.
- Consulted with customers using positive communication and active listening skills, offering sound feedback and answering critical questions with effective solutions.
- Reviewed customer applications closely to identify any opportunities for further development and revenue.
- Educated customers about title pawn options, benefits and restrictions.
- Achieved sales goals consistently by tenaciously pursuing new connections and loan opportunities.
- Handled paperwork and moved between customers and lending institutions to smoothly resolve any concerns.
- Generated numerous valuable leads through outbound phone calls to local consumers and businesses.
- Originated, reviewed, processed, closed, and administered customer loan proposals.
- Assisted customers in understanding loan terms and conditions to make informed decisions.
- Collaborated with other departments to promptly process loan applications.
Store Manager
Little Caesars Pizza
2013.02 - 2014.10
- Trained and guided team members to maintain high productivity and performance metrics.
- Scheduled employees for shifts, taking into account customer traffic and employee strengths.
- Maintained established levels of goods based on sales forecasts and demand to fulfill orders on time.
- Assigned tasks to team members to complete within designated time frames.
- Scheduled shifts and shift changes to accommodate workload and customer needs.
- Loaded perishable items onto shelves or in climate-controlled coolers to maintain freshness of items and organize food inventory.
- Monitored food inventory and supplies to prevent waste.
- Checked food inventory and ordered ingredients.
- Rotated food items and discarded expired items to keep food inventory fresh.
- Maintained clean and safe work area by properly storing food, wiping off counters, sweeping and emptying trash to comply with kitchen sanitation and food safety guidelines.
- Prepared food items according to safe handling procedures.
- Monitored food temperatures for proper holding procedures.
- Evaluated food for quality, quantity and temperature to determine proper preparation and portioning.
Cashier
Wendys Restaurant
2011.02 - 2013.02
- Worked flexible schedule and extra shifts to meet business needs.
- Welcomed customers and helped determine their needs.
- Addressed customer needs and made product recommendations to increase sales.
- Greeted customers entering store and responded promptly to customer needs.
- Operated cash register for cash, check, and credit card transactions with excellent accuracy levels.
- Restocked and organized merchandise in front lanes.
Education
High School Diploma -
Dalton High School
Dalton, GA05.2012
Skills
- Audit preparation
- Customer Retention
- Relationship building and management
- Financial Services
- Operations Management
- Compliance Management
- Loan expertise
- Account Management
- Cash Handling
- Customer Service
- Data Entry
- Call Center Operations
Languages
Spanish
Native or Bilingual
English
Native or Bilingual
Timeline
Assistant Branch Manager
Lendmark Financial Services
2017.01 - Current
Store Manager
TMX Finance Family of Companies
2014.10 - 2017.01
Store Manager
Little Caesars Pizza
2013.02 - 2014.10
Cashier
Wendys Restaurant
2011.02 - 2013.02
High School Diploma -
Dalton High School
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