Interfaced directly with customers via phone calls or emails providing guidance on payment processing options available.
Attended meetings with internal teams as well as external vendors to discuss strategies for improving customer experience.
Verified accuracy of all customer information before submitting applications for approval or processing payments.
Updated internal databases regularly with relevant information about merchants including contact details, payment preferences.
Performed quality assurance checks on software updates prior to deployment ensuring they meet established requirements.
Analyzed competitor offerings in order to develop pricing models that are competitive yet profitable for the organization.
Resolved technical issues related to credit card terminals and online transactions.
Investigated disputes raised by customers regarding their account activity or billing statements.
Identified areas of improvement within existing systems or processes used to process payments from customers.
Built strong, professional relationships through identification of client needs, which increased overall sales and opportunities.
Increased repeat business using great customer service, problem-solving and conflict resolution skills.
Networked to build client base and promote products to new and existing clients.
Boosted sales by executing complete sales cycle process from prospecting leads through contract negotiations and close.
Implemented professional sales presentations to creatively communicate product quality and market comparisons.
Met with store managers to discuss product needs, accomplish sales goals, and facilitate sales growth.
Negotiated and closed deals with minimal oversight.
Achieved sales goals, increasing revenue for top accounts and expanding personal sales portfolio.
Improved profitability and developed pipeline leveraging multiple marketing channels and sales strategies.
Promoted memorable shopping experiences resulting in increased customer retention and loyalty.
Streamlined operational efficiencies by tracking quarterly and annual sales metrics.
Forecasted sales for different accounts and managed inventory to ensure sufficient products at each site.
Planned and followed through with inventory management for each store.
Initiated and monitored strategies for retaining and servicing accounts to maintain consistent revenue streams.
Developed senior leadership reports for corrective action planning.
Strengthened branding initiatives by coordinating annual events to maximize outreach.
Participated in training sessions to improve product knowledge and sales techniques.
Internal and External Loan Officer
Bank of America
Plano, Texas
01.1995 - 01.2010
Assisted clients in completing loan applications and gathering necessary documentation.
Evaluated credit histories to determine applicant eligibility for loan products.
Educated borrowers on various loan options and terms to facilitate informed decisions.
Collaborated with underwriters to ensure timely processing of loan approvals.
Maintained accurate records of all interactions and transactions in the loan system.
Conducted thorough assessments of financial statements for risk analysis purposes.
Provided exceptional customer service by addressing client inquiries and concerns promptly.
Coordinated with real estate agents to streamline the home financing process for clients.
Educated customers on variety of loan products and available credit options to promote valuable decision-making.
Developed and maintained relationships with potential customers to increase loan business.
Delivered high levels of customer service to facilitate smooth processes.
Reviewed loan agreements to confirm completeness and accuracy.
Answered customer inquiries involving rates, products and loan application status to facilitate quality customer service.
Recommended loan approvals and denials based on customer loan application reviews.
Reviewed credit histories, income statements, and other financial information of loan applicants.
Approved or denied loan applications based on established guidelines.
Performed daily maintenance of loan applicant database.
Provided customer service support throughout the entire process from application through closing.
Collected past due loans, keeping credit and collateral exceptions within policy ranges.
Explained various types of loans available to customers and their associated terms and conditions.
Approved loan within specified limits or referred to appropriate approval level.
Met with applicants to obtain information for loan applications and answer questions about process.
Responded promptly to customer inquiries regarding their accounts or other matters related to consumer lending operations.
Processed payments received from borrowers in accordance with established policies and procedures.
Executed loan origination process and ordered credit reports, appraisals and preliminary title reports.
Developed and maintained knowledge of available loan products, processing procedures and underwriting and general departmental guidelines.
Maximized company profitability with appropriate pricing of new loan originations, fee income and selling of products and services.
Maintained current knowledge regarding new laws, regulations, policies, procedures, products, services. related to consumer lending operations.
Performed quality assurance reviews on all closed loans for compliance purposes.
Managed pipeline for originated loans through closing and complete required management reports.
Conducted risk analysis to identify potential losses associated with certain loans.
Researched account issues as needed when discrepancies arise between borrower records and actual payment history.
Negotiated terms and conditions of loan contracts.
Identified opportunities for cross-selling additional products and services.
Improved loan applications and documentation by informing applicant of additional requirements.
Counseled clients on debt management and repayment plans.
Interacted with underwriters, appraisers, title companies. during the processing of a loan application.
Obtained and compiled copies of loan applicants' credit histories, corporate financial statements and other financial information to update credit and loan files.
Attended periodic training sessions related to consumer lending operations.