Summary
Overview
Work History
Education
Skills
Languages
Timeline
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Michel Morgado

Miami,FL

Summary

Dedicated Accounting and Finance professional with history of meeting company goals utilizing consistent and organized practices. Skilled in working under pressure and adapting to new situations and challenges to best enhance the organizational brand. Strong communication skills with customers as well as team members.

Overview

15
15
years of professional experience

Work History

Junior Underwriter

HGreg Doral
05.2016 - Current
  • Supported review and acceptance or denial of new or renewal business.
  • Determined and documented loan conditions and communicated requirements and decisions.
  • Analyzed credit, income, compliance, title documents and appraisals during underwriting process.
  • Controlled loss by assessing risk, conducting system analysis and recommending policy solutions.
  • Followed through with borrowers, loan processors, loan originators and managed all phases of underwriting process.

Sales and Leasing Consultant

Lone Star Toyota
05.2016 - 05.2016
  • Managed lead tracking by making contact and following up on leads generated through marketing efforts.
  • Built and maintained strong relationships with potential residents and families to encourage and support move into community.
  • Identified, established and maintained positive relationships with industry influencers and strategic partners to drive ongoing referrals and continued opportunities to promote community.
  • Analyzed current market conditions and competitor information to develop and implement marketing plans and projects for existing assets.

Sales and Leasing Consultant

Randall Reed VW
01.2016 - 05.2016
  • Managed lead tracking by making contact and following up on leads generated through marketing efforts.
  • Built and maintained strong relationships with potential residents and families to encourage and support move into community.
  • Identified, established and maintained positive relationships with industry influencers and strategic partners to drive ongoing referrals and continued opportunities to promote community.
  • Analyzed current market conditions and competitor information to develop and implement marketing plans and projects for existing assets.

English Teacher

Cuban Government
12.2014 - 12.2015
  • Prepared and implemented lesson plans covering required course topics.
  • Led interesting and diverse group activities to engage students in course material.
  • Prepared comprehensive English curriculum for multiple classes.
  • Planned dynamic lessons to increase student comprehension of books and literary concepts.
  • Administered assessments and standardized tests to evaluate student progress.
  • Worked with other teachers to support struggling students and provide thorough help to rectify comprehension issues.

Automobile Rental and Sales Executive

Tourism Cuba
06.2007 - 12.2014
  • Achieved sales goals and service targets by cultivating and securing new customer relationships.
  • Increased revenue by implementing effective sales strategies in sales cycle process from prospecting leads through close.
  • Researched sales opportunities and possible leads to exceed sales goals and increase profits.
  • Analyzed past sales data and team performance to develop realistic sales goals.

Education

Bachelor of Science - Business Administration, Accounting And Finance

Ciego De Avila University
Ciego De Avila, Cuba
05.1992

Skills

  • Conducting Risk Assessments
  • Customer Accounts Management
  • Customer Interaction
  • Automated Underwriting Systems
  • Federal Statutes
  • Excellent interpersonal skills with team orientation
  • Excellent written and oral communication skills in English and Spanish
  • Effective time management skills
  • Ability to maintain the confidentiality of credit and Customer information

Languages

English
Full Professional
Spanish
Native or Bilingual

Timeline

Junior Underwriter

HGreg Doral
05.2016 - Current

Sales and Leasing Consultant

Lone Star Toyota
05.2016 - 05.2016

Sales and Leasing Consultant

Randall Reed VW
01.2016 - 05.2016

English Teacher

Cuban Government
12.2014 - 12.2015

Automobile Rental and Sales Executive

Tourism Cuba
06.2007 - 12.2014

Bachelor of Science - Business Administration, Accounting And Finance

Ciego De Avila University

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Michel Morgado