TERESA A. DAVIS

• Collaborated with sales agents, financial planners and accountants to attract clients and enhance beneficial partnerships
• Worked with underwriters to fix application problems and resolve issues
• Interviewed applicants to assess loan requirements before suggesting offers
• Updated borrowers through each step of loan application, approval and closing processes while remaining attentive to customer needs
• Explained different types of loans pertaining to client situations
• Proactively identified solutions for customers experiencing credit issues
• Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
• Analyzed applicants' financial status, credit and property evaluations to determine feasibility of granting loans.
• Developed and maintained relationships with local real estate agents.
• Analyzed new markets and developed referral networks to locate new loan prospects.
• Educated customers regarding actions and strategies for debt repayment.

• Gathered client debt, credit and income information to determine loan eligibility.
• Developed and maintained relationships with local real estate agents.
• Assessed financial means and desires of each client in order to set up appropriate mortgage packages.
• Met with applicants to obtain information for loan applications and answer questions about loan process.
• Educated customers regarding actions and strategies for debt repayment.
• Stayed abreast of lending regulations, industry trends and market rates.
• Collaborated with company teams to expedite loan approval processes.

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• Developed overall store strategies and tactics to achieve sales and service and operational performance goals.
• Answered customer questions and addressed problems and complaints in person and via phone.
• Established market strategies that met or exceeded budget numbers.
• Built strong relationships with top customers and prospects and generated robust sales pipeline.
• Maintained professional standards in sales and customer relationships and generated leads from internal and external sources.
• Set department standards for customer service, employee relations and overall profitability.
• Conducted interviews, made hiring decisions matching appropriate skill level to job and evaluated team member performance.

· Acquired and maintained full knowledge of product technical and functional aspects to better serve customers' needs

· Submitted reports to senior management to aid in business decision-making and planning

· Coached sales associates in product specifications, sales incentives and selling techniques, significantly increasing customer satisfaction ratings

· Built professional relationships with local influencers to successfully boost reputation within Lynchburg community

· Coordinated solutions for new and existing customers to meet unmet needs and resolve various issues

· Promoted company's brand and cultivated new relationships by delivering expert presentations

· Negotiated contracts with service providers and customers to achieve profitability goals

· Exceeded sales goals and accomplished business objectives by inspiring staff and promoting target products

· Managed day-to-day staffing and handled scheduling for all store employees.

• Met with clients to outline desired goals and prepared quotes for overall catering costs
• Orchestrated positive customer experiences by overseeing every area of catering event operations
• Inspected preparation and storage equipment regularly to assess and maintain performance for cost- effective, safe operations
• Handled catering scheduling, ordered food and planned events.

• Actively worked to build branch credibility and develop relationships to increase community and industry visibility and overall profitability
• Cross-sold wide range of services and products to increase new business and expand existing customer relationships
• Recommended strategies for clients regarding investment planning, insurance coverage and cash management
• Examined ledger tickets for expenses and fees with accuracy and efficiency
• Adhered to established security procedures and reported potential fraud or safety violations to management for immediate recourse
• Supported upper management with employee performance review and policy implementation
• Collaborated with compliance department to eliminate procedural errors and margin breaks
• Opened new accounts and made changes to existing accounts.