Experience

Td Banknorth

• United States
• Investment Management
• 1 - 100 Employee

• LOAN OPERATIONS REPRESENTATIVE

  • May 2014 - Present

  LOAN OPERATIONS REPRESENTATIVE April 2016 to present • Perform highly complex, auditing and research tasks exercising judgment and discretion ensuring compliance guidelines • Identify, audit, investigate and rectify discrepancies; report findings to appropriate resource to ensure data integrity • Respond to inquiries and issues from Customers, internal sources; research information to provide responses and resolution SENIOR CUSTOMER SERVICE REPRESENTATIVE /BANKER August 2015 – April 2016 • Educate clients, analyze their accounts and demonstrate through financial management, how to achieve their goals • Assist and train less experienced personnel in software applications, lending products, bank policies/compliance • Oversee in-store opening/closing procedures, in teller machine sell-downs and preparation of cash shipments CUSTOMER SERVICE REPRESENTATIVE/BANKER May 2014 – August 2015 • Educate customers about bank products and sell appropriate products and services, deter/report fraudulent activity • Take mortgage, consumer and business loan applications, negotiate terms and facilitate application documentation for timely processing. Registered NMLS / Certified NJ Notary Show less



Executive Screen Printing & Embroidery

• Cherry Hill, NJ

• President / Manager

  • Jan 1997 - Present

  • Direct Sales and Marketing to various business entities including government agencies, non-profits and schools • Evaluated needs, research and recommend products for effective branding needs including artists and contractors • Manage and coordinate all production timelines to ensure strict budgetary guidelines and deadlines met • Direct Sales and Marketing to various business entities including government agencies, non-profits and schools • Evaluated needs, research and recommend products for effective branding needs including artists and contractors • Manage and coordinate all production timelines to ensure strict budgetary guidelines and deadlines met



PHH Mortgage

• United States
• Financial Services
• 700 & Above Employee

• Loan Processor

  • Jan 2012 - Aug 2013

  • Verbal and written communications – with borrowers, Bankers, Appraisers, Title / Insurance Companies and Underwriters to obtain required documentation • Analyze, organize and manage financial information for underwriting and approval readiness. • Broad based multi-state experience on Fannie, HELOC and HARP loans for purchases and refinances ranging from $50,000.00 to $1,000,000.00 plus properties. • Verbal and written communications – with borrowers, Bankers, Appraisers, Title / Insurance Companies and Underwriters to obtain required documentation • Analyze, organize and manage financial information for underwriting and approval readiness. • Broad based multi-state experience on Fannie, HELOC and HARP loans for purchases and refinances ranging from $50,000.00 to $1,000,000.00 plus properties.



Executive Clothiers

• United States
• Retail
• 1 - 100 Employee

• Vice President

  • May 1995 - Jan 2012

  • Developed every aspect of a start-up men’s and boy’s clothing store including contract negotiation, financing, site selection, interior design and construction oversite • Retail sales, financial analysis, budgeting and procurement of apparel, business insurances and accounting • Established marketing strategies – budget, targeting, media sources, evaluating return on cost analysis • Developed every aspect of a start-up men’s and boy’s clothing store including contract negotiation, financing, site selection, interior design and construction oversite • Retail sales, financial analysis, budgeting and procurement of apparel, business insurances and accounting • Established marketing strategies – budget, targeting, media sources, evaluating return on cost analysis



CONTEL Office Communications

• Philadelphia, Boston and Atlanta

• Operations Manager

  • Jun 1988 - Jan 1990

  • Ensured satisfactory delivery of on-site Tenant Telecom services for 10,000 plus contracted tenants • Managed staff of 20 Customer Service Representatives and Technician in Philadelphia, Boston and IBM Atlanta • Surpassed SLA to IBM, Attorney, Accountants and other professional business entities • Ensured satisfactory delivery of on-site Tenant Telecom services for 10,000 plus contracted tenants • Managed staff of 20 Customer Service Representatives and Technician in Philadelphia, Boston and IBM Atlanta • Surpassed SLA to IBM, Attorney, Accountants and other professional business entities



IBM / ROLM Corporation

• Greater Philadelphia Area

• Project Manager

  • Mar 1983 - Jun 1988

  • Create policies, procedures, and project timelines to coordinate resource groups – Sales, Engineers and Service • Reconfigured software upgrades, installed systems for expansion, relocation's, ensuring correct functionality • Complete oversight of project’s management from inception to satisfactory design, installation and transition to Customer Service within budget requirements. • Create policies, procedures, and project timelines to coordinate resource groups – Sales, Engineers and Service • Reconfigured software upgrades, installed systems for expansion, relocation's, ensuring correct functionality • Complete oversight of project’s management from inception to satisfactory design, installation and transition to Customer Service within budget requirements.