Entrepreneurial Owner with experience and solid history of business success. Built operations from ground up with strategic and scalable approaches. Well-oriented to quickly identify and capitalize on emerging opportunities.
Highly motivated professional with 15 years of entrepreneurial experience. Skillfully creates and maintains professional and loyal relationships with customers while managing administrative duties and sales. Comfortable working independently as a leader and as collaborative team member. Applies business acumen and experience and exercises decisive judgment to meet and exceed organizational goals and standards.
Effective at analyzing records and making correct decisions. Strong understanding of how to conduct risk assessments and apply acceptance criteria.
Hard-working and reliable with strong ability to be organized, proactive and efficient.
Skills
Supplier Monitoring
Records Organization and Management
Problem Anticipation and Resolution
Process Improvements
Finance and Accounting Oversight
Administrative Management
Cost Reduction
Sales Tracking
Budget Control
Focus and Follow-Through
Quality Assurance
Sales Promotion
Business Leadership
Operations Oversight
Decision Making
Customer Service Management
Originality and Creativity
Marketing Tactics
Loan Processing Coordination
File Organization
Loan File Review
Income Evaluation
Application Review
Credit History Review
Corporate Financial Statements
Economics Understanding
Property Evaluation
Problem Solving
Tax Liability Calculation
Financial History Analysis
Active Listening and Learning
Report Preparation
Attention to Detail
Automated Underwriting System (AUS)
Multitasking and Prioritization
Fraud Detection and Prevention
Customer Relations
Creditworthiness Determination
Experience
2007 to Current
Owner/OperatorLineage Logistics – Baytown, TX,
Promoted business on social media platforms to maximize brand identity and generate revenue.
Negotiated with vendors to gain optimal pricing on products resulting in substantial increase in profit margin.
Set pricing structures according to market analytics and emerging trends.
Oversaw storewide merchandising benchmarks to maintain operational excellence.
Led startup and opening of business and provided business development, creation of operational procedures and workflow planning.
Executed updated marketing plans to increase branding exposure, customer traffic and sales.
Generated new business by reaching out to prospective clients by e-mail, telemarketing and presenting at trade shows nationwide.
Analyzed consumer behaviors and market trends, adjusting email and advertising campaigns based on current knowledge.
Calculated inventory levels, priced store products and generated credit memos for returned merchandise.
Monitored inventory levels and placed new orders for merchandise to keep supply well-stocked.
Analyzed variable data for operations to determine areas for improvement, increased efficiency and potential cost savings.
Generated daily operational and sales reports for corrective action or continuous improvement.
Kept records for production, inventory, income and expenses.
Devised business and marketing plans and prepared monthly financial reports.
Established favorable relationships with vendors and contractors, facilitating contract negotiation and development of marketing and sales strategies.
Conferred with customers to understand needs and finalize purchase orders.
Performed inventory counts and ordered materials.
Oversaw shipping and receiving of inventory and supplies.
2002 to 2004
Loan Processor\UnderwriterThe Mortgage Warehouse – City, STATE,
Supported loan officiant and underwriter teams by ensuring timely, judicious and accurate loan processing.
Managed conditions sent from underwriting departments.
Created and completed loan submission packages.
Reviewed and verified borrowers' income, credit reports, property appraisals and supplemental information to prepare documents for underwriting.
Checked approvals against established bank and government lending standards.
Determined loan eligibility and approved or rejected applications.
Assessed financial means and desires of each client in order to set up appropriate mortgage packages.
Analyzed loan risk and reviewed loan conditions and requirements.
Reviewed and evaluated loan applications and supporting documents.
Delineated reasons for application approvals and rejections.
2004 to 2008
Underwriter\Senior UnderwriterAccredited Home Lenders – City, STATE,
Determined loan eligibility and approved or rejected applications.
Collaborated with loan originators and processors to correctly review and assess applications and risks.
Maintained compliance with company and regulatory policies.
Resolved document mistakes and discrepancies and identified signs of fraudulent activity.
Analyzed loan risk and reviewed loan conditions and requirements.
Reviewed and evaluated loan applications and supporting documents.
Delineated reasons for application approvals and rejections.
Requested additional information for applications and documents when necessary.
Reviewed credit histories from applicants and determined feasibility of granting requested loans.
Assessed feasibility of loan approval by reviewing financial histories, available credit and current employment.
Analyzed applicant financial and credit status, evaluating assets and risk to determine loan feasibility.
Reviewed loan agreements to verify completeness and accuracy according to applicable policies.
Determined loan completeness and accuracy by thoroughly analyzing mortgage applications, appraisals and property valuations.
Analyzed capacity, credit, cash and collateral to determine loan approval, counteroffer or denial.
Education and Training
Expected in 06/1997 to to
Real Estate License: Real Estate The Real Estate School - Cherry Hill, NJ, GPA:
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