* Leading digital branch operations to drive revenue growth and elevate member satisfaction through innovative strategies and cutting-edge technologies.* Spearheading strategic improvements and launching new digital products to enhance service performance and the overall member experience.* Managing and mentoring a high-performing team, fostering productivity, compliance, and continuous professional development.* Streamlining digital processes, ensuring efficient resolution of member inquiries, and providing exceptional service.* Championing staff training and cross-training initiatives, ensuring comprehensive knowledge of products, services, and regulatory requirements.* Overseeing daily operations of the digital branch, including online account management, loan processing, and mobile banking services, to maintain seamless functionality.* Engaging members through targeted promotional campaigns and initiatives, strengthening relationships and boosting retention.

Salvage Dealer License, specialize in assisting parents and young adults with purchases of first year college students with first vehicle to get their foot off the grown with the experience of self ownership and self responsibility of their first vehicle. Specialize in finding best cost efficient vehicle matched up to the owners likes and wants in their initial first purchase to keep them excited with their decision.

* Conduct Application Interviews, and review credit application such as DTI, LTV, and ratios to ensure they are within guidelines, all while answering phone calls and responding to email to assess member’s needs. * Closing loans accurately with minimal errors while looking for cross sell opportunities while discussing member’s loans.* Ranking top 5 in product penetration such as GAP, & Payment Protection sales, achieved my monthly goal during my training months, while staying in top 4 with loan volume goals.* Follow up and counseling members on financial services all while, accomplish monthly quota by consistently delivering 100% to 150% of goal * Prospect and build relationships with dealerships within market to increase loan volume, while assisting with underwriting decisioning on applications received. * Trained all new hires for the past 6 months who have come to be $1.25 Million dollar performers within their first month with a 220% success index penetration on products sold with loans.* Consistently trained, mentored, and coach team members to achieve $18 million in loan volume per month closing out 2022 with over yearly projected goal to end at $218 million.* Responsible for up to 21 Team Members within the Centralize Sales Loan Department.Since taking over Membership Advisor Dept. I’ve assisted with successful launch of;Newtek (is a business services platform in which offers day to day service such as, Merchant Services, Payroll, Business and Consumer Insurance, etc) Atomic ( a new platform which helps with our members enroll with direct deposit)Zoom ( new phone and internal messaging platform)Origins 3 ( an upgrade to our current platform for servicing our day to day members) I teamed up with our core team to merge each individual system to better submit referrals using one single platform, numerous testing with my membership advisor team to confirm its process and authenticate it was working properly.

* Conduct Application Interviews, and review credit application such as DTI, LTV, and ratios to ensure they are within guidelines, all while answering phone calls and responding to email to assess member’s needs. * Closing loans accurately with minimal errors while looking for cross sell opportunities while discussing member’s loans.* Ranking top 5 in product penetration such as GAP, & Payment Protection sales, achieved my monthly goal during my training months, while staying in top 4 with loan volume goals.* Follow up and counseling members on financial services all while, accomplish monthly quota by consistently delivering 100% to 150% of goal * Prospect and build relationships with dealerships within market to increase loan volume, while assisting with underwriting decisioning on applications received. * Trained all new hires for the past 6 months who have come to be $1.25 Million dollar performers within their first month with a 220% success index penetration on products sold with loans.* Consistently trained, mentored, and coach team members to achieve $18 million in loan volume per month closing out 2022 with over yearly projected goal to end at $218 million.* Responsible for up to 21 Team Members within the Centralize Sales Loan Department.

Credit Repair ConsultationI assist family, friends, and clients repair their credit while they are in need of growing and searching for whether it's a new vehicle or new home purchase. I specialize in helping them not only understand the process but have them feel comfortable and confidence in doing it on their own and giving the helping hand to move forward. I have found that walking someone through the process and educating them while completing the process is more rewarding then doing the work for a client who is blind to not understanding the steps and work it takes to make sure the same mistake does not happen again doing the line.

* Responsible for the day to day operations of up to 4 locations with upward 60 plus Team Members* Maintaining exemplary customer service within the district and community* Developing and executing plans to improve store and area performance as needed* Recruiting, developing, and motivating Store Managers who exceed internal and external customer expectations* Ensuring the company’s cash security policies and procedures are followed* Establishing a strong customer service/selling culture* Analyzing P&L results and trends to increase and maximize sales* Developing strategies to increase market share and store revenues* Controlling labor hours, cash, store audits, and shrinkage* Performing complete and thorough district reviews of each store on a consistent and frequent basis to determine that the stores are operating in accordance with all company policies and procedures, including but not limited to cash security and compliance policies and procedures

In the short time frame I have been with Smart Financial within my training months (first 3 months) reach 100% to my YTD goal, received trophy for most seller of triple dipper products, (extended warranty, gap, & payment protection). Top 3 in Extended Warranty and Gap sales. These accomplishments happen within my training period in which I did not have goals assigned but adapted quickly and put my best foot forward. At 4 1/2 months in I complete my yearly goal and have exceed it while still holding the trophy for most sold triple dippers on a monthly basis. Conduct Application Interviews all while answering phone calls and responding to email to asses member’s needs. Closing loans accurately with minimal errors while looking for cross sell opportunities while discussing members loans.Follow up and counseling members on financial services all while, accomplish monthly quota by consistently delivering 100% to 130% of goal

 Assisted in new location Branch grand openings while achieving branches sales and revenue goals by proactively identifying, marketing, and recommending banking products and services beneficial to the customers. Mentoring new Branch Managers and Team Members in “Keeper of the Culture”, beyond a brand ambassador, able to tell the story and convey the essence of Woodforest National Bank, while recruiting / interviewing new prospects. Develops and leads innovative strategies to grow, retain and deepen region/market consumer and business relationships, proactively growing business deposits and loans through inside and outside business calling and cross-selling. Trained and Coached to enhanced customer experience and the reputations of the Bank by warmly and sincerely greeting, fearlessly, engaging, and developing extraordinary relationships with the retail partners and customers.

 Evaluating fraud risk screens and looking for stop signs to prevent financial institution risk or loss while establishing new products, while mentoring and coaching Branch Managers within district in absence of District Manager.  Created Action/Development plans with Team Members while maintaining high integrity and consistency with policy & procedures, and risk, while planning, executing & evaluating branch performance. Assisted in locations grown in tier level while teaching tellers the value and process of CTR’s, UAR, SAR and the importance of BSA, also monitoring customer accounts to ensure no structuring or kitting is taking place.  Helped prevent external /internal fraud by Identifying deficiency, issues, and inconsistencies through reviewing account openings and inspecting profile during midsession reviews. Review and analyze report trends to develop solutions and identify opportunities and strengths, while developing and implement various processes to maximize efficiency and minimize company loss.

* Established on-sites by networking within the community and creating enough traffic to convert the branch from a Level I to a Level II.* Assessed Customer’s financial needs and sold retail banking products and services aligned with those needs.* Provided excellent customer service, built long term relationships with customers, retained and increased branch clientele.* Deepened the existence relationships by cross-selling with additional products and services.* Developed and maintained relationships with Wells Fargo partners to maximize sales opportunities.* Went the extra mile, finding ways to be helpful while still working quickly and efficiently.* Resolved difficult Customer situations effectively while delivering friendly customer service.

* Responsible for providing day-to-day operational and sales leadership to successfully conduct a Central New Jersey Region with responsibilities that include selecting and hiring strong team members, recruiting and training sales team members, prospecting site locations or kiosk, and creating policies and operational structure.* Demonstrate negotiation and leadership abilities to effectively prospect, negotiate terms, develop and oversee construction for each new location throughout the region territory.* Rely upon sales experience, market research insights, and strategic planning skills to create proactive operational plans designed to ensure successful support of consumer traffic in retail stores.* Managing budget, perform product inventory control, and ensure paperwork compliance. * Serve as a enabler and motivator to a high performing sales team by providing mentorship, setting goals, implementing challenging yet achievable quotas, coaching for performance, measuring activity and tracking sales. Develop new personal and business accounts with a 0% return rate while, Contributing to team effort and success and always accessible to existing clients for their needs. Responsible for Market growth from1 to 3 Kiosk within 3 months and for increase in Revenue of 16% with accessories due to re arranging a new commission-based structure with the market.  Field search and service existing accounts and provide phone and internet service also maintain professional and technological knowledge of cutting-edge technology.

Proactively sources and acquired new client relationships while deepening existing consumer and business relationships. Supported and incorporated key bank initiatives into the sales process. Held overall accountability for all operations, including financial objectives, personnel management, customer service and sales quality. * Increased the branch total deposit growth by more than 10 million dollars in under one year.* Created and retained the clientele of more than 400 households.* Consistently exceeded the goals by more than 200% on a monthly basis.* Referred investment, mortgage and insurance business to appropriate sales specialist for sales fulfillment.* Utilized high sales standards and excellent customer service skills.* Assisted the branch manager with daily operational and sales support by performing team meetings and organized campaigns.

* Facilitated assigned quotas, strategy and efficient processes effectively.* Contributed to employee development effectively , identifying and addressing skill gaps.* Increased sales and customer satisfaction through effective oversight and management.* Identified opportunities for process improvement and implemented enhancements.

* Supervised tellers in developing and maintaining knowledge of company product procedures and cross-selling. * Provided training, guidance in resolving complex customer problems and inquiries.* Prepared schedules for tellers, budgeted teller hours, ensuring adherence to policies and procedures. * Relationship building with clients while cross-selling and discovering clients needs.* Established new Consumer and business relationships and contributed to branches revenue growth by effectively meeting and exceeding monthly quotas by 200%.

* Recruiting, hiring, and training new team members to ensure company policy and procedures are being followed. * Ordering cash a few times a week to ensure location has the necessary cash to operate on a daily basis. * Exceeded compared y expectations with the percentage of positive results in investigations and numbers of cases completed.* Submitted accurate and detailed reports of investigations to company and partners while working closely with Law Enforcement in a timely manner.* Compiled information in internal fraud cases and worked closely with HR to make recommendations on decisions of continued employment within the company. * Responsible for submitting and discussing with police officials regarding fraud cases, while also attending yearly meetings and or knowledge checks with the company to enforce new changes and trends to prevent risk and losses to company.

* Reduced losses to the company by identifying and investigations fraud trends.* Human Resources, Payroll, Scheduling, recruiting and hiring.* Collections calls and field visits to collect on return checks.* Inventory, ordering and tracking stores supplies.* Investigated internal/external fraud ring cases and compiled detailed reports on fraud cases before involving Law Enforcement.* Interview witnesses and collect evidence while reviewing cameras and collecting accurate information to use for existing /pending cases.* Review and analyzed monthly financial statements to meet monthly financial goals.* Cash handling/ bank deposits , balancing for accuracy at the end of shift while managing the vault.* Overseeing a staff of up to 25 employees through progressive discipline. * Developing plans to improve customer growth, performance and strategies to increase store revenue.* Train all new hires to ensure that all policy and procedures are being followed.* Audit all logs for my store and others within my district to ensure AML procedures are being obtained. * Worked closely with fraud department to minimize company risk and losses.

Responsible for the overall performance of up to 5 locations. Took part of innovative changes from regular calculators to a check cashing system (Telemetrix) in which help minimize risk and loss all while improving revenue by up to 20% company wide. * Maintaining exemplary customer service within the district.* Developing and executing plans to improve store and area performance as needed.* Recruiting, developing, and motivating Store Managers who exceed internal and external customer service. * Ensuring special business relationships with our customers so they will choose to return to us oppose to competitors.* Identified numerous fraud schemes, income tax fraud, EBT fraud and wire transfer fraud. Saves the company huge amount of losses by comparing past P&L to current P&L while reviewing large changes in transaction trends.* Incorporated a fraud deterrent policy as part of the new hire procedure that brought about a substantial decrease in fraudulent activities. * Ensuring the companies cash security policies and procedures are followed.* Establishing a strong customer service/selling culture.* Analyzing P&L results and trends to increase and maximize sales.* Develop strategies to increase store revenue.* Controlling labor hours, cash ordering, expenses, store audits. * Performing complete and thorough District reviews of each location on a consistent and frequent basis to determine the stores are operating in accordance with all company policies and procedures, including but not limited to cash security and compliance policies and procedures. * Facilitated a monthly training on CTR, SAR, MML, policy and procedures, hardware/software and companies expectations.

Ensure day-to-day operations was sound, ordered cash to ensure location have enough money in hand to service customers on a daily basis. Coaching, mentoring, recruiting m, and hiring all while also training new hires to company policy and procedures. Prepared reports of fraud cases and submitted reports to security department and other company officials. Assembled evidence, and recommended action steps to unit head for discussion with company attorneys.  Assisted in research and investigation into company fraudulent activities.