As a Retirement Consultant at Empower, I work remotely to provide personalized retirement planning services to clients. I consult with individuals and organizations to understand their unique financial goals and needs, recommending tailored retirement plans and products to help them secure their financial future. By implementing these plans into their lifestyles and budgets, I ensured that each client is on track to achieve their retirement goals.

• Develop and implement comprehensive sales strategies to achieve revenue targets and market expansion.• Identify and pursue new business opportunities, including large-scale commercial construction projects.• Build and maintain strong relationships with key clients, contractors, and industry stakeholders.• Collaborate with marketing, project management, and other departments to align sales efforts with overall company objectives.• Conduct market research to stay informed about industry trends, competitor activities, and emerging opportunities.• Prepare and present sales reports, forecasts, and performance metrics to senior management.• Participate in industry events, trade shows, and networking activities to promote the company and generate leads.• Negotiate and close large contracts, ensuring terms and conditions align with company policies and profitability goals.• Ensure compliance with all regulatory requirements and company standards throughout the sales process.

• Advise clients to understand their borrowing needs and financial situations. This involves discussing loan options, explaining terms and conditions, and guiding them through the application process.• Review loan applications and evaluating applicants' creditworthiness. This includes analyzing financial documents such as income statements, tax returns, credit reports, and other relevant information.• Assess the risk associated with each loan application based on the applicant's financial history, credit score, collateral, and other factors. This involves determining the likelihood of repayment and making recommendations to approve or deny loan requests.• Structure loan terms and conditions, including interest rates, repayment schedules, and collateral requirements. • Build and maintaining relationships with clients, real estate agents, builders, and other stakeholders in the lending process. This involves providing excellent customer service, addressing client concerns, and fostering long-term partnerships.• Ensure compliance with federal and state regulations governing lending practices, including the Fair Credit Reporting Act (FCRA), Truth in Lending Act (TILA), and Equal Credit Opportunity Act (ECOA).• Prepare and process loan documentation, including loan agreements, promissory notes, and other legal paperwork.• Promote loan products and services to attract new clients and generate business opportunities. Create marketing campaigns, attend networking events, and community outreach initiatives to expand client base and increase loan volume.

Mortgage Consultant with long history in real estate and lending industries

• Identify and pursue leads through various channels such as cold calling, referrals, networking events, and online platforms.• Conduct thorough needs analysis to understand clients' insurance requirements and provide personalized recommendations tailored to their circumstances.• Present insurance products and services effectively, highlighting features, benefits, and coverage options. Guide clients through the application process and ensure all necessary paperwork is completed accurately and efficiently.• Build and maintain strong relationships with clients to foster trust and loyalty. Provide ongoing support, address inquiries, and handle policy renewals and modifications.• Stay updated on industry trends, market conditions, and competitor offerings. Use insights to refine sales strategies and enhance customer value propositions.• Adhere to regulatory requirements and company policies to ensure ethical and lawful sales practices. Maintain thorough knowledge of insurance laws and regulations.• Meet or exceed sales targets and key performance indicators (KPIs) set by the organization. Develop and implement action plans to drive revenue growth and expand customer base.• Coordinate with internal teams such as underwriters, claims specialists, and customer service representatives to deliver seamless service and resolve client issues promptly.

• Collaborated with executive management to update policies and procedures in alignment with regulatory expectations.• Produced monthly tracking reports for Loan Committee and Board meetings.• Attended Loan Committee meetings to deliver comprehensive reports, presentations, and reviews of monthly lending department activities.• Leveraged real estate expertise in intricate deals, contributing to the development of one of the most robust loan portfolios in Connecticut.• Orchestrated complex projects, liaising between origination, servicing, executive management, and legal counsel to maximize profitability for the bank.• Conducted thorough analysis of appraisals, proposals, and legal documents to determine optimal loan structures and risk mitigation strategies.• Oversaw construction lending activities to ensure adherence to plans while maintaining up-to-date and compliant documentation.• Managed vendor relationships to minimize risk and ensure compliance with policy requirements through thorough documentation.

Guilford Savings Bank (GSB) has been serving the financial needs of individuals, families and businesses on the Connecticut shoreline for over 139 years. Founded in 1875 by local business owners, we have proudly stood as a trusted institution in the communities we serve. Starting with a seventeen thousand dollar investment and one branch on the picturesque Guilford town green, GSB has grown to a seven-office, $500 million bank.

• Organized and executed social and professional networking events for 500+ young professionals in Greater New Haven.• Coordinated educational seminars and community service projects to connect young professionals with the community.• Developed strong leadership and communication skills while working with a diverse group of individuals.

• Analyzed properties to provide expert advice to clients, ensuring wise investments and successful deals.• Leveraged passion for real estate and construction background to help clients find dream homes.• Negotiated deals for best outcomes, leading to satisfied clients and successful transactions.

Real Estate Sales/ Internship