NMLS # 1533062• Take a consultative personalized approach to each client’s mortgage loan needs whether purchasing a new home or refinancing a current• Analyze applicants’ credit and income documentation to determine eligibility in respect to different loan program requirements and Debt to Income thresholds• For home refinance clients, lay out a detailed path for financial success and use my knowledge of finance to advise clients how to adhere to a budget, save money on loan interest, key factors that contribute to credit score, get out of credit card debt, use their mortgage to save money monthly and long term• For home purchase clients, advise clients the best way to structure a loan based on their available assets for closing, monthly budget and their mortgage goals• Use of my personal skills and sales abilities to ensure clients understand their need for my services, how I can help and why I am the best choice for them amongst my competition• Keep an organized CRM to ensure proper follow ups and build relationships with clients resulting in increased monthly loans closed, overall increasing my contribution to the company’s revenue by at least 20% annually• Effectively managing the assets given to me therefore decreasing my cost to the company, and increasing application to closed loan ratio by building rapport, maintaining client relationships long term and obtaining referrals

• Develop, research and implement pricing strategies for migrating contract accounts from Office Max to Office Depot to drive profitability with product assortment• Creatively incorporate pricing strategies to gain margin while taking cost, market competition and annual business and profitability plans into consideration• Provide recommendations for pricing decisions on complex accounts based on margin movement that considers an analysis of various product price points, customer incentives, cost of credit, margin erosion and controllable cost• Ensure sales team understands what elements contribute to the margin degradation/improvement within each account to better sell products/services• Utilize multiple systems for analysis including Microsoft Excel, Microsoft Access and IBM Cognos

• Responsible for providing excellent customer service to all clients while multitasking to ensure efficient operation of the establishment.• Highlighted featured items to increase guest's average price point by 20%.• Superb interpersonal skills and exceptional ability to relate and converse with a myriad of personalities.• Introduced and implemented new inventory accountability methods that ensured financial and bottom line success. • Frequently recognized as a top producer and featured bartender for all major events and peak volume hours.• Mentored and trained all incoming employees to assist in establishing efficient team camaraderie.• Researched and implemented grass roots marketing strategies.