Carmen Isbell Email & Phone Number

Oak Lawn, Illinois, United States

• Analyze all loan documents which include income, assets, credit collateral, purchase contracts, appraisals, title, and other required documentation.• Perform underwriting decision based on income (W2, Business and Individual Tax Return), credit, assets, title, and risk.• Analyze appraisals and review comparable properties to determine if they were equal in size, condition, and location.• Review interest rates and interest rate locks.• Meet, waive, and add necessary conditions.• Discuss loan conditions and decisions with processor and/or loan team.• Review mortgage insurance and homeowner insurance.• Render decision based on Desktop underwriter, overall criteria of loan, and its adherence to the Underwriting matrix and lending guidelines

Chicago, Illinois, United States

● Maintained relationships with suppliers and clients ● Executed staff shifts and rotations ● Organized, lead, and motivated the staff● Budgeted and established labor targets● Prepared banks for the shifts● Processed monies and deposits for bank transactions● Collected the revenue and balancing at the end of shift● Monitored the quality of the product and service provided ● Maintained stock levels and ordering of new supplies required ● Resolved staff and client issues ●Recruited and trained permanent staff

Crestwood, Illinois, United States

• Responsible for safe deposits, cash balances, and cash setup for registers for shift changes • Mitigated theft & fraud• Conducted mid-inventory and end of period inventory • Trained and ensured the execution of personnel policies, labor laws, and security & safety procedures• Conducted weekly feedback sessions and monthly meetings with Associates, Certified trainers, and Shift leaders• Trained new hires on day-to-day operations of the sales floor including register, safe keeping of funds, safety, and quality customer service• Documented/Tracked incoming and outgoing supplies for store

Oak Lawn, Illinois, United States

• Oversaw account planning, customer development and retention for selling capabilities • Maintained all food pars and place shop orders from SMS, data source and other files • Set up, tracked, and delivered catering orders• Engaged in marketing activities including neighborhood blitzing and corporate initiatives• Supervised sales associates on inventory operations, procedures, and customer satisfaction• Executed, enforced, and managed all food safety requirements and practices