www.thefinesteliquid.comwww.swftbar.com

• Processed application documents, self-managed queue, worked in close liaison with dealers, applicants, funders• Communicated with applicants and explained contract terms, amortization schedule, fees, early terminations• Assisted auditing officers in identifying creation of fraudulent/unprofitable accounts to identify and reduce loss• Advised with management in capping monthly payment and also granting exceptions to underwriting guidelines by analyzing key drivers, credit tier, payment history, down payment, PTI, LTV, NADA/KBB ratio etc.• Reviewed web leads, initial app declines, trade in quotes/payoffs, deal structuring with partner dealerships• Corresponded with numerous insurance companies on policy issuance and binder revisions• Pulled manual credit reports, checked lease applications for clarity, active BKs/credit counseling, repos• Proposed to IT to create tickets/SDRs to discover solutions for system glitches, improvements to Admin portal for faster processing time, less unwinds, and increase client satisfaction• Validated all stipulations were met, in charge of quality control of packages before funding• Guided new dealers into the financing program and oversaw/managed positive dealer relationships, #1 liaison for top 5 most important clients • Contributed as a reliable team member the 85% growth of applications underwritten in Q1 2016 vs Q1 2015

• Accessed customer financial needs, recommended and sold banking products to fit their profile• Out-performed peers in contributing to branch daily and monthly sales goals• Partnered with mortgage specialists to verify documents, reviewed titles, interpreted HUD-1s, accessed PTDs• Worked with management in de-escalation of unsatisfied customers, turned initial negative visits into positives• Brought over new customers from other institutions, with deposit accounts of 250K and over• Analyzed various factors such as monthly gross income, debt to income ratio, years at current residence, credit, value of collateral, etc. to evaluate approval rate of credit/mortgage applications• Processed 10 applications for DDA products/loans/lines of credit per hour daily• Communicated and corresponded with partner departments (legal, FA, WBR, mortgage) to close deals• Mitigated risk through extensive screening of transactions to reduce losses to the bank• Cross-sold successfully and consistently to existing customers on a daily basis• Delivered excellent customer service, ensuring repeat business by word of mouth• Was responsible for dual-control of the vault, securing deposits in hundreds of thousands of dollars• Worked with a team of about 30 employees, coaching tellers on customer service and cross-selling accounts• Followed up with customers and back office to ensure proper documentation for credit products were processed• Q1 2015 and Q2 2015 Sales- #1 Banker in the Branch, #1 CSSR in the West Valley District, #4 Banker (PB and CSSR) in West Valley District

• Identified and evaluated customer needs, explained features and service unique to this particular establishment• Handled cash and credit transactions, maintained relationships with regular customers• Facilitated a friendly experience for new customers, engaged them throughout to ensure future visits• Consistently met manager’s expectations in terms of sales of weekly promotional items • Received numerous outstanding reviews in regards to quality of service and experience• Mastered extreme time management, contributed to highest monthly sales in restaurant history

• Conducted cold calls and organized strategies to tap into different markets• Assisted upper management in the weekly business presentation meetings• Recruited and managed a team of 15 associates and guided them in their training• Upheld client relationships and performed frequent follow-ups• Led kitchen table presentations for potential clients interested in saving for retirement• Provided indexed universal life insurance illustrations and communicated contracts to clients

• Generated daily sales reports, calculated budgeting, and utilized word-of-mouth and online marketing• Handled restaurant upkeep and coordinated day-to-day operations on all levels• Supervised kitchen and floor staff of 13, oversaw supply and inventory, and improved customer relations• Received phone to-go and dine-in orders, ran mid-size restaurant (21 tables, 15 bar) with only 1 other server on certain days