Joe Miano Email & Phone Number

Charlotte, North Carolina

● Senior level loan officer with extensive residential mortgage expertise● Thorough assessment of customer needs and expectations to provide optimal solutions to achievepersonal financial goals● Hand selected to join a distinctive and specialized internal group to handle employee transactions● Achieved and exceeded sales goals resulting in multiple awards including; Top Purchasing LoanOfficer (2021)

Charlotte, North Carolina

● Examined company portfolio of loans to identify business opportunities● Provided in-depth financial / risk-based analysis and credit review in compliance with all state andfederal regulations● Conceptualize and articulate well-targeted and creative solutions to prospective & current clients● Ensured highest level of customer satisfaction by performing daily maintenance of loan databaseutilizing open and honest communication

Charlotte Area, North Carolina

● Managed third party processes to ensure life insurance policies were fully executed● Bridged communication gaps with underwriting to ensure accurate processing & timely issuanceof policies● Liaison between internal and external agents/stakeholders to manage and exceed expectations● Prioritization & quality control inspections of large pipeline of applications

Charlotte, North Carolina

● Worked various lead generation systems to obtain business of residential mortgages andstructured loans specific to customer needs● Conducted outbound cold calls to prospective clients to build larger client relationship● Analyze market changes and remain current on new trends, guidelines and programs to adapt toeconomic climate● Resolved client issues in an empathetic, timely manner to ensure exceptional customerexperience while establishing long-term relationships

Charlotte, North Carolina Area

● Directed sales floor activities including opening and closing procedures, financials● Assisted in creation and development of promotional strategies to drive store revenue● Managed merchandising, inventory control and product transfers from warehousing andcoordinated customer delivery arrangements● Scheduled, trained and mentored new hires to ensure performance goals and daily tasks weremaximized