John Caro, Cic, Csrm Email & Phone Number

Lafayette, La

Lafayette, Louisiana Area

Working primarily with medium to large sized companies and government entities to better their risk management and loss control practices by developing proactive strategies and solutions to help mitigate insurance losses. Part of this value-added process includes placing well structured Property and Casualty Insurance including Workers Compensation programs on a guaranteed cost or a self-funded basis which allows my clients to better manage their claims and mitigate adverse effects to their… Show more Working primarily with medium to large sized companies and government entities to better their risk management and loss control practices by developing proactive strategies and solutions to help mitigate insurance losses. Part of this value-added process includes placing well structured Property and Casualty Insurance including Workers Compensation programs on a guaranteed cost or a self-funded basis which allows my clients to better manage their claims and mitigate adverse effects to their overall Total Cost of Risk . Show less

Greater New Orleans Area; Dallas, Tx; Lafayette, La

Sale of Life and Health insurance products to individuals and businesses.

Lafayette, Louisiana Area

• Brought in to manage and “turn around” an underperforming DNA testing company • Slashed overhead by 70% as a result of streamlining staff, re-negotiating contracts, and eliminating redundancies and wasteful spending• Revamped franchise business model and implemented a new, proven model focused around e-commerce, social media, and a neighborhood presence which had an immediate positive impact on the Corporate “bottom line” by increasing brand recognition and visibility… Show more • Brought in to manage and “turn around” an underperforming DNA testing company • Slashed overhead by 70% as a result of streamlining staff, re-negotiating contracts, and eliminating redundancies and wasteful spending• Revamped franchise business model and implemented a new, proven model focused around e-commerce, social media, and a neighborhood presence which had an immediate positive impact on the Corporate “bottom line” by increasing brand recognition and visibility • Restructured and managed all accounting functions of the corporation including payroll, accounts payable and receivable, budgeting, forecasting, strategic planning, receivables financing, financial statement preparation and analysis as well as developing metrics to properly analyze the business. Rewrote standard operating procedures.• Wrote and implemented standard operating procedures for all areas of the company and wrote copy for all corporate websites. • Developed a national sales strategy and team which led to an 897% improvement in both case volume and overall sales volume in one year by implementing a thorough training and incentive program heavily weighted towards high customer service standards.• Worked with website developers to enhance the main corporate web site and develop a social media strategy that increased brand recognition and visibility• Personally built ancillary websites and managed corporate network • Implemented a Customer Relationship Management solution which had an immediate impact on customer service quality and led to an increase in referral business Show less

Lafayette, Louisiana Area

• Started new banking division, at the direction of the CEO, specializing in lending and consulting for new business startups and first level expansion• Lending authority of $750K for SBA guaranteed loans, $150K for secured loans and $10K for unsecured loans• Assisted Branch Managers with driving business loans by training them to develop strong, lasting and profitable business relationships• Made prospecting calls to potential clients with Branch Managers throughout… Show more • Started new banking division, at the direction of the CEO, specializing in lending and consulting for new business startups and first level expansion• Lending authority of $750K for SBA guaranteed loans, $150K for secured loans and $10K for unsecured loans• Assisted Branch Managers with driving business loans by training them to develop strong, lasting and profitable business relationships• Made prospecting calls to potential clients with Branch Managers throughout Acadiana and Baton Rouge• Within two years developed a portfolio of $4 million in loans with an average loan size of $25,000• Developed new commercial credit card program which led to a 350% increase in credit card sales over the previous year and generated new interchange revenue• Led all training for Branch Managers and Commercial Lenders on SBA lending• Wrote all policies and procedures for Small Business Banking Division• As a member of the Retail Executive Team, assisted the Chief Retail Officer and Area Managers with yearly strategic planning Show less

• Managed day to day operations of the National Headquarters (Main Office) Branch.• With the help of my team, increased the branch’s net profit to the bank by 200% by analyzing sales patterns prior to my arrival and discovering lending opportunities that had previously been missed.• Created a new “vendor loan” program with local area retail stores which resulted in a new revenue stream for the bank.• Managed the Bank’s Central Vault and implemented new procedures to… Show more • Managed day to day operations of the National Headquarters (Main Office) Branch.• With the help of my team, increased the branch’s net profit to the bank by 200% by analyzing sales patterns prior to my arrival and discovering lending opportunities that had previously been missed.• Created a new “vendor loan” program with local area retail stores which resulted in a new revenue stream for the bank.• Managed the Bank’s Central Vault and implemented new procedures to reduce the amount of money on hand while continuing to sufficiently support the branch network which led to increased profits for the bank.• Regularly asked to participate in high level meetings with the executive team to get my input and assignments on projects that affected the Main Office.• Developed Retail Division sales campaigns and spiffs to drive business and increase profits. • At the request of the Chief Retail Officer, also served as interim Call Center Manager for 9 months and implemented new policies and procedures, productivity metrics and management systems to increase efficiency and profitability.• While acting as interim Call Center Manager, wrote scripting and implemented a new bank-wide IVR phone system and call center tracking system.• With the IT Division, interviewed vendors regarding a new bank-wide phone system as well as a CRM system and assisted in their implementation. • Selected to inaugural class of Leadership MidSouth, a program designed for future leaders of the bank. Show less

Lafayette, Louisiana Area

• With my team, increased branch asset size from $39 million to $54 million dollars by focusing on loan production.• Developed and cross trained team to look for clues for needs that customers had. • Led branch turnaround and removal from corporate branch closure list. • Implemented branch wide mentoring program which enhanced cross-sell ratios which led to increased sales volumes.

Dallas/Fort Worth Area

• Maintained strong sales and high customer service standards.• Turned around men’s clothing line that was slated for possible removal from store by working closely with buyers and vendor to determine what styles and patterns to buy that would sell in my store which resulted in increased gross margins and a new life for the clothing line.

Dallas/Fort Worth Area

Managed and led a team of 7 partners in the wholesale marketing of Life, Health and Employee Benefit insurance products to a nationwide agent base of approximately 10,000 agents.

Dallas/Fort Worth Area

Worked with an agent base of approximately 500, assisting them in marketing employee benefits products and programs to their clients.

Doctor Of Arts, Insurance & Risk Management

Current Doctoral Candidate

Mba, Business Administration, 3.66

3.66 GPA while working full time and attending school full time

Diploma, Banking

Bachelor'S Degree, Finance

Activities and Societies: Pride of Acadiana Marching Band, Symphonic Band

Business Administration

High School, High School/Secondary Diplomas And Certificates

Activities and Societies: Marching Band, Symphonic Band