Michael Ferreira Email & Phone Number

Montvale, New Jersey, United States

Montvale, New Jersey, United States

Englewood Cliffs, New Jersey

• Analyzed credit applications, assessed risk, and recommended appropriate credit limits for corporate clients.
• Conducted thorough financial statement analysis, cash flow analysis, and industry research to evaluate creditworthiness.
• Prepared comprehensive credit reports, highlighting key findings, risk assessment, and recommendations.
• Monitored and managed credit portfolios, identifying potential delinquencies and implementing proactive measures.
• Collaborated with relationship managers and clients to gather necessary documentation and resolve credit-related issues.

Morristown, New Jersey

• Cultivated and maintained relationships with high-net-worth clients, providing personalized banking services and addressing their financial needs.
• Proactively identified opportunities to expand existing client relationships, cross-selling a range of banking products and services.
• Developed and executed business development strategies to attract new clients, resulting in a significant increase in the client base and revenue.
• Collaborated with cross-functional teams, including product specialists and relationship managers, to deliver comprehensive financial solutions to clients.
• Conducted financial analysis, credit assessments, and risk evaluations to support lending decisions and mitigate potential risks.
• Provided exceptional customer service by promptly addressing client inquiries, resolving issues, and ensuring a seamless banking experience.

Greater New York City Area

• Led and managed a team of three individuals, resulting in a 35% increase in product sales and overall performance
• Successfully utilized social media platforms to promote product sales and discounts, effectively building a stronger online presence
• Established meaningful connections with customers through social media channels, ensuring their complete satisfaction with their purchases
• Conducted extensive research and devised a targeted plan to optimize product exposure and potential sales on Amazon through relevant search terms
• Developed and executed a comprehensive strategy for launching new products, focusing on garnering positive reviews and outshining competitors in the market
• Achieved exceptional sales growth on Black Friday, increasing year-over-year sales by 300%, and on Cyber Monday by 375%, contributing significantly to doubling total sales compared to the previous year

• Managed a highly active and fast-paced retail store front end at Kohl's, overseeing up to 25 associates at the Point of Sale (POS) and customer service
• Provided daily coaching to associates on credit and rewards solicitation, while ensuring the delivery of exceptional customer service and problem resolution to foster a YES WE CAN culture
• Maintained a flawless track record of 100% accuracy in register balancing for 25 registers over a span of two years
• Collaborated with the Operations Manager on a weekly basis to develop training schedules aimed at enhancing cashier productivity and efficiency in soliciting credits and rewards
• Successfully implemented a training program that resulted in a 2.5% increase in credit solicitation compared to the previous year
• Conducted real-time continuous process improvement surveys to identify areas for remedial and corrective action, such as product quality, customer service, and credit solicitation; provided guidance to staff on.

Greater New York City Area

• Proactively generated and managed a pipeline of over 150 leads, successfully converting 39% into estimates and closing 40% of estimates, resulting in $50K in net sales and 20-25% profit margin.
• Oversaw the recruitment process, conducting interviews with over 30 potential painters, and effectively hired and trained 6 employees to ensure high-quality and efficient production while prioritizing safety.
• Demonstrated strong financial management skills by effectively budgeting and managing personal expenses and payroll, ensuring timely and accurate processing of paperwork.
• Maintained a remarkable record of 100% customer satisfaction, implementing a policy where final payments were made only upon complete customer satisfaction. Managed projects ranging in size from $4K to $10K.

Bachelor Of Business Administration (B.B.A.), Business Administration And Management, General

Activities and Societies: Tau Sigma Honors Society, The National Society of Leadership and Success ( Sigma Alpha Pi)

Associate'S Degree, Business Administration And Management, General

Activities and Societies: Outdoors Club