Michael Termine Email and Phone Number

Successfully managed store employees through orientation, training, and fulfilling objectives; while building morale, motivation and loyalty in my staff. 
Maintained expenses below budget through controlling use of overtime and memo hours; controlling and executing ordering, inventory budget, expense budget and payroll budget. 
Successfully directed operation and improving unit sales, profit and image; implementing all internal controls of the combined food and drug operations, including all… Show more Successfully managed store employees through orientation, training, and fulfilling objectives; while building morale, motivation and loyalty in my staff. 
Maintained expenses below budget through controlling use of overtime and memo hours; controlling and executing ordering, inventory budget, expense budget and payroll budget. 
Successfully directed operation and improving unit sales, profit and image; implementing all internal controls of the combined food and drug operations, including all store orders. 
Directed and attained store and department sales, gross profit and income budget. 
Management/Administration 
Overseen daily operations of the entire store which included but not limited to handling employee's needs; answered customer's questions or complaints satisfactorily; communicating effectively with the Corporate Office and local District Office; handling scheduling; assigning daily duties; handling all banking requirements; implementing customer service training and programs.  
Supervision/Training 
Recruited, hired, supervised, scheduled, and motivated all staff and potential employees. 
Trained service staff to enhance customer service and increase profits through suggestive selling. 
Improved productivity and morale by initiating systems for accountability and by instituting effective training programs. Show less

Analyzed clients financial status, credit, and property evaluation to determine specific options to accommodate individual needs. Managed real estate loans through each phase of the underwriting process. Promoted and cross sold all products consisting of first and second mortgages, equity lines, automobile refinances and purchases, unsecured credit lines, mortgage insurance and credit insurance. Compiled and presented loan packages and facilitated the negation of loan structure with… Show more Analyzed clients financial status, credit, and property evaluation to determine specific options to accommodate individual needs. Managed real estate loans through each phase of the underwriting process. Promoted and cross sold all products consisting of first and second mortgages, equity lines, automobile refinances and purchases, unsecured credit lines, mortgage insurance and credit insurance. Compiled and presented loan packages and facilitated the negation of loan structure with clients, including fees, loan repayment options, and other credit terms Show less