Michael Trinidad Email & Phone Number

Johnston, Rhode Island

Provides case management services including intake, assessment and counseling regarding financial literacy and employment. Develops comprehensive plans for client success by understanding needs in order to connect with community partners for proper reintegration. Maintains up-to-date case records with case activity status. Links clients with social services, health care providers and governmental agencies to help claim or reclaim individual autonomy.

Providence, Ri, United States

Negotiated terms and approval conditions with prospective borrowers. Shepherded mortgage process acting as a liaison between all necessary departments. Offered clients updates from initial application to loan closing to maximize customer satisfaction. Drove a sales pipeline of 100+ loans, closing an average of 25 loans and $10M in volume a month. Analyzed applicants' financial status, credit and property evaluations to determine feasibility of granting loans. Ensured favorable rates for businesses and borrowers by locking pricing with secondary market. Optimized workflow by supporting and providing feedback for updating of systems and procedures.

Providence, Ri, United States

Supported loan officers with documentation processing to provide loan files to underwriting for review. Completed and corrected necessary items before moving loans through the processing pipeline. Supported loan officiants and underwriter teams by ensuring timely, judicious and accurate loan processing. Reviewed and verified borrowers' income, credit reports and property appraisals to prepare documents for underwriting. Maintained fast-paced schedule by consistently providing satisfactory application approval turnaround times. Interfaced with borrowers to obtain needed items and prepare applications for underwriting review. Managed conditions sent from underwriting departments.

Providence, Rhode Island Area

Established and optimized relationships with high net worth clients to deepen connections, provide financial solutions, recommend products and increase deposits and investments. Managed a 200+ client book of business. Ensured overall operation of the bank remain in compliance guidelines. Cultivated efficiency and productivity withing the branch by guiding and training junior personnel.

Secured financing through partnered institutions ensuring legal documentation was in alignment with all state and federal compliance laws. Increased sales by negotiating with clients, closing deals and monitoring interest rates. Researched new automotive finance trends to ensure continued knowledge of changing markets. Promoted additional protections such as gap insurance, extended warranties and protection packages to customers.

Warwick, Rhode Island

Served as a customer liaison to best meet needs regarding automotive products. Negotiated deals and followed up on unsold prospects to ensure continued customer satisfaction. Responsible for highest volume of sales from Q3 2017 to Q3 2018. Cultivated relationships with new clients to achieve sales objectives. Completed delivery of sold and leased products to customers within promised timeframes. Obtained referrals from satisfied customers by regularly following up with established personal and business customers.

Master Of Business Administration, Finance

Bachelor Of Science (Bs), Criminal Justice