Nicole (Wright) Sears Email & Phone Number

Lake Placid, Ny

Helping residents of New York State manage the risks of everyday life and recover from the unexpected.Working with all lines of coverage from personal lines such as homeowners and automobile, to commercial lines protecting virtually any type of business, to life and many specialized health products.With access to over 35 different major carriers, not only am I able to provide personalized local service, but also to the entire state of New York.

Responsible for lending operations of the only Federal and State certified Community Development Finance Institution in northern New York State.Primarily responsible for same duties as Senior Lending Officer in addition to the following:Expand services and products to small business owners in communities in a 14 county coverage area in New YorkApply for recapitalization of funds through Governmental Grant and Loan opportunitiesAdministrate several Village-based small business loan fundsBuild and maintain relationships with national trade organizationsManage and maintain loan portfolio of 89 active clients - compile and present monthly departmental reports

Responsible for loan origination, structuring, underwriting and financial analysis, presentations and closing assistance - increased lending activity by 140% in 2009Build and maintain meaningful relationships with other lenders and non-profits throughout northern New York State - including County based Industrial Development AgenciesOn-site evaluation and assessment of current clients as well as businesses seeking funding

Compile quarterly investment reports and month end activities including departmental expense statementsAnalyze and evaluate grants while assisting in budgeting processProcess Accounts Payable and Payroll utilizing GMS Accounting SoftwareResponsible for providing business counseling, training and financial support to small businesses in the four northern-most counties of New York and the St. Regis Mohawk Reservation. The ComLinks Women's Entrepreneurial Business Center is one of only seven in New York State.Responsible for loan origination, structuring, underwriting and financial analysis, presentations and closing assistance - increased lending by 250% in 2008Prepare fiscal reports regarding the Franklin County Microenterprise Assistance ProgramManage and maintain a loan portfolio of 42 active clients Assist in the writing of a Small Cities Grant Application

Master, Business Administration

Activities and Societies: Concentration in New Venture and Innovation Internship - Clarkson Consulting Group - Management Consultant.

Bachelor Of Arts, Mathematics

Activities and Societies: Executive Intern in Marketing - Conducted interviews of business and academic leaders relative to financial.