Richard Juarez Email & Phone Number

United States

United States

White Bear Lake Mn

St Anthony, Mn

A non-profit PCA Choice Provider. Started by Clients and their PCA for Clients and their PCA's, we support and promote Client-directed services.

Arden Hills Mn

Arden Hills

Analytical, decisive credit analyst/ underwriter experienced in all types of commercial and consumer loan and mortgage products. Minimized credit risk by using spreadsheet and data base applications to analyze commercial and consumer financial statements, tax returns, credit reports, and appraisals for credit presentation. Ensured internal and legal regulations were being adhered to and recommend action plans by conducting on site loan reviews and audits. Responding to customer inquiries and assisting commercial bankers with collection plans by maintaining lines of communications.

Minimized credit risk by using spreadsheet and data base applications to analyze commercial and consumer financial statements and tax returns, gathering and reviewing routine credit information for loans; preparing credit presentations.Responding to customer inquiries and assisting commercial bankers with collection plans by maintaining lines of communications.Monitored and followed up on credit covenants, documentation exceptions, and ensured credit files are current.Generated status reports for management/bankers.

and Small Business Banker 2005- 2006Responsible for new small business and consumer development and maintain currentrelationships to maximize sales opportunities and achieve set sales goals. Management ofbusiness and consumer portfolios and present a broad base of financial and credit serviceswith the goal of acquiring 100% of their business. Consistently use strong customerservice to develop and maintain business relationships to identify and create financialsolutions.

Responsible for new businessdevelopment and maintain current accounts, expand current territory, and increase sales.Assist the sales manager with sales training and development, strategic market planning,and new product introduction. Consistently use strong customer service experience tocreate solutions for existing and new customer's office products needs.

2004Assisted general manager with daily operations, staffing, inventory control, training,and business and marketing plans. Supervised staff of sixty five, serving over 300 mealsdaily. Recruited, trained, and evaluated serving staff to achieve excellent customerservice and financial goals.

Directed operations of a multi- unit food and beverage division, in a convention hotel.Oversaw activities of three assistant managers, and five supervisors, supervising a staffof 150 exempt and non exempt employees. Was responsible for the division P&L, budgetplanning, inventory control, menu planning, catering, and staffing needs. Recruited,developed, scheduled and, evaluated exempt and non- exempt employees to insure excellentcustomer satisfaction. Implemented strategic marketing plans to increase sales throughprint and media outlets.

Directed operations of a multi- unit food and beverage department in a private membersetting. Oversaw the activities of two assistant managers, and four supervisors,supervising a staff of sixty permanent and seasonal employees. Was responsible for thebudget planning, inventory control, menu planning, catering, and staffing needs.Recruited, developed, scheduled, evaluated and motivated employees to insure excellentcustomer satisfaction.

Mba; Master'S Of Business Administration Degree, Finance

Babachelor Of Arts, Political Science