SAAS Marketing & Sales:
The Manager-Product Marketing with twelve years in driving sales
enablement, product messaging, positioning, and launch initiatives for Retailers. An expert on our customers and products, creating compelling
sales materials, customer-facing marketing content and helping drive strategic
initiatives around our solutions. Understands the competitive landscape and customer personas, and business processes to track market trends and translate these insights into compelling sales tools and marketing programs, in partnership with the marketing and training teams using a wide array of marketing techniques.
Professional Marketing Experience with Commission Junction as a CJ Affiliate,
Marketing Manager. 01/2011 - Present.
• Coordination of marketing online and traditional advertising using web platforms such as LinkedIn, face book, twitter, Instagram, google.
• Posting and advertising CJ/Commission Junction links of various businesses
and their products in retail finance, travel, software, home goods etc.
• Maintaining Marketing intranet site with CJ in line with their platform that is
provided with business advertising campaigns and freeware for advertising.
• Light graphic design and video editing and littoral campaigns with advertising campaigns provided.
Professional Banking Marketing Experience, Principal Duties and Responsibilities.
• Coordination of online and traditional advertising programs and sponsorship for assigned business units.
• Event planning and management.
• Maintaining Marketing intranet site to ensure resources are current for all bank users.
• Purchasing and maintaining inventory of bank premium (logo) items including clothing and giveaways.
• Management of the bank's presence in search engines and other internet properties through internet and in person interface.


Rainstar Capital Group

Professional Marketing Experience with Commission Junction as a CJ Affiliate, Marketing Manager. 01/2011 – Present.
• Coordination of marketing online and traditional advertising using web platforms such as LinkedIn, face book, twitter, Instagram, google.
• Posting and advertising CJ/Commission Junction links of various businesses and their products in retail finance, travel, software, home goods etc.
• Maintaining Marketing intranet site with CJ in line with their platform that is provided with business advertising campaigns and freeware for advertising.

Research Loan accounts and credit lines, researching payment and debit history to identify delinquencies, Loan and Credit
Card Amortorisiations, recalculations.
Following standard operating procedures & Data entry of Findings of customer accounts & Reporting updating Analytics,
Lead risk remediation efforts, which could include meeting with key stakeholders of all levels across the organization, sourcing, manipulating, and analyzing data sets,
Proven experience as a Business Analyst in the investment management industry.
In-depth understanding of investment processes, financial instruments, and portfolio management.
Strong quantitative and analytical skills with proficiency in data analysis and modeling.
Knowledge of risk management principles and practices in the context of investment portfolios.
Experience with investment management systems, reporting tools, and technology solutions.
Excellent communication, collaboration, and stakeholder management skills.

Business Development Credit Union Sales Loan Officer.
Loan Credit Specialist, Insurance & Title, Loan Operations Assistant.
Metrowest Federal Credit Union, Framingham MA, April 2024 - Nov 2024. (Contract Position)
* Wrote Business Requirements Document (BRD) by conducting detailed interviews with business users, stakeholders & SMEs to determine, write, communicate & prioritize clear & well-defined business and functional requirements for software enhancements specifically related to the ACBS (Advanced Commercial Banking Platform).
* Consumer loan processing of Auto loans, personal loans, Credit Card loans, Home Equity loans.
* Gathering information for the loan application,
* Evaluating credit histories for application,
* Dfined the scope and business rules of the project, gathering business requirements, and document them textually and using models.
* Collecting data from customers regarding assets, debts, employment, etc
* Researching and calculator of DTI/LTV and making recommendations for credit worthiness,
* Reviewing file for documentation and missing information before closing,
* Meeting loan deadlines and preparing for credit committee review,
* Providing support to The SVP of Lending of all lending and operations.

This position had overall responsibility for the effective performance of a full-service branch within the assigned region, including operations, production, client service, training, security, and safety in accordance with the bank’s objectives. This position will be responsible for the performance objectives and procedures for the region’s consumer banking function and managing the teams’ goals and objectives of their business lines.
Collaborating with business stakeholders, architecture, and integration teams to deploy multiple applications for business partners.
Gathered, built, and reviewed BRD and FRD documentation regarding linkage of accounts and worked with corresponding departments to articulate requirements.
Formally credit trained and experienced in consumer underwriting/accounting concepts, pricing methodologies and/or funding arrangements in consumer and commercial loans from application to closing.
Assigned cases/book of business to include multiple product types for funding arrangements and/or rating methodologies.
Prepares and delivers moderately complex new business quotes and underwrote before and approving for funding.
Complexity of work increases as technical skills progress.
Independently reviews work from all staff members for accuracy and recommends pricing and/or accounting alternatives based on financial analysis, underwriting principles, and business strategy.
Anticipates questions and formulate responses based on the lending policies of the credit Union for approval.
Utilizes advanced functionality of underwriting tools, systems, Jack Henry Symitar and reference materials to produce accurate quotes.
Applies underwriting guidelines and grants underwriting exceptions/financial variances for their assigned cases within the authority limit for the position.
Analyze and underwrite C&I and CRE credit requests with attention to the 5 C's of Credit: Character (FICO), Capacity, Capital, Collateral, & Condition of their asset, whether all business assets (ABA), real estate or otherwise.

* This position had overall responsibility for the effective performance of a full-service branch within the assigned region, including operations, production, client service, training, security, and safety in accordance with the bank's objectives. This position will be responsible for the performance objectives and procedures for the region's consumer banking function and managing the teams' goals and objectives of their business lines.
* Collaborating with business stakeholders, architecture, and integration teams to deploy multiple applications for business partners.
* Gathered, built, and reviewed BRD and FRD documentation regarding linkage of accounts and worked with corresponding departments to articulate requirements.
* Formally credit trained and experienced in consumer underwriting/accounting concepts, pricing methodologies and/or funding arrangements in consumer and commercial loans from application to closing.
* Assigned cases/book of business to include multiple product types for funding arrangements and/or rating methodologies.
* Prepares and delivers moderately complex new business quotes and underwrote before and approving for funding.
* Complexity of work increases as technical skills progress.
* Independently reviews work from all staff members for accuracy and recommends pricing and/or accounting alternatives based on financial analysis, underwriting principles, and business strategy.
* Anticipates questions and formulate responses based on the lending policies of the credit Union for approval.
* Utilizes advanced functionality of underwriting tools, systems, Jack Henry Symitar and reference materials to produce accurate quotes.
* Applies underwriting guidelines and grants underwriting exceptions/financial variances for their assigned cases within the authority limit for the position.
* Analyze and underwrite C&I and CRE credit requests with attention to the 5 C's of Credit: Character (FICO), Capacity, Capital, Collateral, & Condition of their asset, whether all business assets (ABA), real estate or otherwise.

Banking Sales Consumer C&I Loan Officer
SBA Commercial Loan Processor, Credit & Lending

* This position was a remote and onsite in Medford MA retail banking location, where I was responsible for all aspects of the, PPP Forgiveness loans, from application point into the banking system,
* Reviewing the applications for completeness, and contacting the customers for information to support their application, inputting the information, adhering the Quality control-according to the bank and SBA policies, and approving the loans before submission the SBA for funding through the Bank.
* Respond to loan inquiries, review loan requests, and conduct interviews with potentially qualified applicants,
* Underwrite loans by interviewing loan applicants, conducting due diligence, analyzing financial data, and performing risk assessments
* Finalize the loan process by preparing and submitting credit memos for further review, or recording and communicating loan denials in detail
* Provide clear communication with clients concerning the outcome of their application: terms of loan approvals; specific reasons for loan denials; and possible avenues for future success.

United States

Store Supervisor,
Duties: Operations Manager, Cash Vault Custodian, AML/Compliance
Manager.
TD Bank., Quincy, Massachusetts.
11/2020 - 7/2021
• Opening new accounts, Prospecting for new Business, Loan applications for consumer and Business loans and lines of Credit,
• Supervisor of all Branch Sales, Customer Service, Operations staff, Teller
and Platform staff and their duties,
• Responsible for and Leads all store operational standards, including cash handling, control of negotiable items, preventing fraud, Managing controllable
expense, promoting integrity, customer privacy and employee safety,
• Leads by example and coaches team members to focus on customer experience, by having needs-based conversations, and offering Financial
solutions to meet our customer's needs.
• Partners with store leadership to achieve both store and individual performance metrics,
• Responsible for making sound decisions and timely problem resolution,
• Provides supervision/coaching/mentoring of all teller and platform staff to positively reinforce behavior and assist with staff Development and planning,
• Move between teller and platform line and is flexible to provide needs of both,
• Primarily worked in retail store and occasional travel for training and regional
meetings with district managers and answer to sales calls, both internally and externally,
• Approve all financial transactions using sound judgement to minimize risk
and potential losses from fraud and all decisions that Impacts all other store
decisions that impacts the store financial results.

United States
> A Compiler, Underwriting, Credit Analyzing, Approving of SBA/PPP Loans.
GS-1165 9-11.
This position supports the SBA in their processing of the Economic Injury
Disaster Loans submitted by small businesses across the country in the wake of COVID-19., SBA Small Business Administration of America/ODA Office of Disaster Office, United States Government.
>>>>>Reviewing all SBA Applications for completeness and contacting
applicants for documentation and adding to system, pulling and reviewing
credit reports contacting and submitting applications, approving, or declining the loans after all due diligence is done.

Greater Boston Area

Robert Half International Inc.,
Business Administrator
Responsibilities:
>>>Bellwether Credit Union Call Center Customer Service Loan
Representative, RTN Federal Credit Union Customer Service & Teller,
Business Administrative.Metrowest Federal Credit Union,
• Taking loan applications, cross selling Credit Union products and services,
Consumer Service that provides technical support by troubleshooting and problem solving for clients experiencing difficulties using all retail applications.
• Assist clients by initiating payment investigations, maintenance requests, fulfillment requests, research request, and fee reversal requests received by phone and e-mail.
• Consistently deliver an exceptional client experience on every client contact.
• Make outbound calls to clients to provide resolutions for Online Banking and research requests.


Other Assignments completed:


• Assignments Done: Credit Union Call Center Loan & Account processor at Bellwether Credit Union, Ethos Animal Hospital Call center, RTN Credit Union
Teller, Administrative Assistant, Receptionist Mc Cracking Financial, Customer
Service, Law Firm Receptionist Morrison & Mahoney Switchboard operator,
Boyle Shaugassney Law, NCLC National Consumer Law Center.

United States

>Finance Broker and Business Development Manager USA Businesses,
Business Finance Sales.
>Business Development in Sales B2B/B2C and Customer service,
>Sales of Consumer & Commercial Loan origination, compiling, underwriting.
Analyze credit applications and bureau credit reports, analyze and assess creditworthiness of credit applicants, perform due diligence and make key credit recommendations, assessing and reviewing financial
statements, communication and writing skills, with an ability to write credit
recommendations based on findings, Submitting the loans and line of credit
applications for approval and funding.


Apply here, No Upfront Fees: I/we offer 1. Startups 2. Debt Consolidation- especially for clients with high paying Merchant Cash Advances 3. Working
Capital 4. Expansion Capital 5. Funding for Real Estate Investors 6.
Unsecured Loans & Credit Lines, Equipment Financing, Private money
Lending.

* Partnered as an independent agent, Broker & Vendor of RainStar Capital Group to offer and accept applications
* This included Business Loans, Credit Cards, Lines of Credit Secured and Unsecured, Cash Flow advance, Factoring or accounts receive financing,
* Collaborating with business stakeholders, architecture, and integration teams to deploy multiple applications for business partners.
* Excellent knowledge in Asset Management, Wealth Management, Investment Banking, Derivative products such as Options and Futures, Credit Card, Insurance and Bonds.
* Analyze and underwrite C&I and CRE credit requests with attention to the 5 C's of Credit: Character (FICO), Capacity, Capital, Collateral, & Condition of their asset, whether all business assets (ABA), real estate or otherwise.
* Asset Based Loans, Equipment based leased, real estate financing to any industry sector.
* Respond to loan inquiries, review loan requests, and conduct interviews with potentially qualified applicants,
* Underwrite loans by interviewing loan applicants, conducting due diligence, analyzing financial data, and performing risk assessments
* Finalize the loan process by preparing and submitting credit memos for further review, or recording and communicating loan denials in detail
* Provide clear communication with clients concerning the outcome of their application: terms of loan approvals; specific reasons for loan denials; and possible avenues for future success.

Partnered as an independent agent, Relationship Manager of RainStar Capital Group to offer and accept applications for:
This included Business Loans, Credit Cards, Lines of Credit Secured and Unsecured, Cash Flow advance, Factoring or accounts receive financing,
Asset Based Loans, Equipment based leased, real estate financing to any industry sector.
Respond to loan inquiries, review loan requests, and conduct interviews with potentially qualified applicants,
Underwrite loans by interviewing loan applicants, conducting due diligence, analyzing financial data, and performing risk assessments
Finalize the loan process by preparing and submitting credit memos for further review, or recording and communicating loan denials in detail
Provide clear communication with clients concerning the outcome of their application: terms of loan approvals; specific reasons for loan denials; and possible avenues for future success.

Traditional Division Branches of RBS Citizens Bank.
• Provide world class service, to meet and exceed the customer's expectations, in accordance with Citizens Bank Credo.
• Open new accounts, perform account maintenance, process loan applications and close in accordance with the bank's guidelines.
• Develop new customer relationships, grow deposit accounts, Analyze
and determine the financial needs of each customer.
>> Assisted in all operations to running the branch and assisted the teller line
in operational duties.


RBS Citizens Bank N.A., In Store Division, (Supermarket Branch)

USA.

• Opening new accounts, Prospecting for new Business, Loan applications for consumer and Business loans and lines of Credit,
Finance Sales, Customer Service, Operations, Retail Underwriting of Loans,
Store Supervisor.
• Provide world class service, to meet and exceed the customer's expectations, in accordance with Citizen's Bank Credo.
• Take personal responsibility to develop knowledge of Citizen's banking system and job functions.
• Open new accounts, and process loan applications and close in accordance with the bank's guidelines.
>> Assisted in all branch operational procedures to run the branch.


Citizens Bank

Massachusetts, United States, Traditional Banking.

RBS Citizens Bank, Banker / Financial Sales & Customer Service
Professional. # 968 Highland Ave, Need ham Heights MA 02494, (Jan 2007- Sep 2009). Montvale Ave, Woburn Branch. Retail Banking as
>Personal Banker with/Teller, large cash handling duties,
>Vault custodian and Branch opening and closing duties
>Business Development in Sales B2B/B2C and customer service, Managing
and hiring staff.
>Sales of Consumer & Commercial Loan origination, compiling, underwriting.


Sovereign Bank

• Opening new accounts, Prospecting for new Business, Loan applications for consumer and Business loans and lines of Credit,
• Underwriting and Closings.
• Assisted the branch manager in all sales activities to which was assigned according with the branch sales goals.
• Actively prospected in the local business district for new business and to up sell.
• Sold the bank’s deposit and loan products, Made referrals to the appropriate bank associate for investment and mortgage loan needs.