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yyyyyy x. yyyyyy                                                            0000 xxxxxx xxxx , xxxx , xxxxx 00000



financial services professional exploring opportunities to contribute dynamic credit, business development, operations, administration, team building and managerial skills toward actively supporting the employer in maximizing revenue performance.


career profile

ø  over 13 years of successful career business background.

ø  knowledgeable in all facets of financial services operations.

ø  expertise in credit and loan origination issues and performance.

ø  comprehensive understanding of business management.

ø  adept in default negotiations.

ø  skilled in human resource management.

ø  proficient in advanced business software applications.

ø  proven accomplishments in building market share and recognition.

ø  track record of achieving challenging revenue objectives.

ø  outstanding capacity in customer service.

ø  well-organized multi-tasker with strong detail orientation.



professional experience

fifth third bank, cincinnati, oh                                                                                                 2003 - present

default negotiator (date-present)

       promoted to coordinate with borrowers, mortgage brokers, investors, title companies, attorneys, insurers and real estate agents.

       tasked to mitigate foreclosure/reo avoidance/losses.

       successfully minimize potential losses.

       assess, recommend and execute best options for customer and investor and fifth third bank.

       analyze borrower financial statements, tax returns and credit reports.

       negotiate and pre-approve workouts.

       conduct loss analysis and recommendations for loan workout.

       top departmental performer producing $30,000+ commissions in 2008.


customer service manager (dates)

       advanced to oversee financial center daily operations and risk management.

       oversaw operational/referral activities of customer service representative (csr) and financial service representative (fsr) staff.

       administered cash fund and processing of multiple consumer, commercial and related transactions.

       orchestrated all hr functions.

       delivered professional, timely and proficient customer service.

       provided leadership for internal sales.

       conducted employee performance appraisals.

       in twelve months, upgraded center performance from last place to top five performer in sales and audit.


mortgage loan originator (2003-date)

       recruited to perform wide-ranging duties in origination of residential 1st mortgage loans from outside referrals.

       achieved all standards/objectives for mortgage loan sales and cross-selling.

       facilitated residential mortgage loan process from application to closing.

       developed numerous referral contacts covering realtors, builders and professional/personal contacts.

       expertise in loan products, processing procedures, underwriting and general departmental guidelines.

       successfully managed pipeline for all loans.

       originated $2mm+ in new loan applications each month.


yyyyyy x. yyyyyy

page two



corporate express, cincinnati, oh                                                                                               2002 c 2003

account executive

       retained to manage current accounts and develop new business.

       established highly positive customer relationships.

       planned and launched strategic sales initiatives.

       delivered sales presentations to high level decision makers.

       top performer for mid-market region while attaining quota on a consistent basis.


office furniture usa, nashville, tn                                                                                              2000 c 2002

account executive

       retained to meet client office furniture and space planning requirements.

       developed over 60% of client base.

       conducted comprehensive sales process to customer satisfaction surveys.

       coordinated with over 100 furniture distributors/dealers and design engineers.

       top sales performer for six consecutive months.





earlier background

prior to 2000, served as assistant buyer/accounting specialist, the kroger company, nashville, tn.  in this assignment conducted procurement for 85 retail units, upgraded profitability by improving out-of-stocks 10% and saved over $50,000 in unnecessary banking charges.






bellmont university, nashville, tn

business studies


nashville state university, nashville, tn

general studies

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