AGNES ESPIRITU

· Manages overall profitability, marketing operations, and administration of the branch.

· Develops long term relationship and existing and prospective clients

· Gathers feedback as well as obtain information regard to market environment client needs

· Assessed financial status, credit, property assets of applicants in order to determine the possibility of granting a loan.

· Identified needs of new customers and delivered suitable products, thus increasing customer base.

· Increased branch loyalty by providing strong customer service to new and existing financial clients.

· Proposed an annual business plan to increase profitability and effectiveness of the branch.

· Provided information on various loan products and credit options so that customers could make informed decisions.

· Analyzed budget plans and current expenditures and recommended changes and/or updates to reflect trends in the industry.

· During interviews, provided expert financial advice on mortgage, personal and education loans to an average of [Number] loan applicants.

· Increased proficiency and efficiency of daily operations and maximized branch revenues.

· Identified and took advantage of business opportunities by networking with various parties in the community.

· Performed Human Resources responsibilities, including resolving team conflicts, conducting annual performance reviews, hiring and firing employees, providing training, arranging staff schedules, recording staff attendance and hours worked, and handling payroll duties.

· Supervised branch staff with [Number] customer service representatives and [Number] personal bankers and provided training for all new employees.

· Devised company's risk mitigation strategies for the protection of assets.

· To aid management in their decision-making, prepared detailed financial reports on operations and risk assessments.

· Executed sales cycle process from initial contact with client, contract negotiations and closing.

· Using established guidelines and analyzed [Type] applications to designate them as approved, rejected, or needing modifications.

· Collaborated with regulatory representatives to maintain compliance for an accurate filing system.

· Organized special IT projects for updating or converting data and assessed performance metrics.

· Proposed an annual business plan to increase profitability and effectiveness of the branch.

· Provided information on various loan products and credit options so that customers could make informed decisions.

· Analyzed budget plans and current expenditures and recommended changes and/or updates to reflect trends in the industry.

· Revenue increased to $[Number] which justified increasing sales staff from [Number] to [Number].

· Attained [Number]% net profit for company which was greater than [Year] sales goal.

· Assessed financial status, credit, property assets of applicants in order to determine the possibility of granting a loan.

· During interviews, provided expert financial advice on mortgage, personal and education loans to an average of [Number] loan applicants.

· Supervised branch staff with [Number] customer service representatives and [Number] personal bankers and provided training for all new employees.

· Devised company's risk mitigation strategies for the protection of assets.

· Collaborated with regulatory representatives to maintain compliance for an accurate filing system.

· Using established guidelines and analyzed [Type] applications to designate them as approved, rejected, or needing modifications.

· Awarded [Award Name] for increase of [Number]% of completed loans.

· Partnered with investors to raise capital while continuing to maintain stockholder affiliations.

· Executed sales cycle process from initial contact with client, contract negotiations and closing.

· To aid management in their decision-making, prepared detailed financial reports on operations and risk assessments.

· Performed Human Resources responsibilities, including resolving team conflicts, conducting annual performance reviews, hiring and firing employees, providing training, arranging staff schedules, recording staff attendance and hours worked, and handling payroll duties.

· Identified and took advantage of business opportunities by networking with various parties in the community.

· Analyzed more than [Number] client interactions per [Timeframe].

· Increased proficiency and efficiency of daily operations and maximized branch revenues.

· Increased branch loyalty by providing strong customer service to new and existing financial clients.

· Identified needs of new customers and delivered suitable products, thus increasing customer base.

· The following insurance renewals for the company were completed correctly and on time: property, Workers' Compensation, general liability, cargo, aviation and K. & R. documents

· Initiated analysis of [issue] to effectively reach a satisfactory conclusion with a [positive outcome] for all parties concerned.

· Controlled all confidential and proprietary information released to company clients.

· Expenses for tracking locomotive material improved by [Number]%.

· Using [Software], documented all information from customer/client calls and onsite service calls.

· Controlled and directed all aspects from concept to completion of various [Type] company projects.

· Responsible for executing plans for [project].

· All departmental contracts were prepared and submitted to the attorneys for signature and execution.

· Provided exceptional [Type] service to new and long-standing customers, resolved their concerns and developed satisfactory solutions.

· Acted as team leader for [number] [Job Titles] with the objective of providing daily assistance to the company's customer service department.

· Responsible for monitoring various company databases to ensure accuracy of inventory.

· During [Timespan], provided company management updates for all renewals including at-risk renewals and forecast for future costs.

· Increased employees' attendance records from passable to exceptional by emphasizing punctuality and being prepared to start work on arrival.

· Conducted negotiations to resolve disagreements and misunderstandings to successfully resolve conflicts to satisfy both parties.

· Collected subject matter for upcoming meetings, created the agendas and sent out automatic notifications to attendees.

· Created the scope and requirements for company projects.

· Conducted alarm systems demonstrations for customers/clients to illustrate all features of each system.

· As needed, arranged for and/or conducted onsite training for employees.

· Worked tirelessly to resolve customers' problems to their satisfaction, which resulted in a loyal customer base and increased company's positive reputation.

· At the direction of the company's attorneys, prepared legal correspondence and interoffice memorandum for distribution.

· Provided leadership for company's key projects and achieved [positive outcome].

· Provided support to [Job title] to initiate operational improvements and resolve [Type] problems, resulting in A-1 customer/client service.

· Installed, tested, and serviced all alarm system to guarantee correct functioning.

· Acted as team leader for [Type] team for [Type] project with the objective of promoting close cooperation to share information and develop satisfactory solutions to successfully deliver various services.

· Attracted and retained top-quality staff by conducting effective job interviews, conducting performance evaluations, giving constructive feedback suggesting improvements as needed, and rewarding top sales performers.

· Enhanced sales by implementing merchandise and promotional changes.

· Conducted accurate count of stock-on-hand and reconciled discrepancies to maintain inventory.

· Identified and found solutions for complex strategy issues and provided support to sales management to promote business development.

· Assessed sales performance and sales reports to make recommendations to improve inventory accuracy.

· Attained [Number]% net profit for company which was greater than [Year] sales goal.

· Assessed financial status, credit, property assets of applicants in order to determine the possibility of granting a loan.

· Identified needs of new customers and delivered suitable products, thus increasing customer base.

· Organized special IT projects for updating or converting data and assessed performance metrics.

· Increased proficiency and efficiency of daily operations and maximized branch revenues.

· Analyzed more than [Number] client interactions per [Timeframe].

· Devised company's risk mitigation strategies for the protection of assets.

· To aid management in their decision-making, prepared detailed financial reports on operations and risk assessments.

· Executed sales cycle process from initial contact with client, contract negotiations and closing.

· Collaborated with regulatory representatives to maintain compliance for an accurate filing system.

· Using established guidelines and analyzed [Type] applications to designate them as approved, rejected, or needing modifications.

· Supervised branch staff with [Number] customer service representatives and [Number] personal bankers and provided training for all new employees.

· During interviews, provided expert financial advice on mortgage, personal and education loans to an average of [Number] loan applicants.

· Revenue increased to $[Number] which justified increasing sales staff from [Number] to [Number].

· Analyzed budget plans and current expenditures and recommended changes and/or updates to reflect trends in the industry.

· Provided information and explained company's standard policies and guidelines to customers, consumers, contractors and electricians to ensure their understanding.

· Evaluated consumer load forms by checking transformer load.

· Joined engineers and customers to review existing projects and make plans for potential future projects and products.

· Itemized the appropriate cables, fuses and electrical elements required for the installation stage of a weapons detection system.

· Responsible for designing and implementing systems and electrical equipment for commercial and domestic facilities.

· Designed engineering change orders to boost project development and submitted those orders for management's review.

· Contacted electrical contractors to set up a meeting to improve communication and describe project goals and requirements to complete the project effectively.

· Resolved customer complaints by implementing improved diagnostic tools.

· Acted as team leader for a design group to improve operational efficiency in all departments by sharing [Type] technology.

· Ensured new products were available on the date of scheduled public releases under strict deadlines.

· Used various software including AutoCAD, VHDL, Matlab and others.

· Provided design documentation using existing CAD drawings.

· Conducted research of neural networks for self-healing power distribution grids and identified effective execution and/or installation.

· Acted as IT advisor and mentor for all staff and provided total support and solutions for technical issues.

· Supervised production to ensure timely completion on or under set budget.

· Communicated with project teams openly and effectively to effect increase in productivity.

· Maintained department budgets and designed schedules to effectively manage resources earmarked for each planned project.

· Provided industry policies and guidelines information to consumers, contractors and electricians.

· Performed consumer transformer load checks and submitted forms for approval.

· Cooperated with mechanical engineers to design solutions for issues involving product development and maintenance