Sales Mgr Resume Sample

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Earnestine McClure
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Work Experience


UPG National Acct Senior Sales Mgr-virtual
07/2015 - PRESENT
Phoenix, AZ
  • Sell to key ad agencies. Make sales presentations with Account Managers that result in business
  • Retail management or sales experience
  • Familiarity with products in all hardlines areas through outdoor related experience is beneficial
  • Provides input into station’s strategic planning, marketing and sales budgets as requested
  • Sales experience (big box/high volume) Hourly softlines outfitter Department/sales manager Management experience Ability to multi-task Time management and prioritizing to ensure all projects, work lists, customer/employee responses are completed by established timeline and are immediate when necessary
  • Big Box High Volume Retail Experience helpful!
  • Great Merchandising skills!
Segment Sales Mgr
06/2008 - 04/2015
Philadelphia, PA
  • Manages an assigned geographic sales area or product line to maximize sales revenues and meet corporate objectives
  • Reviews progress of sales roles throughout the company
  • Develops specific plans to ensure revenue growth in all company’s products
  • Provides quarterly results assessments of sales staff’s productivity
  • Coordinates proper company resources to ensure efficient and stable sales results
  • Holds regular meeting with sales staff
  • Reports directly to Vice-President of Sales
  • Manage the production, profitability and relationships with Territory Managers and agencies in the assigned district
Asst Mortgage Sales Mgr
04/2002 - 12/2007
Los Angeles, CA
  • Proven leadership ability and management experience
  • Proven experience in and strong understanding of the sales process
  • Be flexible with work schedule including evening, weekends, holidays and working at multiple locations
  • Participate or lead the recruiting, interviewing, and hiring for hourly and salaried associates
  • Lead consistent evaluation and development of in-store talent
  • Responsible for establishing and maintaining internal controls and procedures that ensure material information related to the company is made known to the certifying officers
  • Assure work products and requirements are performed in accordance with documented control activities
  • Immediately inform Process Owners and Corporate Governance where control activities have become ineffective due to process or personnel changes
  • Plan and manage the resources necessary to accomplish remediation actions in the timeframe agreed with all relevant personnel and executive management

Education


University of Phoenix - Turnpike Learning Center
1998 - 2002
Bachelor's Degree in Business

Professional Skills


  • Demonstrated problem solving and negotiation skills; proficient financial and analytical skills
  • Excellent time management, human relations and customer service skills
  • Demonstrated marketing/sales ability through a proven record of increasing responsibility and achievement
  • A valid driver’s license and strong driving record
  • Coach and mentor staff on the understanding and use of the SSA and to develop and improve skills
  • Prior sales leadership experience
  • Engineering experience, preferably within a manufacturing environment

How to write Sales Mgr Resume

Sales Mgr role is responsible for microsoft, events, mortgage, compensation, training, finance, organization, retail, credit, database.
To write great resume for sales mgr job, your resume must include:

  • Your contact information
  • Work experience
  • Education
  • Skill listing

Contact Information For Sales Mgr Resume

The section contact information is important in your sales mgr resume. The recruiter has to be able to contact you ASAP if they like to offer you the job. This is why you need to provide your:

  • First and last name
  • Email
  • Telephone number

Work Experience in Your Sales Mgr Resume

The section work experience is an essential part of your sales mgr resume. It’s the one thing the recruiter really cares about and pays the most attention to.
This section, however, is not just a list of your previous sales mgr responsibilities. It's meant to present you as a wholesome candidate by showcasing your relevant accomplishments and should be tailored specifically to the particular sales mgr position you're applying to. The work experience section should be the detailed summary of your latest 3 or 4 positions. Representative Sales Mgr resume experience can include:

  • Direct the Division’s mortgage and home equity sales activities by recommending staffing levels and organization structure, selecting employees, establishing job responsibilities, performance standards and incentive compensation structures and managing staff performance consistent with bank policy and sound management skills
  • Fosters effective teaming relationships at local, and regional levels
  • Deliver strong, sustainable YOY growth for Microsoft by exceeding defined targets for revenue growth and cloud consumption for a $200M annual business
  • Demonstrates “hair on fire” passion for sales, owns the pursuits, follow-through, and not just administers the SSA process
  • Establish overall tone and direction of the department and set department priorities
  • Effective communication with operations to understand new sales initiatives and / or to facilitate successful hand off of referrals

Education on a Sales Mgr Resume

Make sure to make education a priority on your sales mgr resume. If you’ve been working for a few years and have a few solid positions to show, put your education after your sales mgr experience. For example, if you have a Ph.D in Neuroscience and a Master's in the same sphere, just list your Ph.D. Besides the doctorate, Master’s degrees go next, followed by Bachelor’s and finally, Associate’s degree.

Additional details to include:

  • School you graduated from
  • Major/ minor
  • Year of graduation
  • Location of school
These are the four additional pieces of information you should mention when listing your education on your resume.

Professional Skills in Sales Mgr Resume

When listing skills on your sales mgr resume, remember always to be honest about your level of ability. Include the Skills section after experience. Present the most important skills in your resume, there's a list of typical sales mgr skills:

  • Excellent computer skills, including knowledge of Microsoft Suite (Word, Excel, PowerPoint, Outlook).
  • Recruiting. Demonstrated ability to build a healthy pipeline of great technical sales talents required
  • Proven leadership by mentoring, coaching and training direct reports for success
  • Experience required in related field (Marketing, Communications, Advertising, Public Relations, Business Management)
  • Experience using Microsoft Office Suite applications in a work setting
  • Related experience: Tech sales leadership roles, managing high performance tech sales teams, coaching architecture and solution sales

List of Typical Experience For a Sales Mgr Resume

1

Experience For Segment Sales Mgr Resume

  • Maintains comprehensive knowledge of mortgage banking markets, products, pricing, laws and regulations, practices, competitors, technology and current industry issues. Ensure compliance with appropriate bank policies and regulatory guidelines, including Fair Lending and Community Reinvestment Act objectives
  • Drive the external sales force (e.g. agents/distributor reps) to create value for Bayer range of product, create and monitor KPI to focus efforts on Bayer’s priorities
  • Provides oversight and evaluation of office SSA effectiveness; intervenes when needed to make and improve upon process improvements
  • Provide the high level of technical product training and support to the key customers and end users’s technical directors and managers
  • Develop, plan, and implement sales initiatives aimed at maintaining and
  • Has responsibility for chain headquarters selling responsibilities
  • Executes corporate standards to increasing profitable sales volume
  • Coordinate mega project war rooms with division sales officer and division marketing director
  • Advise on inclusion of firm wide resources in win planning
2

Experience For Nat Sales Mgr-medical & HBC Resume

  • Attend and advise at rehearsals according to presentation rehearsal guidelines
  • Account strategy & planning - Mastery
  • Prospect for and acquire new business in all Koch customer markets
  • Conduct surveys of filters applications in the field to make appropriate recommendations for improvements
  • Hires, develops, and manages the performance of a consultative, collaborative sales team that mirrors the market’s diverse client base. [Sales supervision]
  • Attends and facilitates training and associated workshops to increase own and sales team’s product, marketing, and sales skill and knowledge, and to stay abreast of Company and competitive products and pricing. [Training and development]
  • Facilitates account-specific strategic planning to maximize market share and revenue and maximize the potential of team’s account lists. Assigns accounts with consideration to share growth, cost of sale, and client potential. Maintains ongoing coordination with MSC to monitor lead and demand generation activity. [Account strategy]
  • Seeks “starburst” opportunities within existing customers to grow revenue opportunities across the IQVIA™ suite of offerings
3

Experience For UPG National Acct Senior Sales Mgr-virtual Resume

  • Possesses knowledge of key marketplace issues/needs for the evolving provider/payer/ACO market and related businesses
  • Proactively strengthens in-depth knowledge of suite of provider solutions and their applicability within a client’s enterprise
  • Identifies and manages resources to develop proposals that position IQVIA™ capabilities & solutions to customers
  • Represents IQVIA™ at conferences, industry trade shows and related events, and cultivates strategic opportunities as a result of attendance
  • Deep knowledge of one or more IQVIA™ specialty products along with subject matter expertise relating to client business processes that are improved by the IQVIA™ solution
  • Familiar with IQVIA™ offerings and account management
  • Demonstrated track record and success in selling solutions to provider clients (e.g. revenue targets met/exceeded, recognition of top-tier performance, etc.), excellent presentation/writing skills, ability to act with a sense of urgency, and ability to work independently and in a team environment
4

Experience For District Sales Mgr Resume

  • Demonstrated ability to articulate the business case of healthcare business intelligence/analytics solutions, create C-suite-facing ROI analyses and negotiate engagements with creativity and effectiveness
  • 10%- Maintain a solid working relationship with all appropriate personnel at the VMI customer’s location
  • Demonstrated C-Suite level relationships in the provider, payer, ACO or related markets
  • Strong culture builder and people developer
  • Develop and implement sales strategies, by balancing key performance measures, to maintain and improve the Company’s sales results
  • Collaborate with other members of the leadership team in developing sales forecasts in line with the overall business plan
  • Manage the Drives and Controls sales proposal process from opportunity identification through contract flow down to key GE organizations
5

Experience For Sales Mgr Specialized Products Resume

  • Lead deal strategy development and reviews, ultimately obtaining appropriate approvals for pricing, delivery and other commercial terms for specific Drives and Controls sales proposals
  • Work with Marketing and Product Line Leadership to develop new products and services for business growth in Drives and Controls and Field Services
  • Support sales directors and commercial operations with direct customer negotiations as required
  • Maintain knowledge of market trends, customer requirements, competitor actions, and customer base with regards to Transformer Repair and Field Services
  • Facilitates segment-specific strategic planning to maximize market share and revenue and maximize the potential of team’s account lists. Assigns accounts to appropriate sales channels, and within outside sales, assigns account representatives with consideration to share growth, cost of sale, and client potential
  • Attends job-related training and informally remains current on technical information regarding Cox’s telephony, data, and video products and offerings, and sales through completion of required/recommended training program
  • Ensure that disciplinary issues and performance deficiencies are properly discussed, documented in a timely manner, and forwarded to individual’s personnel file
  • Provides leadership and takes ownership for total Sophisticated Sales Approach (SSA) process for the district under the general direction of the District Leader
6

Experience For Area Sales Mgr, M&e-se Asia & Aus Resume

  • Leads, champions, owns, teaches and is responsible for the total SSA process for the district
  • Shepherds the preparation of the district strategic plan, following the HNTB process, involving key inputs, ideas, and drafts for review and direction by the District Leader
  • Encourages, facilitates, and energizes the office strategic planning process throughout the district, reviewing, commenting on, and following-up on office strategic plans
  • Accountable for sales goals both budget and performance, leads and fees, district win/loss, Momentum, client assessments, and client audits
  • Responsible for Go/No Go on mega teaming/ role / subs / net to gross. Has signing authority on Mega Go/No Go decisions as designated by the District Leader and on specific areas of responsibility and assignments
  • Initiate sales promotion and sales research material
  • Develop and implement sales strategies aimed at increasing business on new or existing accounts in collaboration with operational strategies that support growth initiatives
  • Direct prospecting and referral efforts in assigned territory
  • Cultivate and maintain favorable contact with key and major accounts by building long-term relationships
7

Experience For Territory Field Sales Mgr Resume

  • Identify trends and insights, and improve campagin/sales performance based on insights
  • Establish a referral network to drive growth
  • Build brand awareness and represent brand in a professional manner
  • Document sales accounts and activities daily
  • Sustain a record of high sales achievement
  • Review and analyze sales activities and/or campaign performance to evaluate effectiveness towards sales strategy to be done weekly, monthly or as needed with leadership
8

Experience For Area Sales Mgr Resume

  • Account research, lead qualification, follow up and forecasting
  • Own, lead and leverage existing line of business health industry executive relationships
  • Sales meetings, site visits and presentations
  • Proposal development- quotes, ROI and competitive comparisons
  • Negotiations at C level
  • Coordinates with market leadership to identify and grow talent in each market. Responsible for talent management and succession planning to ensure adequate bench strength. Develops employees to their fullest potential and provides challenging opportunities to enhance employee career growth and promote diversity
  • Works with the Retail Market Managers to implement a successful market plan utilizing market analysis; identifies product viability and workable strategies to predict success. Coordinates with branch personnel to ensure proper support is in place during sales campaigns, and identifies and implements effective customer service enhancements
  • Promotes reputation and social responsibility; seeks and maintains external relationships and alliances, strengthening the company's impact on and reputation in the communities served
  • Exceed Revenue and adoption goals
9

Experience For Ib Vmi Reg Ops / Sales Mgr Resume

  • Maintain healthy sales opportunity pipeline measured by ‘coverage ratio’ and ensure adherence to corporate standard tools and operational processes
  • Drive deep Customer and Partner Engagement
  • Ensure high quality customer and partner experiences through thoughtful Account Planning, Executive Engagement and co-selling with Partners Coach team members on engaging deeply at the Executive level, including adding value to key lines of business across all segments within Healthcare
  • Lead and Inspire the Team
  • Cultivate a healthy, diverse and inclusive sales culture in support of Microsoft’s core values and Mission to empower every person and organization on the planet to achieve more
  • Execute all aspects of hiring, developing, coaching/mentoring, appraising, rewarding and holding teams accountable for assigned job responsibilities and results
10

Experience For Area Sales Mgr-ice Cream Resume

  • Collaborate deeply across peer leaders, throughout Microsoft and with our Health Partners to jointly achieve key revenue, growth and industry impact
  • Develops long term relationships with key accounts assigned to the district
  • Recognizes and responds appropriately to competitive activity
  • Hires, trains and develops personnel to achieve established territory goals
  • Works with contract administration to develop and maintain contracts
  • Develops professional working relationships with chain contacts by aligning the key strategies of retailer with those of American Greetings, Recycled Paper Greetings, and/or Papyrus
  • Develops and/or implements global operating plans required to support product and program launches and achieve desired sales results
  • Works closely with the field sales organization to increase the adoption of Medtronic's products by developing and/or executing strategic field activities involving customer education, training and product messaging
  • Develops and drives product and service strategies, operational excellence, high quality and high economic value resulting in market differentiation, revenue growth and increased market share

List of Typical Skills For a Sales Mgr Resume

1

Skills For Segment Sales Mgr Resume

  • Strong background in Strategic Account Management, sales training/leadership, pricing, and budgeting required
  • Solid understanding of the Country’s healthcare system, regulatory and reimbursement processes
  • Experience in sales selling DMS products to car dealerships
  • Leadership experience in a work or non-work setting
  • Experience in sales selling DMS or complex software products to car dealerships
  • Experience in sales selling DMS or similar products to car dealerships
2

Skills For Nat Sales Mgr-medical & HBC Resume

  • Has a strong interest in becoming the District Leader
  • Knowledge and sales experience of DMS solutions or similar products used in the automotive industry (Reynolds and Reynolds, ADP, UCS)
  • Knowledge and sales experience of DMS solutions or similar products used in the automotive industry (Reynolds and
  • Related experience
  • Demonstrates a true passion for sales
3

Skills For UPG National Acct Senior Sales Mgr-virtual Resume

  • Effective coach – assists professionals at all levels in successful client service and pursuit strategy development/implementation
  • Develops and executes programs through effective management of personnel to maximize sales, control costs, and maintains account standards
  • Understanding BP and building internal relationships - Skilful
  • Prospecting- cold calling in person and over the phone
  • Working knowledge of personal computers and Microsoft software
  • Maintain a broad understanding of products, guidelines and pricing strategies
  • Supports District Leader in developing and overseeing a government relations program
  • Management of existing account base, while actively soliciting new business opportunities in the territory
4

Skills For District Sales Mgr Resume

  • Lead deal structuring, pricing and all other proposal development activities as the sales team's primary proposal interface with Drives and Controls projects
  • Assist sales directors and territory sales managers in identifying new opportunities and creating sales analysis for the assigned sales region
  • Acts as a trusted advisor to the District Leader, serving as part of the leadership team and contributing beyond sales focus
  • Partner with channel partners to develop customer relationships with new and existing dealers
  • Leads sales initiatives utilizing area sales organization
5

Skills For Sales Mgr Specialized Products Resume

  • Performs ride-a-longs and market tours with team members to provide coaching and development guidance
  • Grow Microsoft’s presence in the region through customer references, successful deployments, local events and community building
  • Develop and manage the Mortgage Banking Division’s mortgage production budget
  • Work with different geographic location with culturally diverse groups
  • Performer. Highly driven person who consistently exceeds goals and expectations required. · Management excellence. Solid record of managing business operations and processes required
6

Skills For Area Sales Mgr, M&e-se Asia & Aus Resume

  • Maintains an on-going awareness of new business activities and opportunities actively refers customers to appropriate sales personnel and line of business to ensure customers’ needs are being fulfilled
  • Manage sales team to ensure development of relationships with Real Estate Brokers, Developers, CPA's and other referral sources to obtain mortgage leads
  • Recruit, develop and manage quality sales team that generates quality loans compliant with company policies and procedures
  • Build trusted relationships with decision makers at the dealership; Dealer Principals, Controllers, and General Managers - Interface and interact with F&I Managers, Sales Managers and Parts and Service Managers
  • Uncover business development opportunities to propel company's growth
  • Travel to assigned dealers approximately 50% travel
  • Interface and interact with F&I Managers, Sales Managers and Parts and Service Managers
  • Reviews market analysis to determine customer needs, price schedules, and rates
7

Skills For Territory Field Sales Mgr Resume

  • Partners with sales team to coordinate, communicate, and monitor monthly price changes
  • Travel approximately 50% in the territory
  • 301 N NEIL ST FL 3 , CHAMPAIGN, IL 61820-3173 USA
  • 500 SOUTHLAND DR STE 210 , HOOVER, AL 35226-3701 USA
  • Act as a business escalation point to remove technical blockers via acting as executive sponsor to customer technical decision makers and can speak with the ‘voice of the customer’ to internal Microsoft stakeholders
  • Comprehensive knowledge of Dealership Finance and Insurance
  • Possess Life, Disability, Property and Casualty License
  • Proven knowledge and expertise with a variety of computer programs including operations software, the Microsoft Suite (Outlook, Excel, Word and PowerPoint) as well as customer relationship management programs
8

Skills For Area Sales Mgr Resume

  • A passion for developing, growing, and retaining people - Microsoft’s most important asset
  • Collaborative - engages others with the purpose of getting the best outcome and developing others
  • Deep knowledge (existing or ability to form) of competitors and teaming partners, client programs, political affairs
  • GE T&C’s working knowledge
  • Success oriented – willing to give extra effort and initiative
  • Personal Accountability - owns the district sales plan and is focused on engaging teams to achieve results
9

Skills For Ib Vmi Reg Ops / Sales Mgr Resume

  • Team builder – both with internal client service and pursuit teams as well as externally with teaming partners
  • $10MM in annual closed loan volume
  • Ales, business development or sales consultation in a sales environment
  • Listens well - is open to others’ input and suggestions
  • Strong sales and business background centered on software technologies with a background of selling in Healthcare (combined with deep coupled with a strong understanding of key industry solutions and competitive technologies
  • Sales & Marketing or related field or equivalent experience required
  • Demonstrated knowledge of Microsoft’s enterprise architecture
10

Skills For Area Sales Mgr-ice Cream Resume

  • Most all of the time is spent sitting in the same position or standing/walking or there is some requirement to lift or handle material or equipment of moderate weight (8-20 pounds)
  • Computer proficiency (email, work processing, operations, etc)
  • Sector, market, customer and competitor understanding - Expert
  • Sales Pricing Management - Mastery
  • LBM Performance management and planning for Sales - Mastery

List of Typical Responsibilities For a Sales Mgr Resume

1

Responsibilities For Segment Sales Mgr Resume

  • Collaborates with other departments, including but not limited to senior leadership, Clinic Operations, Quality, Legal, Finance, Marketing, IT and Project Management to ensure sales targets are met and strategic initiatives are implemented in region of responsibility
  • Fosters effective teaming relationships at local and regional levels
  • Demonstrated ability to lead and motivate sales and maintain a high level of morale and sales productivity
  • Develop and execute strategy for same store sales revenue growth leading to the additional sales of products in existing clients
  • Work with the District Leader and office business manager to develop sales and marketing budget component of annual operating budget and quarterly forecasts
  • Develop and execute a strategy for new relationship revenue growth leading to additional business·
  • Develop new accounts and service existing accounts
  • Identify potential challenges in meeting annual sales and budget goals and initiate actions as required to meet goals and performance standards
2

Responsibilities For Nat Sales Mgr-medical & HBC Resume

  • Customer relationship management - Expert
  • Product & services knowledge - Skilful
  • Attract the best technical sales people from the market, develop technical talent and work with individuals on career plans that expand the team’s technical sales skills as Microsoft transforms
  • Drive for in-depth knowledge of the industry’s IT technologies across all Tech Sellers, and be able to map relevant IT Technology Solutions to the industry’s and customers’ IT and Business maturity
  • Support the Tech Sales team’s efforts to develop skills that are deep on core technologies and broad on adjacent solutions. Encourage a team approach to complex opportunities that require cross-domain solutions
  • Acts as a trusted adviser to the District Leader, serving as part of the leadership team and contributing beyond sales focus
3

Responsibilities For UPG National Acct Senior Sales Mgr-virtual Resume

  • Provides leadership and takes ownership for the total sales process for the district under the general direction of the District Leader
  • Accountable for sales goals and performance, leads and fees, district win/loss, sales database, and client strategic assessments. Participates in client audits
  • Serve as a resource for client service leaders, department heads, project managers and others in the office seeking assistance with client relationships and specific pursuits
  • Supports strategy development for project pursuits across the District
  • Actively engage in client service team (CST) meetings to develop and ensure execution of sales strategies
  • Meet regularly with client service leaders, department heads and project managers to review implementation of client service plans and relationship plans
  • Facilitate the development of client lifecycle plans and external relationship plans
  • Conduct regularly scheduled sales meetings with client service leaders, department managers, and project managers to review newly identified opportunities
4

Responsibilities For District Sales Mgr Resume

  • Participate in all preliminary and final go/no-go assessments. Make recommendations to the district leader
  • Monitor the development and execution of pursuit win plans
  • Participate in war rooms for mega projects and other strategic projects
  • Assist pursuit champion and pursuit team as needed with execution of win plan
  • Communicate progress of win plan activities to office leader
  • Participate in proposal/presentation kickoff meetings to ensure that the right resources and plan is in place
  • Monitor schedule and response progress through communication with division marketing office. Alert office leader if action is needed to better focus resources on response
5

Responsibilities For Sales Mgr Specialized Products Resume

  • Participate in response preparation as required
  • Participate as needed in client audits
  • Conduct and/or participate in AAR to identify opportunities for improvement related to sales performance. Share results from AAR to improve future operational performance
  • Brand development experience, 5 years of sales and profit building in a management position
  • Appropriate license or certifications required by the state
6

Responsibilities For Area Sales Mgr, M&e-se Asia & Aus Resume

  • The ability to drive the company’s profitability through effectively balancing a distinctive customer offer with cost related to delivering the offer in the most efficient manner
  • Maintains a high level of professionalism and quality standards
  • Highly self-motivated and able to work independently with little direction
  • Broad based business knowledge
  • 7-Monitors /analyzes sales performance, and takes budget accountability for driving improvements in sales/revenue growth, sales productivity, sales quality and optimization of customer satisfaction
  • Referral network required
  • Manages expense budgets
7

Responsibilities For Territory Field Sales Mgr Resume

  • Reynolds, ADP, UCS)
  • Creates and participates in opportunities to serve as a public representative and image builder of Cox in the local community in order to network and develop Cox’s presence, e.g. promotes and/or attends non-profit events, serves as a member of the Chamber of Commerce and other local councils, becomes a member of the Ad Federation or American Marketing Association
  • Evaluates individual branch effectiveness by directing reviews of branch activity, including staffing, loans, deposits, overdrafts, charge-offs and audits. Collects, analyzes and monitors activity reports to plot trends, monitor efficiency, and track progress against profit and performance objectives. Proactively takes proper corrective action when necessary
  • Coordinates with other market leaders to create a culture of collaboration and cross-sell expectations with the market, regional and FMS leaders. Promotes a sales culture and ensures that team members receive proper training to understand and sell or cross-sell all bank products to reach individual and team sales goals. Provides or recommends training for branch team members on all bank products
  • Administers and directs the development and implementation of a successful, aggressive calling program that targets both existing and prospective customers for all bank products. Participates in joint customer, prospect, and COI calls, and provides coaching for top line performance. Ensures that branches have the tools and team member resources to meet goals
  • Provides leadership and guidance to branch managers and other supporting teams to properly execute banking policies at all branches. Ensures compliance with internal controls, operational procedures and risk management policies. Ensures that transactions and practices of direct reports and all team members within their span of control comply with all regulations
  • Provides credit proficiency and offers guidance, direction, and recommendations to retail team members on small business and consumer credit issues. Develops and is responsible for branch team members to emanate a level of credit competence that allows them to question clients' needs proficiently and present appropriate credit solutions that provide value contribution

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