Cedric Scarlett
Ajax,ON
Summary
Results-driven Retail Store Manager adept at enhancing productivity and streamlining operations for improved efficiency. Possess key skills in inventory management, customer service excellence, and staff training. Excel in leadership, communication, and problem-solving to elevate store performance and achieve sales goals.
Overview
24
24
years of professional experience
Work History
Wireless Retail Store Manager
OSL
Mississauga, Ontario
04.2019 - 09.2023
- Recruited, trained and developed high performing sales team members to build strong rapport and identify sales opportunities with customers
- Acted as a role model by delivering exceptional customer experiences and working to resolve all escalations in a professional manner
- Provided ongoing feedback and coaching to develop winning sales strategies and shape the overall performance of the sales team
- Monitored store profitability by overseeing all daily metrics including inventory management, sales, and cash flow reporting and used the data to maximize efficiency
- Showcased and built visually appealing displays and signs to encourage customers to buy specific products.
Residential Mortgage Underwriter
Ashley Park (Paradigm Quest)
Toronto, Ontario
10.2015 - 09.2018
- managed a portfolio of broker generated mortgage files and offered financing through multiple lenders
- Developed relationships with external partners and stakeholders including brokers, credit unions, and private lenders.
- Identified potential issues related to title, appraisals, insurance coverage.
- Assessed risk levels associated with each loan application based on established criteria.
- Collaborated with loan originators and processors to correctly review and assess applications and risks.
- Prepared recommendations for senior management for loans which exceeded my approval authority
- Worked in a fast paced environment to provide timely and accurate credit decisions adhering to the defined SLA
- Completed pre-funding audits for files fulfilled by my credit administrator
Mortgage Account Manager
Tangerine (formerly ING DIRECT)
Toronto, Ontario
05.1999 - 06.2015
- Worked with the senior underwriter to adjudicate our portfolio of mortgage and HELOC applications
- Effective utilization of external and internal resources to verify the authenticity of the prospective applicants credit history, employment, and subject property
- Ordered the appraisal and reviewed it to ensure the property adhered to our set guidelines
- Worked with funding to make sure the file met all lending criteria 10 days before closing
- Oversee the completion of all financing conditions upon conditional approval including income verification, re-working and seeking approval based discrepancies, and issuing solicitor instructions
- Worked directly with the borrower to obtain the necessary documents in a timely manner while providing a pleasant customer experience and guiding them along the way
Education
Some College (No Degree) - Commerce And Business Administration
Seneca College of Applied Arts And Technology
North York, ONSkills
- Detailed Oriented
- Able to plan and control workflow in a deadline drive environment
- Excellent written and oral communication skills
- Extensive knowledge of credit reports and lending criteria
- Problem-Solving
- Calm Under Pressure
- Team Development
- MS Office
Affiliations
- Urban garden enthusiast
- Real estate investor
Accomplishments
- Co-developed an incentive program for the banking associates while at Tangerine (formerly ING DIRECT) to drive cross sales and promote new products
- Awarded most improved Manager while at OSL Q2 2020 after taking on a low performing store and steadily driving our staff to exceed targets within 9 months
Timeline
Wireless Retail Store Manager
OSL
04.2019 - 09.2023
Residential Mortgage Underwriter
Ashley Park (Paradigm Quest)
10.2015 - 09.2018
Mortgage Account Manager
Tangerine (formerly ING DIRECT)
05.1999 - 06.2015
Some College (No Degree) - Commerce And Business Administration
Seneca College of Applied Arts And Technology
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