Cedric Scarlett
Brampton,Ontario
Summary
Results-driven management professional adept at driving positive change and de-escalating situations using creative problem solving solutions. Possess key skills in customer service excellence, staff training, and inventory management. Successful in leading every facet of new and ongoing business operations. Strategic thinker and tactical decision-maker with passion for serving customers and exceeding expectations.
Overview
24
24
years of professional experience
Work History
Wireless Retail Store Manager
OSL
2019.04 - 2023.09
- 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)
2015.10 - 2018.09
- 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 Bank (formerly ING DIRECT)
2007.06 - 2015.04
- Worked with the senior underwriter to adjudicate a portfolio of mortgage and HELOC applications
- Negotiated loan terms and conditions with clients to maximize profitability.
- Effective utilization of external and internal resources to verify the authenticity of the prospective applicants credit history, employment, and subject property
- Ordered appraisals and completed extensive reviews to ensure the property adhered to the bank and/or insurer guidelines
- Oversee the completion of all conditions of financing including income verification, collection of all applicable documents, and issuing solicitor instructions
- Worked with the clients, processing teams, and other third parties to make sure all files met the lending criteria at least 10 days before closing
Customer Service - Telebanking
Tangerine Bank (formerly ING DIRECT)
1999.05 - 2007.06
- Engaged in conversation with customers to understand needs, resolve issues and answer product questions.
- Assisted customers with deposits, withdrawals, transfers, and other banking transactions, managing up to 140/calls per shift during peak season
- Adhered with the applicable anti-money laundering regulations and KYC requirements.
- Cross-sold bank products such as GIC's, lines of credits, and mortgages
- Coordinated with internal teams to ensure timely and successful delivery of solutions according to client needs.
- Promoted superior experience by addressing customer concerns, demonstrating empathy, and resolving problems swiftly.
Education
Advanced Diploma - Commerce And Business Administration
Seneca College of Applied Arts And Technology
North York, ON2004-04
Skills
- Detailed Oriented
- Able to plan and control workflow in a deadline driven environment
- Excellent written\oral communication skills
- Problem-Solving
- Calm Under Pressure
- Team Development
- Complaint Resolution
- Microsoft Office Suite
- Customer Service
Accomplishments
- Awarded most improved Manager while at OSL (Q2 2020) after taking on a low performing store and steadily driving our staff to meet and eventually exceed targets within 9 months
- Co-developed an incentive program for the banking associates while at Tangerine (formerly ING DIRECT) to drive cross sales and promote new products
References
References are available upon request
Timeline
Wireless Retail Store Manager
OSL
2019.04 - 2023.09
Residential Mortgage Underwriter
Ashley Park (Paradigm Quest)
2015.10 - 2018.09
Mortgage Account Manager
Tangerine Bank (formerly ING DIRECT)
2007.06 - 2015.04
Customer Service - Telebanking
Tangerine Bank (formerly ING DIRECT)
1999.05 - 2007.06
Advanced Diploma - Commerce And Business Administration
Seneca College of Applied Arts And Technology
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