Josephine Cvitanovic

• Coached students on English pronunciation and intonation for eloquent conversation.
• Encouraged students to deepen knowledge with additional learning opportunities.
• Employed variety of assessment tools and strategies to improve instruction methods.
• Conducted group lectures and small-group instruction to teach and reinforce concepts.
• Conducted individualized tutoring sessions for students with additional learning needs.
• Facilitated class discussion to help students work through questions and expand understanding.
• Gave one-on-one attention to each student while maintaining overall focus on entire group.
• Created and delivered engaging lesson plans to accommodate different learning styles.
• Personalized instruction based on needs, interests and capabilities of individual students.
• Educated students in basics of English grammar and conversational speaking.
• Facilitated small group and individual instruction to maximize student learning.

• Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records, and current financial status.
• Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
• Created and implemented underwriting procedures and strategies to accurately and efficiently process loan applications.
• Reviewed appraisals and title documents to verify accuracy and completeness.
• Trained junior team members in underwriting procedures and loan quality grading standards.
• Evaluated performance of less experienced underwriters and helped improve overall work quality by implementing improvement plans.
• Reviewed team underwriting decisions to identify incorrect actions and reverse previous decisions when merited.
• Worked with processing team members to communicate errors and obtain missing information for current applications.

• Compiled and analyzed data to determine approaches to improve sales and performance.
• Developed and cultivated lucrative relationships with both new and existing clients through effective communication and exemplary interpersonal skills.
• Demonstrated products to show potential customers benefits and advantages and encourage purchases.
• Participated in staff meetings to discuss innovative strategies to improve services.
• Maintained knowledge on banking products and distribution to provide optimal service support.
• Created and maintained databases to track customer discussions and preferences for accurate, updated records.
• Communicated regularly with clients to understand needs, evaluate current product use and cross-sell new products.
• Organized promotional events and interacted with community to increase sales volume.
• Resolved problems with high-profile customers to maintain relationships and increase return customer base.
• Built relationships with customers and community to establish long-term business growth.
• Engaged in product training, demonstrations, consumer awareness, branding, and acquisition initiatives to raise awareness and revenues.
• Built and maintained relationships with new and existing clients while providing high level of expertise.
• Responded to customer inquiries and resolved complaints to establish trust and increase satisfaction.
• Managed accounts to retain existing relationships and grow share of business.
• Achieved goals for sale of bank products and services and exceeded performance metrics for customer service.
• Exceeded sales quotas and increased profitability through effective sales strategy and business planning.
• Collaborated with upper management to implement continuous improvements and exceed team goals.
• Directed sales support staff in administrative tasks to help sales reps close deals.
• Analyzed customer data to identify areas of improvement and maximize customer satisfaction.
• Held one-on-one meetings with sales team members to identify selling hurdles and offered insight into best remedy.
• Facilitated workshops and seminars to educate customers on product features and benefits.
• Achieved sales goals and service targets by cultivating and securing new customer relationships.
• Delivered recommendations to long-term accounts to promote brand awareness to key audience.

Planned and directed staff training and performance evaluations.

• Recruited, interviewed and hired individuals adding value, dedication and knowledge to sales team.
• Conducted team meetings to reinforce goals and objectives and set clear expectations about policies and procedures.
• Coached employees in successful selling methods and encouraged cross-selling to drive revenue.
• Maintained ethical and positive working environment to reduce turnover and promote high retention rates.
• Met with clients, delivering presentations, and educating on product and service features and offerings.
• Resolved customer issues quickly to close deals and boost client satisfaction.
• Coached and counseled sales personnel, assisting with individual selling efforts and helping sales representatives reach targets.
• Handled customer relations issues, enabling quick resolution, and client satisfaction.
• Evaluated performance against goals and implemented appropriate development plans.
• Complied with established internal controls and policies.
• Examined customer loan applications for loan approvals and denials.
• Maintained confidentiality of bank records and client information to prevent mishandling of data and potential breaches.
• Reviewed and edited loan agreements to enhance clarity and monitor compliance with requirements.
• Reduced process bottlenecks by training and coaching employees on practices, procedures, and performance strategies.
• Complied with regulatory guidelines and requirements.
• Assessed employee performance and developed improvement plans.
• Maintained friendly and professional customer interactions.

Developed and cultivated lucrative relationships with both new and existing clients through effective communication and exemplary interpersonal skills.

• Demonstrated products to show potential customers benefits and advantages and encourage purchases.
• Participated in staff meetings to discuss innovative strategies to improve services.
• Maintained knowledge on banking products and distribution to provide optimal service support.
• Created and maintained databases to track customer discussions and preferences for accurate, updated records.
• Communicated regularly with clients to understand needs, evaluate current product use and cross-sell new products.
• Organized promotional events and interacted with community to increase sales volume.
• Resolved problems with high-profile customers to maintain relationships and increase return customer base.
• Built relationships with customers and community to establish long-term business growth.
• Built and maintained relationships with new and existing clients while providing high level of expertise.
• Responded to customer inquiries and resolved complaints to establish trust and increase satisfaction.
• Managed accounts to retain existing relationships and grow share of business.
• Achieved goals for sale of bank products and services and exceeded performance metrics for customer service.
• Exceeded sales quotas and increased profitability through effective sales strategy and business planning.
• Collaborated with upper management to implement continuous improvements and exceed team goals.
• Directed sales support staff in administrative tasks to help sales reps close deals.
• Analyzed customer data to identify areas of improvement and maximize customer satisfaction.
• Held one-on-one meetings with sales team members to identify selling hurdles and offered insight into best remedy.
• Achieved sales goals and service targets by cultivating and securing new customer relationships.