Lead team of 15 employees in all operations including sales, service, underwriting, and marketing functions. Collaborated with staff to maximize customer satisfaction, streamline procedures and improve bottom-line profitability Analyze and render credit decisions based on financial health, FICO, debt-to-income ratios, past performance, and clients general capacity. Executed business strategies to boost revenue and penetrate new markets through out the South East. Identified client business and operational needs and introduced services to provide solutions. Established departmental performance goals, set timeline targets for sales team and trained new employees. Set and administered annual operating budget, consistently maintaining controls and preventing overages.

Conducts performance reviews and determines professional development needs and opportunities for staff Assessed and identified changes in all aspects of contractors business including work program, financial strength, nature of work performed, timelines, and exposure analyse. Made responsible credit limit decisions with in delegation of authority granted by carriers. Developed budget expense ratio's bringing the agency cash flow positive within 12 months. Generated a high volume of new accounts by implementing effective networking and content marketing strategies. Represented Agency at Industry Events. Effectively grew overall territory increasing sales 70% in the first year. Manage and mentor entire team including sales, marketing, operations, and support. Negotiate contracts and commissions with sureties to secure highest In the industry pay outs.

Managed and produced 42% of total agency revenue ( The Bond Dept.) Provided excellent customer service, documentatio, and exceeded sales goals every month. Interviewed bond applicants, conducted thorough financial analysis to determine credit worthiness for bonding program. Reviewed contracts and helped general contractors qualify sub-contractors. Appointed power of attorney for Surety Carriers and granted in-house underwriting authority. Represnted clients / sureties at Federal & State HUD closings.

Opened new customer accounts, including checking, savings and lines of credit. Interviewed applicants for consumer loans, mortgage, and refinancing. Completed loan closings for applicant and managed entire pipeline of branch loan accounts. Opened/closed branch in absence of branch manager and acted as back up teller when needed. Represented bank in trade functions and led marketing/ sales initiatives.