Olivia Harris
Summary
Driven Credit Analyst and previous Finance Broker, Lead Sales Associate with proven success in leadership roles and extensive knowledge of product sales, personal and vehicle finance, as well as the credit and corporate industry. Committed to exceeding goals, working closely with coworkers and closing sales quickly. Expertise in various sales tactics and negotiations.
Overview
5
5
years of professional experience
Work History
Account Manager
Veraspec
04.2023 - Current
- Increased client satisfaction by building strong relationships and addressing their needs promptly.
- Managed a diverse portfolio of accounts, ensuring timely communication and effective problem resolution.
- Developed customized account plans for clients to help them achieve their business goals.
- Collaborated with sales team to identify potential upsell opportunities and expand client base.
- Maintained high client retention rate by providing exceptional customer service and anticipating client needs.
- Streamlined internal processes for better efficiency in account management tasks.
- Negotiated contract terms with clients, securing favourable agreements for both parties.
- Implemented strategies to increase revenue from existing accounts through upselling and cross-selling initiatives.
- Improved overall team productivity by implementing best practices in organization and time management.
- Increased sales revenue by identifying and pursuing new business opportunities.
- Developed and maintained long-term relationships with key clients for sustained growth.
- Achieved higher client satisfaction ratings through consistent communication and problem resolution.
- Implemented effective sales strategies to expand market share within the assigned territory.
- Utilized strong analytical skills to track sales performance, making adjustments as needed to meet targets.
- Managed a diverse portfolio of accounts, ensuring each client received personalized attention and support.
- Enhanced brand visibility through strategic participation in marketing campaigns and promotional initiatives.
- Created proposals for new and repeat customer business transactions.
- Worked diligently to resolve unique and recurring complaints, promoting loyalty, and enhancing operations.
- Anticipated clients' needs by staying in touch on regular basis.
- Maintained high standards of customer service by answering pricing, availability, use and credit questions accurately.
- Negotiated prices, terms of sale and service agreements.
Credit Analyst
Money3
01.2023 - Current
- Assessed credit risk and analyzed financial statements.
- Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
- Made decisions and recommendations about extending lines of credit.
- Conducted financial review of customer lines of credit by assessing company financials and initiating credit application reviews.
- Placed customer accounts on hold due to past due payments.
- Contacted customers and requested financial documentation.
- Complied with internal controls and government regulations.
- Improved understanding of financial statements, which helped in assessing risk.
- Gathered loan documentation for underwriting.
- Reviewed customer files on regular basis to make sure receivables were in sound condition.
- Determined and documented loan conditions and communicated requirements and decisions.
- Analyzed credit, income, compliance, title documents and appraisals during underwriting process.
- Evaluated debt ratio, loan-to-value ratios, credit scores property valuations and various other factors when making underwriting decisions.
- Followed through with borrowers, loan processors, loan originators and managed all phases of underwriting process.
- Monitored underwriting teams' performance and provided mentoring to achieve personal and department production goals.
- Increased sales by offering advice on purchases and promoting additional products.
- Reached out to customers after completed sales to evaluate satisfaction and determine immediate service requirements.
- Met with existing customers and prospects to discuss business needs and recommend optimal solutions.
Senior Sales Associate
Zing
07.2022 - 01.2023
- Met or exceeded sales objectives on consistent basis to drive company growth.
- Trained new sales personnel on company policies, customer acquisition strategies and successful sales techniques.
- Generated sales leads and cold called potential customers.
- Maintained comprehensive knowledge of industry-related goods and services such as pop culture merchandise, customer service and sales.
- Worked closely with other departments to understand full scope of available offerings and provide top-notch salesmanship to customers.
- Kept detailed track of sales and customer information in company system.
- Promoted brand awareness and utilized took advantage of network connections to increase brand development.
- Streamlined team sales processes increase productivity and decrease closing time.
- Reported sales data to upper management for review.
- Championed company products and increased quarterly revenue.
- Sold over $110,000 in store product during third quarter of 2022.
- Implemented new marketing initiatives to drive sales and improve overall performance.
- Greeted customers and helped with product questions, selections and purchases.
- Helped customers complete purchases, locate items and join reward programs.
- Checked pricing, scanned items, applied discounts and printed receipts to ring up customers.
- Maintained clean sales floor and straightened and faced merchandise.
- Stocked merchandise, clearly labelling items, and arranging according to size or colour.
- Monitored sales floor and merchandise displays for presentable condition, taking corrective action such as restocking or reorganizing products.
- Organized store merchandise racks and displays to promote and maintain visually appealing environments.
- Offered each customer top-notch, personal service to boost sales and customer satisfaction.
- Answered questions about store policies and addressed customer concerns.
- Used POS system to process sales, returns, online orders and gift card activations.
- Informed customers of current store promotions to encourage additional sales purchases.
- Balanced and organized cash register by handling cash, counting change and storing coupons.
- Issued receipts and processed refunds, credits or exchanges.
- Volunteered for extra shifts during holidays and other busy periods to alleviate staffing shortages.
- Worked closely with shift manager to solve problems and handle customer concerns.
Finance Broker
Money Direct Finance
07.2019 - 05.2022
- Collaborated with clients to maintain relationships and provide customers with thorough support and guidance.
- Worked with clients to develop financial planning strategies and solutions through evaluation of finances.
- Developed and maintained strong knowledge of multiple products and varying levels of benefits within each product.
- Discussed financial options with clients and provided informed suggestions.
- Responded to customer questions and concerns or escalated to supervisor for resolution.
- Identified customer financial service needs to prepare proposals and sell services.
- Built and deepened productive relationships with prospective and competitive customers to drive sustained growth.
- Met with clients to determine financial objectives and review assets, liabilities, cash flow and other financial information.
- Maintained regular contact with clients to inform about transactions and performance.
- Assessed credit risk and analyzed financial statements.
- Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
- Made decisions and recommendations about extending lines of credit.
- Conducted financial review of customer lines of credit by assessing company financials and initiating credit application reviews.
- Performed credit reviews on corporations to assess financial conditions.
- Answered multi-line phone system, routing calls, delivering messages to staff and greeting visitors.
- Executed record filing system to improve document organization and management.
- Scheduled office meetings and client appointments for staff teams.
- Interacted with vendors, contractors and professional services personnel to receive orders, direct activities and communicate instructions.
- Generated reports and typed letters in Word and prepared PowerPoint presentations.
- Handled client correspondence and tracked records to foster office efficiency.
- Kept up-to-date on case progress by frequently reviewing records and reporting findings to clients.
- Answered telephone and coordinated meetings and conferences.
- Handled complex scheduling for appointments, court appearances and depositions for busy litigation firm.
- Provided key administrative assistance to senior management.
- Managed practical action plans to respond to audit discoveries and compliance violations.
- Liaised with risk management, internal audit and employee services departments to direct compliance issues to appropriate channels for investigation and resolution.
- Implemented improvement initiatives and developed compliance testing program to monitor and identify gaps in new and existing practices.
- Identified potential areas of compliance vulnerability and risk to develop and implement corrective action plans.
- Gathered, organized and evaluated data to make accurate assessments of current operations.
- Obtained consumer application information & handling of sensitive information in accord with the Privacy Act
- Assessed applications to provide credit assistance
- Extensive knowledge regarding industry regulations (NCCP Act, Privacy Act, Responsible Lending Guide 209)
- Extensive knowledge of credit application process
- Submitted applications across a select panel of 40 lenders dependant on profile
- Extensive knowledge of vehicle insurance products
- Handled between 25-40 active applications on a daily basis
- Assisting in vehicle purchase
- Extensive knowledge of lender product guides
- Negotiated purchase prices and explained sales, warranty and optional products.
- Demonstrated automobiles by explaining characteristics, capabilities and features, taking test drives and explaining warranties and services.
- Followed-up on warm Internet leads and responded to customer questions about vehicle availability, price and options while fielding inquiries from various marketing websites.
Education
High School Diploma -
Aquinas Catholic College
Gold Coast11.2017
Skills
- Merchandising and Display
- Staff Training
- Retail Metrics and Goals
- Solution Optimization
- Exceptional Communicator
- Building Customer Relationships and Loyalty
- Legal Standards
- Customer Transactions
- Client Needs Assessment
- Item Scanning
- Staff Supervision
- Exceeding Customer Expectations
- Customer Service
- Security Practices
- Pricing and Labeling
- Time Management
- Persuasive Negotiations
- Locating Merchandise
- Customer Queries
- Teamwork and Collaboration
- Special Assignments
- Inventory and Stocking
- Shipping and Receiving
- Escalation Management
- Engaging with Diverse Customers
- Flexible Hours
- Account Management
- Computer Proficiency and Microsoft Office
- Excellent Written and Verbal Communication
- Sales Presentation
- Team Leadership
- MS Office Applications
- POS System Operations
- Adaptable and Flexible
- Building Customer Loyalty
- Financial Advisement
- Commercial Lending
- Loan Terms
- Client Rapport-Building
- Staff Assignments
Languages
English
Native or Bilingual
French
Professional Working
Timeline
Account Manager
Veraspec
04.2023 - Current
Credit Analyst
Money3
01.2023 - Current
Senior Sales Associate
Zing
07.2022 - 01.2023
Finance Broker
Money Direct Finance
07.2019 - 05.2022
High School Diploma -
Aquinas Catholic College
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