Loumax Lorraine Monkoe
Manager
kathu,northern cape
Summary
Skilled Branch Manager with demonstrated success in coordinating team and financial activities. Friendly and adaptable professional with remarkable leadership and program management skills. Highly detail-oriented and professional branch manager successful at meeting and exceeding branch goals. Expertise in customer service relations and sales management. Strong leader and problem-solver dedicated to streamlining operations to decrease costs and promote organizational efficiency. Uses independent decision-making skills and sound judgment to positively impact company success. Hardworking and passionate job seeker with strong organizational skills eager to secure entry-level position. Ready to help team achieve company goals.
Overview
22
22
years of professional experience
3
3
Languages
Work History
Retail Branch Manager
furnmart stores
kathu
02.2019 - Current
- Created strategies to develop and expand existing customer sales, resulting in increase in annual sales.
- Interviewed and hired talented individuals with top-level strengths, improving organizational talent, and skill set.
- Engaged employees in business processes with positive motivational techniques.
- Enhanced branch production rates by handling staff conflicts, evaluations, hiring, and termination processes and coaching employees on company protocol and payroll operations.
- Assessed employee performance and developed improvement plans.
- Met deadlines by proactively managing individual and team tasks and streamlining processes.
- Maintained friendly and professional customer interactions.
- Examined customer loan applications for loan approvals and denials.
- Boosted sales and customer loyalty through incentive programs.
- Forecasted trends and recommended improvements based on financial risk analyses.
- Reviewed and edited loan agreements to enhance clarity and monitor compliance with requirements.
- Submitted loan applications to underwriter for verification and recommendation.
- Reduced process bottlenecks by training and coaching employees on practices, procedures, and performance strategies.
- Compiled database of loan applicants' credit histories, financial statements and other financial information.
- Complied with regulatory guidelines and requirements.
- Implemented service improvements to enhance sales cycle.
Regional Operations Manager
best electric stores
northern cape
09.2016 - 12.2018
- Renegotiated contracts with expiring accounts to continue relationships with current company clients.
- Communicated by phone, email and traveled for face to face contact for accounts.
- Kept detailed records of daily activities through online customer database.
- Attended monthly sales meetings and quarterly sales trainings.
- Contributed to event marketing, sales and brand promotion.
- Developed and maintained strong working relationships with professionals within assigned territory.
- Fielded customer complaints and facilitated negotiations, resolving issues and reaching mutual conclusions.
- Promoted conversion of casual shoppers into customers through product knowledge and product solutions to meet customer needs.
- Achieved or exceeded company-defined sales quotas.
- Presented professional image consistent with company's brand values.
- Gained customer trust and confidence by demonstrating compelling, persuasive and composed professional demeanor.
- Developed, maintained and utilized diverse client base.
- Met with customers to discuss and ascertain needs, tailor solutions and close deals.
- Monitored service after sale and implemented quick and effective problem resolutions.
- Recorded accurate and efficient records in customer database.
- Trained new employees on customer service, money handling and organizing strategies.
- Traveled to over 5 locations per week to manage each store and perform reviews of individual managers and employees.
- Introduced new methods, practices, and systems to reduce turnaround time.
- Handled problematic customers and clients to assist lower-level employees and maintain excellent customer service.
- Recruited, hired, and trained initial personnel, working to establish key internal functions and outline scope of positions for new organization.
- Managed purchasing, sales, marketing and customer account operations efficiently.
- Monitored daily cash discrepancies, inventory shrinkage and drive-off.
- Tracked employee attendance and punctuality, addressing repeat problems quickly to prevent long-term habits.
- Trained new employees on proper protocols and customer service standards.
- Assisted in recruiting, hiring and training of team members.
Credit Manager
ellerines stores
kuruman
02.2011 - 11.2014
- Oversaw reporting, documentation and recordkeeping requirements for department.
- Wrote and implemented standard operating procedures for credit personnel to achieve consistency in unit operations.
- Collaborated with management to evaluate credit strategies and develop improvements.
- Compiled data critical to analysis of annual bad debt.
- Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.
- Used firefox and to perform credit appraisals, document verification and loan approvals.
- Attended ongoing professional training to facilitate accurate and productive credit management.
- Monitored accounts for signs of fraud and non-payment issues.
- Performed semi-annual account credit limit reviews and credit increase review requests from financial service and sales teams.
- Maintained full knowledge of current regulatory environment and made proactive adjustments to meet changing requirements.
- Developed strategies to expedite payments and customer resolutions.
- Utilized deep understanding of industry best practices and legal requirements to prevent critical incidents.
- Reported key performance indicators to department heads for management of positive cash flow and to adjust credit risk policies and procedures.
- Reduced past due balances and bad debt by coordinating collection efforts with customer service, sales and billing departments.
- Work cross-functionally with sales, management and other departments to maintain effective operations.
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Negotiated settlements and payment terms with customers and delivered customized payment plans.
- Investigated and evaluated customers for creditworthiness and potential risk factors.
- Reviewed and analyzed loan procedures.
- Referred delinquent accounts to collections department or outside resources.
- Provided training and consulted with struggling teams to help meet monthly target goals.
Debt Collector
rome dairy
kimberley
01.2001 - 11.2006
- Used scripted conversation prompts to convey current account information and obtain payments.
- Worked in call center environment handling manual and automatically dialed outbound calls.
- Achieved performance goals on consistent basis.
- Delivered exceptional customer service on collection calls and maintained calm and professional demeanor.
- Analyzed customer financial records to determine appropriate payment plan.
- Located customers with overdue accounts and solicited payment in compliance with fair debt collection practices.
- Investigated customer credit references and approved credit lines.
- Listened to customers and negotiated solutions that met creditor and debtor needs.
- Processed debtor payments and updated accounts to reflect new balance.
- Identified and contacted customers with overdue accounts to address payment status.
Education
William Pescod School
Kimberley 01.2000 - 12.2000
Skills
Relationship building and management
Cash handling expertise
Familiar with account coding
Sales professional
Human resources knowledge
Bank security expert
Cash Handling
Product training
Staff Training
Team Player
Sales expertise
Documentation
Staff Management
Customer service awareness
Banking
Collections
Friendly
Goals and performance
road running
road runner for the past 5years
did well know running events like two oceans,cape town marathon and comrades maraton
why i enjoy running cause you run your own race with your own pace and it gives you all the joy along the road with the fresh air surrounding you
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Quote
It is never too late to be what you might have been.
George Eliot
Timeline
Retail Branch Manager
furnmart stores
02.2019 - Current
Regional Operations Manager
best electric stores
09.2016 - 12.2018
Credit Manager
ellerines stores
02.2011 - 11.2014
Debt Collector
rome dairy
01.2001 - 11.2006
William Pescod School
01.2000 - 12.2000