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PROFESSIONAL EXPERIENCE
PRESIDENT 2007 MANUFACTURING CORPORATION… ERASED MA
President of a Food and Beverage manufacturing company that specializes in vitamin fortified teas and juices. It is an emerging leader in the food and beverage industry.
Notable Accomplishments:
•Oversaw that manufacturing and production are completely in compliant with government regulations
•Conducted new business development activities as a way to promote the company’s products and services and build a relationship within the community and consumers
•Developed New product ideas for future trends and healthy consumptions to satisfy customer wants and needs
•Generally responsible for all aspects of marketing, Advertising and sales of company products
•Enhanced business infrastructure resulting in improved performance and cost reduction

ACCOUNT MANAGER/CONTROLLER 2005-2007 BANK CORPORATION…
Account controller of the leading provider of financial services to institutional investors. Their investment services include and not limited to research, investment management, trading services and investment servicing.
Notable Accomplishments:
•Responsible for ensuring full compliance of divisional daily core operation standards, operational and client-specific procedures
•Monitored amount of income and post daily expense accruals based on client direction
•Calculated cash availability accurately to meet performance standards for limited complexity portfolios
•Work with fixed income and hedge funds
•Participated on a team responsible for merging multi-million dollar, complex companies. Project was transparent to customers with un-interrupted service
•Maintain daily/monthly supporting documentation for all outstanding items and records required for fund audits
•Calculate Net Asset Value per share
•Maintained heavy load of accounts; kept each account balanced and ready for daily investments

PERSONAL BANKER 2002-2005 FINANCIAL GROUP….
Banker for a $167 Billion commercial bank holding company. One of the 10 largest Commercial banking companies in the United States. Owned by the Royal Bank of Scotland.
Notable Accomplishments:
•Opened new business and personal account
•Prospected for new business and personal clients with high net worth’s
• Responsible for closing loans approved by the loan officer
•Involved in setting up the new banking branches in the city

EDUCATION

erased College … Business Administration Management conc, Minor in Marketing

MEDIA RELATIONS, APPERANACE AND RECOGNITIONS

THE LYNN ITEM: (HEADLINE) ….erased…… Launches Manufacturing Company
BEVNET.COM: (HEADLINE) …………………………………….erased…….. super-premium line for today’s health-conscious consumer… YEARS ERASED

Letter of recognition From Massachusetts State Senator,:

1. Way to long – it needs to one page.
2. 1st paragraph is full of wordy jargon – get rid of it.
3. Tailor your resume for the company that you are sending it to. What kind of experience do you have that they looking for? If they are are a marketing company say what kind of sales and leadership you actually performed instead of saying “sales and leadership”.
4. Limit the banking job to one or two lines since the banking job isn’t pertinent to the sales and marketing job.

Hope this helps

I am interested in learning to use wordpress and was wondering if socrates wp theme was a great new theme for building sites?

Also there is a course for online marketing that I am thinking of taking and purchasing, it is called Commission Blueprint 2.0, there are so many reviews online about it that I have just become confused. Can anyone help me?

2) Which of the following items would appear on a balance sheet?
Notes Payable
Dividends
Expenses
Revenues

3) A stockholder in a corporation would use ___ to learn about the company.
A) financial accounting information
D) both A and C
C) not-for-profit accounting information
B) managerial accounting information

4) If a company’s expenses are greater than its revenues for the year,
the company’s stockholders’ equity must have decreased during the period.
the company’s liabilities must have increased.
the company incurred a net loss during the period.
its assets increased during the period.

5) A company’s retained earnings at the beginning and ending of the accounting period were $48,000 and $55,000, respectively. If the company had revenues of $61,000 and expenses of $50,000, the amount of cash dividends paid must have been
$4,000.
$2,000.
$3,000.
$9,000.

6) An asset decrease resulting from consumption of resources to earn revenue is
a net loss.
an expense.
a liability.
an asset source transaction.

7) Ohio Company provided services to a customer for $1,700 cash. As a result of this event,
retained earnings increased.
total assets decreased.
cash flows from financing activities increased.
total liabilities increased.

Wayne Company purchased equipment for $45,000 cash. As a result of this event, Wayne had a
$45,000 cash inflow from financing activities.
$45,000 cash outflow from financing activities.
$45,000 cash outflow from operating activities.
$45,000 cash outflow from investing activities.

9) Which of the following items would be an example of revenue?
cash received from customers for services provided
all of these
cash received from a bank loan
cash investments made by owners

10) In 1998, Parker Corporation purchased land for $130,000. In 2010, Parker Company had the land appraised, and its value was estimated to be $190,000. Also during 2010, another company offered Parker $145,000 for the parcel of land. When the balance sheet is prepared at the end of 2010, at what dollar amount should the land be reported?
$145,000
None of these
$190,000
$130,000

11) During 2010, Cruz Company earned $5,000 in cash revenue, incurred $3,200 in cash expenses, and paid $500 in cash dividends to its owners. Based on this information,
retained earnings increased by $1,300 during the year.
the net cash flow from operating activities was $1,300 for the year.
total assets increased by $1,800 during 2010.
net income was $1,300 for 2010.

10 points for the best answer!!!!

1) Hanks Corporation acquired $150,000 cash by issuing common stock to investors. As a result of this event,
B) assets increased

2) Which of the following items would appear on a balance sheet?
Notes Payable

3) A stockholder in a corporation would use ___ to learn about the company.
A) financial accounting information

4) If a company’s expenses are greater than its revenues for the year,
the company incurred a net loss during the period.

5) A company’s retained earnings at the beginning and ending of the accounting period were $48,000 and $55,000, respectively. If the company had revenues of $61,000 and expenses of $50,000, the amount of cash dividends paid must have been
$4,000.

6) An asset decrease resulting from consumption of resources to earn revenue is
an expense.

7) Ohio Company provided services to a customer for $1,700 cash. As a result of this event,
retained earnings increased.

Wayne Company purchased equipment for $45,000 cash. As a result of this event, Wayne had a
$45,000 cash outflow from investing activities.

9) Which of the following items would be an example of revenue?
cash received from customers for services provided

10) In 1998, Parker Corporation purchased land for $130,000. In 2010, Parker Company had the land appraised, and its value was estimated to be $190,000. Also during 2010, another company offered Parker $145,000 for the parcel of land. When the balance sheet is prepared at the end of 2010, at what dollar amount should the land be reported?
$190,000

11) During 2010, Cruz Company earned $5,000 in cash revenue, incurred $3,200 in cash expenses, and paid $500 in cash dividends to its owners. Based on this information,
retained earnings increased by $1,300 during the year.

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However and much to both our surprise underwriting denied the loan and stated they would send a letter stating the reason why in 10 days–it actually was more like 30. I received the letter recently WITH MY NAME ON IT and it stated the reason for denial was due "past or delinquient payment." As I had NO late payments on ANY accounts with all three bureaus I called WF Finance for an explanation. I was transferred to a manager who told me the reason for the denial was due to my cousin having one 30 day late payment two years ago and because her score was low due to her limited credit and mine was so high "they could not approve the loan due to the amount disparity in the score range and the weight of the score falls on the primary payer" HUH?? Well what the heck is the purpose of having a co-signer if the bank won’t approve a loan for $10800 with the backing of someone who has multiples of the loan amount in THEIR bank in various accounts? They denied the loan because she had a low score and I had a high one. Does this make sense to anyone??

I work in credit card underwriting. If she has a limited file with a delinquency it will weight more heavily as there are no other "good" loans to outweigh that delinquency showing that she can pay on time. The letter should have clearly stated that it was her delinquency that was preventing the loan, not yours. Even if she has the incoming cash to back up the loan her fico may have just been too low. It’s called a shallow credit file (limited credit references). Over time her score will improve as long as she can acquire some credit. With that being said, lending seems to be more judgemental now that banks have experienced monumental losses over the past year and a half. Your good credit should have helped her ability to get a loan, but it will not supercede her credit file if her credit score is just too low to approve. It sounds like they were very unclear in the adverse action letter, and I am surprised a two year old delinquency would prevent her from getting a car loan. She should get a copy of her credit report (it is free anytime you are denied credit) so she knows what her score is. The difference in your credit scores should not have had anything to do with the decline reason. Hope this helps to better understand the situation.

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