Heidi Nicoll

• Employee of the month in region for November 2023
• Individual results for 2023: 209 loans with total volume of $1,737,540
• Reviewed loan applications and financial documents to determine customer eligibility for consumer loans.
• Analyzed credit reports, income statements, and other documents to assess risk and approve loan applications.
• Processed loan payments, updated records, and provided customer service assistance as needed.

• Promoted high customer satisfaction by resolving problems with knowledgeable and friendly service
• Negotiated contracts between buyers and sellers to reach agreement on price and terms of sales.
• Handled leases on behalf of owner, checked applicants credit, collected deposits and had leases signed by lessor.
• New Orleans Board of Realtors I earnedthe following awards:
• $2 million in sales 2003
• $3 million in sales 2004
• $2 million in sales 2005 - half year, Katrina hit
• Left after Hurricane Katrina for Atlanta GA

• Took over $3 million dollar branch and grew to $8 million after manager's death
• Cultivated and maintained customer relationships and business clients, including dentists, jewelers and home improvement dealers
• Supervised staff of 4 and conducted performance reviews to identify areas of improvement
• Promoted 4 assistant managers to managers in Louisiana, Kentucky, Ohio and Florida.
• Maintained delinquency under 2.5% overall
• Licensed insurance agent with insurance sales over $16,000 per year

• Advised clients on market trends and local real estate conditions, helping them make informed decisions.
• Developed marketing plans to promote properties for sale, including listing ads in newspapers and websites.
• Coordinated with appraisers, title companies, lenders, home inspectors and other third parties to ensure a successful closing process.

• Citifinancial 8/99-12/01
• Commercial Credit 10/93-7/99
• Bank of America 9/91-9/93
• Security Pacific 9/78-8/91
• American Finance 9/77-9/78

I was kept as manager in every merger as well as my staff.