CARLOS M.

MEDEIROS
87 Chilson Ave. • Mansfield, MA 02048
carloseg47@yahoo.com • 508.406.1315

FINANCIAL SERVICES PROFILE

Account Management • Report Analysis • Sales & Service

Dedicated and skilled professional with extensive experience and in-depth knowledge of the Financial
Services industry. Dedicated and driven, with a proven track record of exceeding organizational goals
through exceptional interpersonal skills and account management. Unmatched professionalism and work
ethic, with a solid commitment to outstanding performance. Proficient in the use of Microsoft Word,
Excel, Transaction Express, Main Frame, RTS, FDI, PowerPoint, Outlook, DST and TA2000
CORE COMPETENCIES
• Relationship Management • Exceptional Performance • Industry Expertise

PROFESSIONAL EXPERIENCE
Citizens Corporation- Warwick, RI 5/2009- Present
Loan Serving Specialist

Responsible for maintenance of loans on a daily basis, including but not limited to entering and balancing
payment reversals, entering third party checks, and determining if customers should receive their car
titles, release of lien, or extensions on their loan. Additionally responsible for the management of
payment histories, loan payoffs, credit disputes, due date changes, prepping auto loans, subordinations,
short payoffs, and calculating and sending insurance rebates to customers. Interact daily with insurance
companies by communicating with account representatives to satisfy Citizens’ guidelines for the release
of title. Answer customers’ questions when they call the customer service line with questions or concerns.
Key Achievements:
 Obtained a 95% accuracy and production rate monthly

Bristol Property Management, Inc. – South Attleboro, MA 01/2008 – 12/2008

Assistant Superintendent
Responsible for managing each commercial account including security, buildings and grounds
maintenance and technical supervision. Balanced daily MBTA accounts receivable. Supervised
Bristol Property Management staff in Superintendents absence and served as primary contact for
hired grounds security. Reported daily assignment inventory to corporate office.
Key Achievements:
 Recognized for superior performance during semi-annual review

John Hancock Financial Services – Boston, MA 10/2006 – 12/2007

Account Specialist
Responsible for managing extremely high volume of accounts and general processing transactions on a
daily basis, including all cash related items, indexing, new account set-up, purchases, redemptions,
exchanges, systematic agreements and transfers. Worked closely with both internal and external
customers to ensure all transactions processed within department and SEC standards. Built and
maintained effective relationships with John Hancock registered representatives, clients and outside banks
& dealer firms.
Key Achievements:
 Consistently achieved 95% accuracy in all transactions processed
 Acknowledged for being the top producer in total cash items processed

M&M Painting – Stoughton, MA 2/2004 – 10/2006

Sales Representative/Co-Owner
Ensured company’s profitability by balancing sales and expense reports. Delivered customer proposals
through formal sales presentations, referencing detailed estimates. Calculated weekly payroll and proofed
monthly bank reconciliations. Prospected for new business through advertisement. Developed lasting
relationships with clients to obtain future business as well as referrals.
Key Achievements:
 Consistently achieved monthly sales goals while delivering the best-finished product
 Acknowledged for delivering superior service and improving employee efficiency

Berkshire Mortgage Finance – Boston, MA 12/2001 – 2/2004

Loan Servicing Analyst
Responsible for daily and monthly loan servicing functions on assigned Fannie Mae Portfolio. Prepared
timely investor reports and monthly bank reconciliations. Tracked monthly mortgage payments, as well as
payment of tax and insurance bills. Calculated escrow analysis, payoffs and set-up of new loans.
Worked closely with borrowers, insurance carriers and tax authorities on all loans.
Key Achievements:
 Achieved the highest level of customer service while taking on the largest Fannie Mae Portfolio

Relocation Resources International – Norwell, MA 5/2000 – 12/2001

Cash Analyst/Accounts Receivable Coordinator
Responsible for a wide variety of services including proofing monthly bank reconciliations to general
ledger, tracking all daily bank activity to verify transfers and applied daily cash transactions and
investigated unidentified cash. Verbally communicated, with transferees, settlement statement issues and
discrepancies. Also, Setup an Accounts Receivable Department with some manger help.
Key Achievements:
 Implemented a receivables department to collect over $100,000 in unaccounted revenue

EDUCATION
Bachelor of Science Degree, Concentrating in Finance
BRIDGEWATER STATE COLLEGE, Bridgewater, MA
Associates Degree in Business Administration
MASSASOIT COMMUNITY COLLEGE, Brockton, MA