George LaFleur has over 20 years of experience in credit analysis, underwriting, lending, and sales. He has held positions such as credit analyst, underwriter, loan officer, and sales director. LaFleur has strong skills in areas like credit risk assessment, financial statement analysis, underwriting, and customer service. He is proficient in various computer systems and applications related to banking, lending, and accounting. LaFleur aims to utilize his extensive experience and skills in credit analysis and lending to contribute value for a new employer.
BYD SWOT Analysis and In-Depth Insights 2024.pptxmikemetalprod
Indepth analysis of the BYD 2024
BYD (Build Your Dreams) is a Chinese automaker and battery manufacturer that has snowballed over the past two decades to become a significant player in electric vehicles and global clean energy technology.
This SWOT analysis examines BYD's strengths, weaknesses, opportunities, and threats as it competes in the fast-changing automotive and energy storage industries.
Founded in 1995 and headquartered in Shenzhen, BYD started as a battery company before expanding into automobiles in the early 2000s.
Initially manufacturing gasoline-powered vehicles, BYD focused on plug-in hybrid and fully electric vehicles, leveraging its expertise in battery technology.
Today, BYD is the world’s largest electric vehicle manufacturer, delivering over 1.2 million electric cars globally. The company also produces electric buses, trucks, forklifts, and rail transit.
On the energy side, BYD is a major supplier of rechargeable batteries for cell phones, laptops, electric vehicles, and energy storage systems.
how can I sell pi coins after successfully completing KYCDOT TECH
Pi coins is not launched yet in any exchange 💱 this means it's not swappable, the current pi displaying on coin market cap is the iou version of pi. And you can learn all about that on my previous post.
RIGHT NOW THE ONLY WAY you can sell pi coins is through verified pi merchants. A pi merchant is someone who buys pi coins and resell them to exchanges and crypto whales. Looking forward to hold massive quantities of pi coins before the mainnet launch.
This is because pi network is not doing any pre-sale or ico offerings, the only way to get my coins is from buying from miners. So a merchant facilitates the transactions between the miners and these exchanges holding pi.
I and my friends has sold more than 6000 pi coins successfully with this method. I will be happy to share the contact of my personal pi merchant. The one i trade with, if you have your own merchant you can trade with them. For those who are new.
Message: @Pi_vendor_247 on telegram.
I wouldn't advise you selling all percentage of the pi coins. Leave at least a before so its a win win during open mainnet. Have a nice day pioneers ♥️
#kyc #mainnet #picoins #pi #sellpi #piwallet
#pinetwork
The European Unemployment Puzzle: implications from population agingGRAPE
We study the link between the evolving age structure of the working population and unemployment. We build a large new Keynesian OLG model with a realistic age structure, labor market frictions, sticky prices, and aggregate shocks. Once calibrated to the European economy, we quantify the extent to which demographic changes over the last three decades have contributed to the decline of the unemployment rate. Our findings yield important implications for the future evolution of unemployment given the anticipated further aging of the working population in Europe. We also quantify the implications for optimal monetary policy: lowering inflation volatility becomes less costly in terms of GDP and unemployment volatility, which hints that optimal monetary policy may be more hawkish in an aging society. Finally, our results also propose a partial reversal of the European-US unemployment puzzle due to the fact that the share of young workers is expected to remain robust in the US.
2. Elemental Economics - Mineral demand.pdfNeal Brewster
After this second you should be able to: Explain the main determinants of demand for any mineral product, and their relative importance; recognise and explain how demand for any product is likely to change with economic activity; recognise and explain the roles of technology and relative prices in influencing demand; be able to explain the differences between the rates of growth of demand for different products.
when will pi network coin be available on crypto exchange.DOT TECH
There is no set date for when Pi coins will enter the market.
However, the developers are working hard to get them released as soon as possible.
Once they are available, users will be able to exchange other cryptocurrencies for Pi coins on designated exchanges.
But for now the only way to sell your pi coins is through verified pi vendor.
Here is the telegram contact of my personal pi vendor
@Pi_vendor_247
Seminar: Gender Board Diversity through Ownership NetworksGRAPE
Seminar on gender diversity spillovers through ownership networks at FAME|GRAPE. Presenting novel research. Studies in economics and management using econometrics methods.
The secret way to sell pi coins effortlessly.DOT TECH
Well as we all know pi isn't launched yet. But you can still sell your pi coins effortlessly because some whales in China are interested in holding massive pi coins. And they are willing to pay good money for it. If you are interested in selling I will leave a contact for you. Just telegram this number below. I sold about 3000 pi coins to him and he paid me immediately.
Telegram: @Pi_vendor_247
How Does CRISIL Evaluate Lenders in India for Credit RatingsShaheen Kumar
CRISIL evaluates lenders in India by analyzing financial performance, loan portfolio quality, risk management practices, capital adequacy, market position, and adherence to regulatory requirements. This comprehensive assessment ensures a thorough evaluation of creditworthiness and financial strength. Each criterion is meticulously examined to provide credible and reliable ratings.
where can I find a legit pi merchant onlineDOT TECH
Yes. This is very easy what you need is a recommendation from someone who has successfully traded pi coins before with a merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi network coins and resell them to Investors looking forward to hold thousands of pi coins before the open mainnet.
I will leave the telegram contact of my personal pi merchant to trade with
@Pi_vendor_247
1. George LaFleur
GBLaFleur@gmail.com (214) 629-1299 https://www.linkedin.com/in/georgeblafleur
Credit Analyst Underwriter Lender
Skills:
Credit Risk Assessment, Credit Analysis, Financial Statement Analysis, Underwriting, Loan Origination, Data
Analysis, Dependable, Detail Oriented, Multi-tasking, Accomplish Objectives, Goal Oriented, Strong Verbal and
Written Communicator, Advances with Knowledge Quickly, GAAP, Transaction Posting and Recording, Account
Reconciliation, Accuracy, Independent Worker or Team Player, Excellent Customer Service.
Computer Skills: Excel, Word, Outlook, AdvantEdge, StatusMart, Lotus Notes, Pegasus, Emerald, Visual Banker,
HOST, ADP, Reynolds & Reynolds, Baker Hill, Laser Pro, Accessory Manager, Premier II, Shaw, FiServ, V-Lookup.
Able to quickly learn new proprietary systems and applications.
Experience:
SERVICE WRITER / ADVISOR - Ferrari of Houston / Group 1 Automotive (6/2014 to 5/2016)
Answer telephone calls from customers, consult about their service needs, and book service appointments.
Check in client’s cars and help organize the department workflow.
Follow-up to customers with diagnosis, sell needed repair services, and provide on-going updates.
Schedule completion appointments and see that each car is clean in time for pick-up.
Compile service progress reports for the Service Director and file closed repair orders.
Initiate client follow-up and Customer Satisfaction Index (CSI) phone calls.
Maintained 100% Customer Satisfaction Index scores during my entire tenure at Ferrari.
Gained new, and drew back previous, clients due to successful marketing and past Ferrari community reputation.
SALES DIRECTOR / ACCOUNTING CONSULTANT - Top Speed Auto Accessories (7/2010 to 6/2014)
Initiate contact with business owners and end user buyers to market Top Speed Auto performance products.
Monitor and actively participate/contribute in on-line automotive related forum web sites for marketing purposes.
Attend local automotive gatherings and shows to promote Top Speed Auto product line.
Assigned staff duties and delegation of tasks as needed.
Handled Accounts Payable/Receivable and some business tax preparation.
Increased company overall sales by over 30% during my first year as Sales and Marketing Director.
Grew company market presence and cultivated sales partners through social media and trade show circuits.
CREDIT & DEBT ANALYSIS CONSULTANT - CDMA / Global Advantage Credit Solutions (7/2008 to 11/2009)
Handled in-bound /out-bound phone consultations with clients having up to $150,000 of unsecured debt.
Investigate and analyze credit to make determination of ability and program best suited to their financial situation.
Explained options, addressed concerns, overcame objections, and completed enrollment.
Follow up on invoices and collection of settlement account funding to ensure retention of client contract.
Proactive in building and maintaining new clients through relationships with referral partners.
SR. LOAN OFFICER / MORTGAGE UNDERWRITER - Washington Mutual / Countrywide (6/2004 to 11/2007)
Initiate client contact to originate personal, automotive, and real estate mortgage loans.
Skilled at analyzing customer needs and ability in order to advise on loan choices.
Make loan decision via risk analysis, underwriting guidelines, experienced judgment, and market knowledge.
Negotiate terms, rework and counter offer loan, overcome objections, and collect up-front fees.
Open new accounts and cross-sell other financial services and insurance products.
Exceeded $10 million in retail bank loan origination for the year.
Ranked #1 in region, #5 in the state, and top 2% in nation for the year.
Improved bank mentor coaching program by developing new lender training system.
Responsible for residential and commercial loans as high as $1.5 million.
Continued
2. George LaFleur Page 2
FINANCE MANAGER / LOAN UNDERWRITER - Middlekauff Ford (4/2002 to 4/2004)
Complete loan applications, review credit reports and underwrite loan.
Negotiate terms, overcome objections, and collect required financial documents.
Cross-sell additional automotive loan financial products (credit life insurance, extended warranty, etc…).
Handed both direct and indirect (captive) lending.
Consistently passed sales goals while maintaining above industry average Customer Satisfaction Index scores.
Designed, formulated, and implemented extensive sales tracking spreadsheet program for management.
CREDIT ANALYST / COMMERCIAL LOAN SUPPORT - Associated Bank (9/2000 to 1/2002)
Spread client financials, analyze credit risk, comment loan decision recommendations.
Create risk reports for weekly loan review committee meetings according to bank policies and procedures.
Responsible for gathering client financials, requesting and proof reading loan documents.
Handled post closing funds disbursement and lien perfection filings according to bank standards.
Complete loan file auditing and portfolio maintenance to comply with loan policy and bank regulations.
Support bank management and commercial lenders on all commercial loan applications.
As Associated Bank is a preferred SBA lender, I collaborated on commercial loans up to $5 million.
CONSUMER BANKER / LOAN UNDERWRITER - Bremer Bank (2/1998 to 9/2000)
Initiate client contact to originate loans (personal, automotive, and real estate).
Collect customer financials necessary for loan application.
Review customer’s credit, borrowing needs, and repayment ability in order to advise on loan choices.
Order collateral appraisals.
Make loan decision using credit risk analysis and legal underwriting guidelines.
Open new accounts and cross-sell other financial services and insurance products.
Responsible for new loan generation, underwriting, closing, funding, financial reporting, and new deposits growth.
Earned personal lending authority within first year of banking.
Education:
BS program in Finance
Anoka Ramsey College/Metropolitan State College, Minneapolis, MN Sept 1998 to Jan 2002
RMA (formerly Robert Morris Associates) course: Financial Statement Credit Risk Analysis Jan 2001
Attended various American Banking Association (ABA) classes 1998 to 2002
Previously held SEC Series 6, 63, and 22 licenses 2006 to 2008