Credit Consultant Resume Examples: 6 Winning Templates for 2024
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Dynamic and detail-oriented Credit Analyst with a robust background in financial analysis and risk assessment, leveraging expertise developed through experience at top-tier financial institutions such as Bank of America and JPMorgan Chase. Proficient in credit scoring models and Excel, with a proven ability to communicate effectively and build relationships. Committed to delivering insightful data-driven decisions that enhance lending outcomes. Adept at identifying potential risks and developing strategies to mitigate them, ensuring financial stability and growth. Seeking to contribute analytical skills and expertise in a challenging credit consulting role.
WORK EXPERIENCE
- Conducted in-depth financial analysis to assess creditworthiness of loan applicants, resulting in a 20% reduction in default rates.
- Developed and implemented new credit scoring models that improved the accuracy of risk assessments by 15%.
- Collaborated with cross-functional teams to refine risk assessment strategies, leading to the successful approval of high-value loans worth over $500 million.
- Presented credit analysis reports to senior management, significantly influencing strategic lending decisions.
- Trained new analysts on best practices in financial analysis and risk assessment, enhancing team productivity by 25%.
- Analyzed loan applications and credit reports for validity and accuracy, helping to maintain compliance with regulatory standards.
- Enhanced customer communication protocols, increasing customer satisfaction scores by 30% during the evaluation process.
- Coordinated with IT to optimize credit scoring systems, improving processing time by 40%.
- Managed relationships with clients to assess and address their credit needs, resulting in repeat client business of 35%.
- Published quarterly credit trend reports that informed strategic direction, leading to improved financial products and enhanced customer outreach.
- Lead a team of credit analysts to assess complex credit applications, increasing efficiency in processing loans by 50%.
- Implemented new risk assessment methodologies, resulting in improved decision-making and a 30% reduction in loan delinquencies.
- Developed training programs for new team members, fostering a culture of knowledge sharing and continuous improvement.
- Pioneered initiatives for integrating AI tools into credit analysis, enhancing predictive accuracy and operational scalability.
- Recognized as 'Employee of the Year' for outstanding contributions to the credit assessment team's performance.
SKILLS & COMPETENCIES
- Financial analysis
- Risk assessment
- Credit scoring models
- Excel proficiency
- Interpersonal communication
- Data interpretation
- Regulatory compliance
- Report generation
- Credit report evaluation
- Problem-solving skills
COURSES / CERTIFICATIONS
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EDUCATION
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[email protected] • +1-555-123-4567 • https://www.linkedin.com/in/david-patel • https://twitter.com/david_patel
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WORK EXPERIENCE
- Led a cross-functional team to develop a new risk assessment model that reduced default rates by 15%.
- Implemented targeted risk management strategies that increased portfolio profitability by 20%.
- Collaborated with regulators to ensure full compliance, resulting in a successful audit with zero findings.
- Managed a team of analysts to streamline data analysis processes, improving report turnaround time by 30%.
- Conducted over 50 training sessions to enhance team members' understanding of risk management practices.
- Analyzed credit data and financial statements to assess client risk, enabling informed approval for loans surpassing $50M.
- Developed comprehensive credit scoring models that improved predictive accuracy by 25%.
- Collaborated with sales teams to tailor credit solutions, leading to a 15% increase in client satisfaction scores.
- Presented findings to senior management that informed company-wide policy adjustments, reducing default likelihood.
- Mentored junior analysts, enhancing their analytical skills and improving team performance metrics.
- Conducted detailed risk assessments on new lending products, contributing to the launch of three successful offerings.
- Utilized statistical methods to analyze large datasets, improving the accuracy of key risk metrics.
- Presented analytical reports to stakeholders, facilitating strategic decision-making processes.
- Assisted in the development of credit policies that aligned risk management with business objectives.
- Actively participated in risk committee meetings, providing insights that shaped risk mitigation strategies.
- Performed comprehensive financial analysis to support credit decisions for high-net-worth clients.
- Prepared monthly financial reports, highlighting key trends in credit risk exposure.
- Collaborated with the compliance team to ensure alignment with regulatory standards and best practices.
- Developed training materials on credit analysis techniques for onboarding new analysts.
- Contributed to a 10% reduction in risk exposure through meticulous financial screening processes.
SKILLS & COMPETENCIES
Certainly! Here’s a list of 10 skills for David Patel, the Credit Risk Manager:
- Risk management strategies
- Regulatory compliance knowledge
- Portfolio assessment and management
- Strong data analysis capabilities
- Team leadership and development
- Credit risk modeling
- Financial forecasting
- Communication and presentation skills
- Problem-solving and critical thinking
- Stakeholder relationship management
COURSES / CERTIFICATIONS
Certifications and Courses for David Patel (Credit Risk Manager)
Certified Risk Management Professional (CRMP)
Issued by: Risk Management Society (RIMS)
Date: March 2020Financial Risk Manager (FRM)
Issued by: Global Association of Risk Professionals (GARP)
Date: November 2019Advanced Credit Risk Analysis
Institution: New York Institute of Finance
Completion Date: June 2018Regulatory Compliance for Financial Institutions
Institution: Coursera (offered by the University of Pennsylvania)
Completion Date: September 2021Data Analysis and Visualization in Excel
Institution: LinkedIn Learning
Completion Date: February 2022
EDUCATION
Education for David Patel (Credit Risk Manager)
Master of Business Administration (MBA) in Finance
University of Pennsylvania - Wharton School
Graduated: May 2010Bachelor of Science in Economics
University of California, Berkeley
Graduated: May 2007
[email protected] • (555) 123-4567 • https://www.linkedin.com/in/emilyrodriguez • https://twitter.com/emilyr_finance
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WORK EXPERIENCE
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SKILLS & COMPETENCIES
Here is a list of 10 skills for Emily Rodriguez, the Credit Counselor from Sample 3:
- Customer service excellence
- Financial literacy education
- Budgeting and financial planning
- Negotiation and mediation skills
- Problem-solving abilities
- Empathy and active listening
- Knowledge of credit laws and regulations
- Analytical thinking
- Communication skills (verbal and written)
- Relationship building and trust cultivation
COURSES / CERTIFICATIONS
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EDUCATION
- Bachelor of Arts in Finance, University of California, Los Angeles (UCLA) – Graduated June 2014
- Certified Credit Counselor (CCC) – Obtained December 2015
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WORK EXPERIENCE
- Led a team in closing over 300 mortgage loans with an average processing time reduction of 20%.
- Developed customized financial solutions for clients, resulting in a 30% increase in client satisfaction scores.
- Implemented a new digital loan application system that improved turnaround times by 40%.
- Trained junior loan officers on risk assessment strategies and compliance regulations, enhancing overall team performance.
- Established strong relationships with real estate partners, increasing referral business by 25%.
- Successfully originated over 200 loans while maintaining a close rate of 80%.
- Conducted thorough risk evaluations that minimized funding losses by 15%.
- Collaborated with underwriting teams to streamline documentation and approval processes.
- Provided clients with in-depth financial education, empowering them to make informed decisions.
- Regularly achieved and exceeded sales targets through effective relationship management.
- Assisted in the processing and underwriting of loan applications, contributing to a smooth operation flow.
- Built a network of local real estate agents to facilitate home-buying processes for clients.
- Analyzed financial data to assess borrower eligibility and creditworthiness.
- Engaged in ongoing communication with clients, providing updates throughout the loan process.
- Created marketing materials that showcased loan products, helping to increase brand visibility.
SKILLS & COMPETENCIES
Skills for James Nguyen (Loan Officer)
- Loan origination expertise
- Proficient in financial documentation and analysis
- Strong risk evaluation capabilities
- Excellent relationship-building skills
- Proven sales techniques and strategies
- Effective communication and negotiation skills
- Knowledge of mortgage products and regulations
- Ability to assess borrower creditworthiness
- Detail-oriented in processing loan applications
- Strong customer service and support skills
COURSES / CERTIFICATIONS
Here are five certifications or completed courses for James Nguyen, the Loan Officer:
Mortgage Loan Originator (MLO) Certification
Issued by the National Mortgage Licensing System (NMLS)
Date Completed: March 2019Financial Services Fundamentals
Online Course by Coursera
Date Completed: July 2020Risk Management in Banking and Financial Markets
Certification from the University of Cape Town
Date Completed: November 2021Advanced Negotiation Skills
Professional Development Course by the American Management Association
Date Completed: February 2022Compliance and Regulatory Framework in Lending
Course by the Mortgage Bankers Association (MBA)
Date Completed: August 2023
EDUCATION
Education for James Nguyen (Position 4: Loan Officer)
Bachelor of Science in Finance
University of California, Los Angeles (UCLA)
Graduated: June 2010Master of Business Administration (MBA)
University of Southern California (USC)
Graduated: May 2013
When crafting a resume for a Collection Specialist, it's crucial to highlight skills and experiences related to debt recovery and negotiation strategies. Emphasizing familiarity with compliance regulations regarding collection laws is essential, along with showcasing conflict resolution abilities. Additionally, proficiency in database management and any relevant software used for tracking collections should be included. Demonstrating strong communication skills and previous success in achieving collection targets can significantly strengthen the resume. Lastly, highlighting experience in diverse environments, adaptability, and customer service expertise will demonstrate a well-rounded capability for handling various collection scenarios.
[email protected] • (555) 123-4567 • https://www.linkedin.com/in/sarah-white • https://twitter.com/sarahwhite
**Summary for Sarah White, Collection Specialist**
Dedicated and results-driven Collection Specialist with a proven track record in debt recovery and compliance with collection laws. With extensive experience at leading agencies such as ECOS and ConServe, I excel in negotiation, conflict resolution, and database management. My strong interpersonal skills and attention to detail ensure successful communication with clients, fostering positive relationships while achieving collection goals. I am committed to maintaining high ethical standards and contributing effectively to team initiatives, making me a valuable asset for organizations looking to enhance their collections processes.
WORK EXPERIENCE
- Achieved a 30% improvement in debt recovery rates through enhanced negotiation strategies.
- Developed and implemented a training program for new employees, increasing team efficiency by 25%.
- Created comprehensive reports analyzing payment trends that informed company-wide strategies.
- Collaborated with the legal team to ensure compliance with collection laws, eliminating potential legal issues.
- Enhanced customer relations through empathetic communication, reducing complaint resolution time by 40%.
- Spearheaded a campaign that reduced delinquent accounts by 15%, significantly improving company cash flow.
- Implemented a new database management system that streamlined case handling, reducing time spent per case by 20%.
- Trained team members on best practices for collections, resulting in higher individual performance metrics.
- Developed workflows that improved the compliance rate with relevant laws and regulations by 98%.
- Engaged in regular client follow-ups, building rapport that led to an increased rate of voluntary payments.
- Increased recovery rates by 40% within the first six months through innovative collection tactics.
- Led cross-functional meetings with various departments to enhance collaborative efforts in client engagement.
- Monitored and analyzed key performance indicators to refine strategies, ultimately boosting team performance.
- Actively participated in compliance audits, helping the organization maintain a 100% compliance record during reviews.
- Recognized with the 'Employee of the Quarter' award for outstanding contributions to the company's recovery targets.
SKILLS & COMPETENCIES
Here is a list of 10 skills for Sarah White, the Collection Specialist:
- Debt recovery techniques
- Strong negotiation skills
- Knowledge of compliance with collection laws
- Effective conflict resolution abilities
- Proficiency in database management
- Excellent communication skills
- Detail-oriented approach to documentation
- Analytical skills for assessing accounts
- Time management and organizational expertise
- Customer service orientation
COURSES / CERTIFICATIONS
Certainly! Below is a list of 5 certifications and completed courses for Sarah White, the Collection Specialist:
Certified Collections Specialist (CCS)
Institution: ACA International
Date Completed: March 2021Debt Collection Compliance Certification
Institution: Professional Debt Collectors Association
Date Completed: July 2022Negotiation Skills for Collectors
Institution: LinkedIn Learning
Date Completed: January 2023Financial Recovery Strategies
Institution: National Association of Credit Management
Date Completed: November 2020Conflict Resolution Skills in Collections
Institution: Udemy
Date Completed: May 2022
EDUCATION
Sarah White - Education
Bachelor of Arts in Finance
University of Michigan, Ann Arbor
Graduated: May 2016Certified Credit and Collection Specialist (CCCS)
National Association of Credit Management
Certification date: June 2017
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WORK EXPERIENCE
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SKILLS & COMPETENCIES
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COURSES / CERTIFICATIONS
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EDUCATION
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Mid-Level level
Here are five strong resume summary examples for a mid-level credit consultant:
Proven Expertise in Credit Analysis: Results-driven credit consultant with over 5 years of experience in assessing creditworthiness and advising clients on effective debt management strategies, leading to a 30% increase in client credit scores on average.
Client-Centric Approach: Adept at building and maintaining strong client relationships by providing tailored financial solutions, demonstrating a commitment to enhancing financial literacy and empowering clients to achieve their credit goals.
Data-Driven Decision Maker: Highly skilled in utilizing advanced analytical tools to evaluate credit reports, identify risks, and develop actionable improvement plans, resulting in improved client outcomes and reduced default rates.
Regulatory Knowledge: Strong understanding of credit regulations and compliance, ensuring that all solutions provided adhere to financial laws and guidelines while helping clients navigate complex credit scenarios.
Effective Communicator and Educator: Excellent communicator with a track record of conducting workshops and one-on-one consultations, effectively educating clients on credit management principles and fostering a culture of financial responsibility.
Junior level
Sure! Here are five bullet points for a strong resume summary for a junior-level credit consultant:
Detail-Oriented Analyst: Recent graduate with a solid foundation in finance and credit analysis, skilled in evaluating consumer credit reports and identifying critical trends to help clients improve their creditworthiness.
Customer-Centric Approach: Proven ability to develop strong relationships with clients, delivering tailored advice on credit repair strategies that enhance financial literacy and empower clients to achieve their financial goals.
Strong Data Interpretation Skills: Proficient in interpreting complex financial data and utilizing analytical tools to provide actionable insights, ensuring clients can make informed decisions regarding their credit options.
Effective Communication: Excellent verbal and written communication skills, enabling clear and concise explanations of credit concepts and recommendations, making financial topics accessible to clients from diverse backgrounds.
Team Collaboration Enthusiast: Committed team player eager to collaborate with experienced consultants and contribute to a positive work environment while continuously learning and growing within the credit consulting arena.
Entry-Level level
Entry-Level Credit Consultant Resume Summary
- Ambitious and detail-oriented recent graduate with a solid understanding of financial principles and consumer credit processes, eager to help clients navigate their credit journeys.
- Strong communication skills complemented by a background in customer service, enabling effective relationship-building and the ability to explain complex credit concepts clearly to clients.
- Proficient in handling sensitive financial data with a commitment to confidentiality and ethical standards, ensuring a trustworthy environment for clients seeking advice.
- Adaptable team player with effective problem-solving abilities, bringing a fresh perspective to credit consulting while learning from seasoned professionals in the field.
- Motivated self-starter with a passion for personal finance, actively pursuing certifications in credit management to enhance professional competency and service delivery.
Experienced Credit Consultant Resume Summary
- Results-driven credit consultant with over 5 years of experience in advising clients on credit repair strategies and improving credit scores, consistently achieving high levels of client satisfaction.
- In-depth knowledge of credit reporting and financial regulations, guiding clients through complex credit issues and helping them make informed decisions to ensure financial empowerment.
- Proven ability to develop personalized financial plans, leveraging analytical skills to assess credit reports and identify opportunities for improvement in client credit profiles.
- Strong track record of building lasting relationships with clients and financial institutions, effectively negotiating on behalf of clients to secure favorable outcomes and resolve disputes.
- Passionate advocate for financial literacy, conducting workshops and seminars that empower individuals to understand credit management and make educated financial choices.
Weak Resume Summary Examples
Weak Resume Summary Examples for Credit Consultant
- "Hardworking professional looking for a position in credit consulting."
- "Recent graduate with a degree in finance interested in credit consulting roles."
- "Experienced in customer service and wants to transition into credit consulting."
Why These Are Weak Headlines
Lack of Specificity and Impact: The first example, "Hardworking professional looking for a position in credit consulting," lacks specific skills or achievements related to credit consulting. It's vague and doesn’t convey any unique value or qualifications that would make the candidate stand out.
No Demonstrated Expertise: The second example, "Recent graduate with a degree in finance interested in credit consulting roles," focuses too much on the individual's lack of experience rather than any relevant skills or knowledge in credit consulting. Potential employers want to see how a candidate's past experiences align with the position.
Irrelevant Experience Mentioned: The third example, "Experienced in customer service and wants to transition into credit consulting," highlights a skill that is not directly related to credit consulting without connecting it to how it could benefit the role. It doesn’t demonstrate any specific knowledge or accomplishments in credit consulting, making it generic and less compelling.
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Junior level
Here are five strong resume objective examples for a junior-level credit consultant:
Detail-oriented professional seeking a junior credit consultant position to leverage analytical skills and knowledge of credit reporting to help clients improve their financial health and achieve their goals.
Enthusiastic finance graduate with a passion for credit management, looking to join a dynamic team as a junior credit consultant. Eager to utilize effective communication and problem-solving abilities to assist clients in navigating their credit options.
Motivated individual with a background in financial services, aiming to secure a junior credit consultant role to apply understanding of credit regulations and financial literacy to support clients in rebuilding and optimizing their credit profiles.
Recent graduate with knowledge of consumer credit laws and strong research abilities, seeking to contribute as a junior credit consultant. Committed to helping clients make informed financial decisions through personalized advice and strategies.
Ambitious finance enthusiast looking for a junior credit consultant position to utilize analytical skills and customer service experience. Dedicated to assisting clients in understanding credit solutions and fostering positive relationships to drive their financial success.
Entry-Level level
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Elevate Your Application: Crafting an Exceptional null Cover Letter
null Cover Letter Example: Based on Resume
Dear [Company Name] Hiring Manager,
I am excited to apply for the Credit Consultant position at [Company Name]. With a strong passion for finance and a proven track record in credit analysis, I am eager to contribute my expertise to your esteemed team. My experience in evaluating creditworthiness and developing robust financial strategies aligns perfectly with the priorities of your organization.
In my previous role at [Previous Company Name], I successfully managed a diverse portfolio of clients, performing detailed credit assessments that led to a 25% reduction in default rates over two years. I utilized industry-standard software such as FICO and Experian, which allowed me to implement data-driven solutions tailored to client needs. My solid grounding in financial modeling and analytics ensured that I consistently provided actionable insights that enhanced decision-making processes.
Collaboration has been at the heart of my professional journey. I enjoyed working closely with cross-functional teams to streamline credit evaluation processes, resulting in improved turnaround times by 15%. I believe that fostering a cooperative work environment is essential for achieving excellence and innovation, especially in the fast-paced finance sector.
Moreover, I pride myself on my ability to adapt to evolving industry standards. I recently completed a certification in Advanced Credit Risk Management, further honing my technical skills and staying current with regulatory changes. My dedication to continuous learning and professional development enables me to bring fresh perspectives and innovative solutions to your team.
I am eager to bring my passion for finance, technical proficiency, and collaborative spirit to [Company Name]. Thank you for considering my application. I look forward to the opportunity to discuss how I can contribute to your team's success.
Best regards,
[Your Name]
[Your Phone Number]
[Your Email Address]
A cover letter for a credit consultant position should effectively convey your qualifications, experiences, and enthusiasm for the role. Here’s a guide on what to include for crafting a compelling cover letter:
Structure of the Cover Letter:
1. Header:
- Your name, address, phone number, and email.
- Date.
- Hiring manager’s name, company name, and address.
2. Salutation:
- Address the hiring manager by name if possible (e.g., “Dear Mr. Smith”).
3. Introduction:
- Start with a strong opening sentence that identifies the position you’re applying for.
- Express your excitement and briefly mention how you discovered the job listing.
4. Body Paragraphs:
- Relevant Skills and Experience:
- Highlight specific experiences that align with the requirements of a credit consultant. Include examples of analyzing credit reports, advising clients on credit management, or working with financial tools.
- Demonstrate your knowledge of consumer credit laws, risk assessment, and financial regulations that are crucial for the role.
Problem-Solving Abilities:
- Mention scenarios where you successfully assisted clients in improving their credit scores or resolving disputes. Quantify results if possible (e.g., “Increased client credit scores by an average of 100 points within six months.”).
Interpersonal Skills:
- Emphasize your ability to build trust with clients, communicate complex credit concepts clearly, and tailor your advice to individual financial situations.
5. Conclusion:
- Reiterate your enthusiasm for the position and the company.
- Express your desire for an interview to further discuss how you can contribute to their team.
- Thank the hiring manager for their time and consideration.
6. Closing:
- Use a professional closing (e.g., “Sincerely”) followed by your name.
Final Tips:
- Tailor your cover letter to the specific company and role.
- Keep the tone professional but convey your personality.
- Proofread for typos and grammatical errors to ensure clarity and professionalism.
Resume FAQs for null:
How long should I make my null resume?
When crafting a resume for a credit consultant position, aim for a one-page format, especially if you have less than 10 years of experience. A concise, targeted resume allows you to highlight your most relevant skills, experiences, and achievements without overwhelming hiring managers. Focus on including key information such as relevant work history, education, and certifications, while using bullet points for clarity.
If you have extensive experience or are transitioning from a lengthy career, a two-page resume may be justified. Ensure that every detail directly relates to the credit consulting field, emphasizing accomplishments and results that demonstrate your expertise in credit analysis, risk assessment, and client management.
Tailor your content to match the specific requirements of the job description, incorporating relevant keywords to help your resume get past Applicant Tracking Systems (ATS). Include quantifiable achievements, such as successfully improving credit scores for clients or minimizing credit risks.
Remember, clarity and relevance are vital. Keep formatting clean and professional, using consistent fonts and headings. Ultimately, the goal is to create a compelling narrative that effectively showcases your qualifications while remaining succinct and to the point.
What is the best way to format a null resume?
Creating an effective resume for a credit consultant position requires a clear and professional format that highlights your skills, experience, and qualifications. Here are some key elements to consider:
Contact Information: Start with your name, phone number, email address, and LinkedIn profile at the top of the resume.
Professional Summary: Write a concise summary (2-3 sentences) that showcases your experience in credit consulting, emphasizing your expertise in credit analysis, risk assessment, and client relations.
Key Skills: List relevant skills such as credit risk evaluation, financial analysis, communication, problem-solving, and knowledge of credit laws and regulations.
Professional Experience: Use reverse chronological order to detail your work history. Include job titles, company names, location, and dates of employment. For each role, provide bullet points that outline your responsibilities, achievements, and contributions, focusing on quantifiable results.
Education: Mention your degree(s) and any relevant certifications (e.g., Certified Credit Professional).
Additional Sections: Consider adding sections for certifications, professional memberships, or volunteer work related to finance or credit consultancy.
Keep the format clean and organized, using consistent fonts and spacing, and limit your resume to one page if possible. Tailor the content for each application to ensure relevance.
Which null skills are most important to highlight in a resume?
When crafting a resume for a credit consultant position, it's essential to highlight a mix of technical, analytical, and interpersonal skills.
Financial Analysis: Emphasize your ability to assess creditworthiness, analyze financial statements, and understand credit reports. Highlight experience with credit scoring models and financial projections.
Regulatory Knowledge: Showcase familiarity with laws and regulations related to credit, including Fair Credit Reporting Act (FCRA) and Fair Debt Collection Practices Act (FDCPA). This expertise demonstrates your ability to navigate compliance issues effectively.
Communication Skills: Strong verbal and written communication skills are vital. Highlight your ability to explain complex financial concepts clearly to clients and negotiate with creditors.
Problem-Solving Abilities: Illustrate your knack for developing tailored strategies to improve clients' credit scores and resolve disputes.
Customer Service Orientation: Emphasize your commitment to client satisfaction and ability to build trust with clients, ensuring they feel supported throughout the credit consultation process.
Data Management: Proficiency in using credit management software and tools enhances efficiency in tracking clients’ progress.
Including these skills in your resume will effectively convey your qualifications for a credit consultant role.
How should you write a resume if you have no experience as a null?
Writing a resume for a credit consultant position with no direct experience can still showcase your potential and relevant skills. Start with a concise summary that highlights your interest in credit consulting and your eagerness to learn. Emphasize transferable skills gained from previous roles, such as analytical thinking, problem-solving, and customer service.
Include any pertinent education, such as degrees in finance, economics, or business. If you've taken relevant coursework or certifications, such as in financial literacy or credit management, be sure to mention those.
In the skills section, list competencies that are relevant to the credit consulting field, like proficiency in Microsoft Excel, data analysis, communication skills, and attention to detail. Highlight any volunteer opportunities or internships where you’ve gained experience in financial advising or client interaction.
If applicable, include any projects or responsibilities from past jobs that demonstrate your ability to analyze data or assist clients in understanding financial products. Tailor your resume to the job description, using keywords that align with the skills and qualifications sought by employers. Lastly, keep the format clean and professional, ensuring easy readability to make a strong first impression.
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