Lefogran Sherman

Charlotte, NC *****

ace995@r.postjobfree.com

704-***-****

Objective: I would like to become part of a financial institution which

would allow me the opportunity to develop new business by utilizing all

aspects of traditional as well as nontraditional means established by

procedures. My strengths would be in the areas of consumer lending,

analyzing, pertinent financial information and utilizing my personal skills

to implement, direct and train others to excel beyond their highest

expectations.

Professional Experience

BB&T, Robeson County, NC 2011-2013

Financial Center Leader III

NMLS 433113

. Implemented financial plans and operations through account development

and growth.

. Responsible for interviewing loan applicants, analyzing their request

to make the appropriate recommendations.

. Hired and Trained incoming employees.

. Collected on overdraft accounts.

. Team building to stress the importance of reaching goals set forth by

the branch and individual.

. Assuring all branch operations met corporate compliance standards

. Responsible for HELOC, Installment and Business Loans, Checking,

Savings, High and Low Growth.

. Target clients with a portfolio between $10MM to $100 million.

. Maintain and grow portfolio of existing business and mixed households.

. Responsible for bringing the banking center portfolio to new heights

with prior consumer lending experience.

. Retain and strengthen current relationships and seek to develop new

business through various channels such as cross-sales and working

referrals.

. Work with external partners as necessary to drive referrals.

. Completing applications and analyzing loan requests to make the

appropriate recommendations.

. Responsible for developing new business and maintaining current

business.

. Conducting weekly sales clinics and coaching sessions.

. Conduct weekly staff meetings with sales and front end personnel.

. Property and credit underwriting requirements experience of private

mortgage insurance, FHLMC, AND FNMA.

. Responsible for making decisions independently for entire staff

effectively.

. Relevant Fact: In the last year and half I had lead my TEAM from 50th

place out of 50 branches in the southeastern region to #1 in the

cluster and one of the top 5 branches in the region on a consistent

basis for the last year and a half. I also improve my TEAM audit score

from a 72% which is failing to a 96% within a years' time, which was

recognize by corporate auditing as an AMAZING accomplishment for my

TEAM. I was able to accomplish this by cross training all my employees

to be familiar with all operational duties, coaching each employee

daily if necessary to be able to profile all clients to uncover

opportunities to increase current households or new households. Also,

I trained my platform employees on how to fill out a personal

financial statement to help them uncover IRM opportunities to refer to

external partners. I explain to all my employees that it is truly a

TEAM effort internally and externally if we are going to have the

success that we are capable of having. I believed and they grew to

believe through encouragement and positive words of inspiration.

Wells Fargo, Fort Mill, SC

Project Manager III 2009-2011

Loss Mitigation-Negotiator- Doc Prep-Subordination (3 Step) - Post closing-

HAMP-Bankruptcy-Settlement -Cash Department -Credit Analyst-Underwriter---

Negotiator

Zenta-Underwriter, Charlotte, NC

. Verify customer income documentation and resolve title issues.

. Prepare closing documents and review title commitments.

. Approve or decline loans within institution's credit policy.

Preparing packages and reprinting documents

. Mortgage Originator-front line underwriting.

. Conventional loans and Streamline (HARP) loans.

. Analyzing income, credit, collateral and verifying assets to ensure

that loan still qualifies for credit approval.

. Computer Knowledge (DU, LP, Microsoft Outlook, Windows etc).

. Examining documentation for accuracy and completeness for final

approval.

. Initiation planning, controlling, executing, and closing (Project

manage life cycle).

. Lead project meetings to meet established timelines.

. Interact with project teams to create and deliver presentations on

project goals, plans, and reports.

First Citizens Bank, Charlotte, NC 2006-

2009

Financial Service Manager II- Bank Officer

. Responsible for bringing the banking center portfolio to new heights

with prior consumer lending experience.

. Completing applications and analyzing loan requests to make the

appropriate recommendations.

. Responsible for developing new business and maintaining current

business.

. Maintain and grow portfolio of existing business and mixed households.

. Target clients with a portfolio between $10MM to $100 million.

. Retain and strengthen current relationships and seek to develop new

business through various channels such as cross-sales and working

referrals.

. Work with external partners as necessary to drive referrals.

. Conducting weekly sales clinics and coaching sessions.

. Conduct weekly staff meetings with sales and front end personnel.

. Experience with and knowledge of property and credit underwriting

requirements of FNMA, FHLMC, and private mortgage insurance companies.

. Loan Prospector (LP)-Desktop Underwriter (DU) experience - Mortgage

Closer experience. Prepared closing documents, review title

commitments, and review HUD1 settlement statements.

. Responsible for making decisions independently for entire staff

effectively.

. Facilitator and Counseling Coordinator-Training, Teaching, and

Directing Manager Training.

. Lead project meetings to meet established timelines.

. Interact with project teams to create and deliver presentations on

project goals, plans, and reports.

. Examining documentation for accuracy and completeness for final

approval.

. Initiation planning, controlling, executing, and closing (Project

manage life cycle).

. Relevant Fact: During my tenure at First Citizens Bank I led my team

to its first low risk audit that it experienced in 5 years which was a

very big accomplishment for the team. I was number one in the entire

bank for qualified wealth referrals and top 30 (out of 250+ employees)

in esg fees and core deposits. I was able to accomplish this by

cross training all employees to be familiar with all operational

duties, coaching each employee daily if necessary to be able to

profile all clients to uncover opportunities to increase current

households or new households. Also, I trained my platform employees on

how to fill out a personal financial statement to help them uncover

IRM opportunities to refer to external partners. I explain to all my

employees that it is truly a TEAM effort internally and externally if

we are going to have the success that we are capable of having. I

believed and they grew to believe through encouragement and positive

words of inspiration.

Underwriter, Charlotte, NC 2004-2013

. Relevant Fact: Nine plus years of underwriting (Mortgage Loan

Originator/Mortgage Underwriter) experience refinancing conventional

and streamline loans. This also included preparing reports that

determined whether the loan was approved or referred by using data to

evaluate the loan and providing messages that met documentation and

appraisal requirements. I had to determine if the correspondent was

delegated or non delegated and recommend it based on the guidelines,

documentation, and credit score. My underwriter experience (some

FannieMae, Freddie Mac, and DU & LP experience included) occurred

during my tenure with Bank of America, RBC Centura, First Citizens

Bank, Wells Fargo, Zenta and BB&T.

. Project Management Experience Seven years of experience -

Computer Platform Services (CPS). Responsible for attracting,

developing, retaining, and motivating the most talented people. Made

sure projects are in compliance with guidelines standards by

maintaining audit condition status at all times.

Education

Graduated from East Carolina University 1994-Majoring in Business

Administration & Industrial Technology

Technical

I have been challenged, tested and successfully completing all pertinent

systems in major banking protocol by gathering great experience in the

following areas: MACINTOSH, IBM, MICROSOFT OFFICE, MICROSOFT EXCEL,

FORTRAN, PASCAL, ASAP, DSCI, QUICK BOOKS and WORD PROCESSING.

Honors and Activities

Volunteer for Special Olympics

East Carolina University Football Team

East Carolina Track & Field

European American Professional Football League

Athletes Speaker Bureau

Football Academic Top 20

Active member of Omega Psi Phi Fraternity

References: Personal and Professional are available upon request.

Contact this candidate