Robert E Stowe

*** ******** **** ****…White Georgia 30184

d7pmwz@r.postjobfree.com…Cell: 678-***-****

Commercial credit, real estate, marketing and mortgage loan professional with many years experience in originating mortgage loans, credit management and providing transactional guidance to real estate investors. ________________________________________________________________________

Summary of qualifications

• Comprehensive knowledge of and experience in leveraging financing programs in a variety of complex scenarios.

• Skilled at consulting with clients to delineate and analyze their financial situation and develop strategic solutions for growth.

• Excellent communication and presentation skills

• A natural entrepreneur, inquisitive and adaptable; embrace change readily.

• Exceptional problem solver, driven to succeed with strong interpersonal and negotiation skills.

Professional Experience

Somerset Mortgage Corp – St. Simons Island, Ga. 2003-present

Real estate and mortgage finance Company with over $40 million in annual volume

Vice President

Use my interpersonal and communication skills to generate referral business, leads and relationships with individuals, existing clients and real estate professionals. Participate in training for marketing, sales and scenario techniques to effectively sell, package and close consumer mortgages. Take thorough and complete loan applications; analyze and prequalify applicant information to determine viability of the clients desired loan program. Pull and analyze credit to compare for accuracy with the borrower’s statements. I have been ranked in the top five in production every year. Concurrently, I am a licensed real estate agent with ERA Sunrise Realty in Canton Ga.

Grubb & Ellis – Atlanta, Ga. 1999 – 2003

Leading international commercial real estate firm with retail, industrial and office REIT’s

Associate Vice President – Investment Properties Group

Listed, sold land and leased investment properties to real estate developers and investors. Provided transactional guidance to my clients to develop and manage programs on cost efficient operations and tenant retention. Assisted clients in strategic planning to maintain a competitive advantage and enhance margins. Developed integrated strategies that aligned real estate decisions with business objectives to accelerate client success by impacting their operating and investment performance through effective uses of capital. I was in the Top Ten in production volume nationally.

First Liberty Bank – Atlanta, Ga. 1997 – 1999

Commercial bank with headquarters in Macon Ga.

Assistant Vice President

Originated and closed construction loans for residential subdivision developers and independent builders. I also closed residential permanent loans for local real estate agents and their clients. Familiar with FNMA and FREDDIE MAC rules and regulations. I was ranked in the Top 10 among all originators and closed $20 million in loans in my best year. The bank is now out of business.

Bank of North Georgia – Woodstock, Ga. 1993 – 1997

Commercial Bank with $800 million in assets

Mortgage Loan Advisor / Construction loan officer

I originated residential permanent loans as well as construction loans to local builders. It was my responsibility to do the construction inspections for builder draws as well as process the permanent loans for the buyer. I locked in the rates on the permanent loans with our investors and supervised the entire process through closing. I was in the Top Five in loan production.

Decatur Federal Savings & Loan Assn. 1986-1992

Nationally recognized Thrift Institution

Senior Mortgage Loan Advisor

Developed new business by making sales calls on subdivision developers and realtors. I was in the top 5 in sales volume every year of my employment. My closed loans were a fairly even mixture of FHA, VA and conventional loans with a high concentration in Construction to Permanent loans to builders and borrowers. My major area of business was in Cobb, Cherokee , North Fulton County and Henry Counties. The bank is now out of business.

The Celotex Corporation – Atlanta, Ga. 1982 – 1986

International manufacturer of building materials

Southeast Region Credit Manager, Atlanta, Ga.

Credit Manager over accounts located in the southeast region. My accounts receivable portfolio was in excess of $150 million annually handling accounts such as Trammel Crow, Plymart, Home Depot, Lowes, I.B.S.A and many others. My responsibilities were to develop and standardize written policy documentation related to the credit and customer set up process. Interface with sales to communicate credit decisions and ensure timely review of new customers. Make credit decisions within my assigned territory. Resolve credit issues with customers. Negotiate documentation and payment terms with customers to ensure transactions are properly secured. Developed and implemented management reporting and maintained a current status with my accounts.

Education and Training

Kennesaw Jr. College…………Kennesaw, Ga.

Business Administration 1970-71

• Dun & Bradstreet credit management and business analysis courses.

• Capstone Institute of Mortgage and Real Estate Finance.

• American Institute of Real Estate and Appraisal.

• Grubb & Ellis University courses in facilities management, investment analysis and site selection.

• Xerox professional selling skills course.

Contact this candidate