Customer Service Sales
Resume:
Nathan Rouse - NMLS ID *****
Cumming, GA 30040
***********@*******.***
Professional Summary
. A highly qualified and dedicated Mortgage Lending professional with
years of lending experience, including increasing market share through
competitive lending practices, gaining competitive advantage, managing
staffing, training, client relations, marketing, and financial
administration...
. Demonstrated ability to make a significant contribution to corporate
sales and profits, white maintaining a high standard of professional
excellence...
. Knowledgeable of all lending policies and procedures and individual
lending requirements, financing, closing, shipping, credit, customer
service, and training and motivation of sales staff...
. Expertise in customer service; satisfying needs, quality assurance,
promoting business image, building customer loyalty, commitment to
excellence...
. Experienced in credit analysis, underwriting, establishing rapport
with investors, title companies, credit reporting agencies, appraisal
companies and underwriters to achieve outstanding results...
. Profit-Oriented relationship manager with strong background in
secondary marketing, risk management, finance, operations, production
and IT solutions...
Acheivements
? AL, CA, CT, FL, GA MLO License ? Member American Association of
Lending
? MD, NJ, NC, PA, SC, MLO License Professionals
? FHA DE Approved Underwriter ? Consistently top producer in office
2002-2007
? Member GREFPAC - Georgia Real ? Ranked 1st in Region for company -
Estate January
Fraud Prevention and Coalition 2003 (202 LO's)
Member - ACAMS - Association of ? Achieved top 5%in Fee income
Certified throughout
Anti Money Laundering Specialists company 2002-2007
President
July 2010 to Current
PREO Mortgage, LLC - Atlanta, GA
. Responsible for designing and implementing all lending strategies.
. Manage all day to day operations of the company.
. Develop PREO Mortgage's national lending platform.
. Manage and grow originations.
. Developing and directing all secondary Functions and controls to
include pricing, risk assessment, warehousing, loan delivery and
investor reporting.
. Help create and implement operational and production policies and
procedures.
. Manage and Direct Sales, Underwriting, Processing, and closing staff.
Executive Vice President
June 2007 to July 2010
Aasent Mortgage Corporation - Atlanta, GA
. Developing and directing all secondary Functions and controls to
include pricing, risk assessment, warehousing, loan delivery and
investor reporting.
. Responsible for overseeing mortgage sales.
. Increased and managed production from $2,000,000 to $35,000,000 per
month.
. Converted the company from mortgage broker to mortgage banker in a
three month period.
. Streamlined systems that allowed the company to turn its funding
facilities up to 3.5 times per month.
. Designed and implemented Quality Control Policies and directly managed
Quality Control Department.
. Managed approximately 60 employees
. Managed and implanted all policies for each company department,
training management in aspects of them: Sales, Processing,
Underwriting, Closing, Post Closing/ Shipping, Compliance, Secondary
Marketing and Investor Relations.
Senior Wholesale Manager / Underwriting Manager
January 2005 to May 2007
Choice Capital Funding - Alpharetta, GA
. Responsible for QC audit on all loan files received from mortgage
brokers
. Had full underwriting authority to approve or deny loans.
. Zero buy backs during entire employment
. Developing and maintaining numerous wholesale lending relationships
. Served as second sign for loans outside other underwriters authority
. Top 3 in company for production every month
Senior Loan Officer / Team Leader
May 2002 to January 2005
Oak Street Mortgage - Atlanta, GA
. Provide expertise and leadership in conforming and non-conforming
lending functions, and incorporating product knowledge and lending
expertise to enhance corporate performance.
. Consistently held top producing status in office, as well as top 5
producer throughout region...
V.P. Secondary Marketing
April 2003 to December 2003
Caversham Financial - Stockbridge, GA
. Responsible for developing plan to take major mortgage broker to
correspondent status.
. Responsible for supervision of Closing, Post Closing, and shipping
departments.
. Set and Published company interest rates daily.
. Obtained and managed numerous warehouse lines of credit.
. Developed and maintained numerous Correspondent business
relationships.
Senior Loan Officer
January 2001 to May 2002
Homeowners Loan Corporation - Atlanta, GA
. Utilized extensive product knowledge and lending experience to
originate and close a wide variety of conforming and non-conforming
loans.
. Top producer in non-conforming categories.
. Consistently exceeded sales goals.
Director of Secondary Marketing
January 1998 to June 2001
City National Bank - Kennesaw, GA
. Develop and maintain numerous investor relationships, providing
opportunity to grow the business while selling FHA, VA, Conforming,
Non-Conforming and 125 loans.
. Responsible for selling over $20 million per month to investors in the
secondary market.
. Negotiated back-end pricing to sell bulk loans at a significant
profit.
. Accomplished in investor relations and negotiations with complex
contracts and pricing issues, resolving critical issues with tact and
diplomacy.
. In charge of managing numerous warehouse lines of credit, streamlining
operations and increasing overall efficiency.
. Able to develop and maintain relationships with investors to sell hard-
to-place loans.
Manager
February 1996 to January 1998
American Liberty Mortgage - Atlanta, GA
. Develop and manage the sales & marketing of 125 loans and non-
conforming loans, creating and developing a new non-conforming lending
division
. Recruited and chose the title companies, credit reporting agencies,
appraisal companies and compliance procedures for division, as well as
training and motivating sales staff.
. In charge of business and finance operations, including loan
inventory, financial administration, and quality customer service.
. Responsible for solving any problems with personnel, customer needs,
or operational inefficiencies.
. Oversaw, structured and approved credit decisions of customers and
management, as well as enhancing the relationship with investors,
including RFC, Household, Citifinancial, Wachovia, Sovereign,
Countrywide and other subprime lenders.
. Responsible for supervision of 20+ employees, overseeing the entire
Customer Service and Credit Department operations.
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