Manager Sales

SALES & MARKETING ~ BUSINESS DEVELOPMENT ~ RISK MANAGEMENT

Exceptional, results-oriented professional in management, risk management

and compliance while holding key leadership positions. Skilled in

managing performance-driven teams with a broad understanding of corporate

objectives at all levels up to and including evaluating, analyzing, and

communicating financial and performance data to key stakeholders.

Exceptional communicator with a consultative style and stellar management

and retention capabilities. Demonstrated strengths and competencies in:

( Territory Development ( Risk Management (

Compliance/Retention

( Prospecting & Lead Generation ( Sales/Marketing (

Credit Analysis and Collections

( Underwriting/Processing ( Lending Regulations

( Management & Training

SELECTED ACHIEVEMENTS

Achieved mandatory Compliance and Risk audit reviews per OCC Guidelines and

Banking Regulations.

Researched and Reviewed all Lending Products FNMA,FHLMC,FHA & VA Loan

Products.

Direct Supervisor Senior Team Lead Supervision of 12 Credit Analyst Reviews

and Training.

Consistently exceeded company goals averaging 100 closings per month.

Mastered multiple loan servicng products including FHA, HUD, VA, FNMA and

FHLMC.

At Promontory Financial Group was at the Top of

QCAnalysts for Compliance Audits.

Researched and Reviewed all Bank Products to meet all Regulatory Compliance

Guidelines.

Reviewed all Loan Documents including Notes, Deeds,RESPA Documents &

Credit Bureaus for Risk.

Fraud Risk Management reviews to determine Scope and Determination for

Quality Assurance.

PROFESSIONAL EXPERIENCE

QC ANALYST/SENIOR TEAM LEAD

Promontory Financial Group/ Randstad USA

Orange, CA

Nov 2011 to 3/2013

Research, examine, and analyze mortgage loan documentation (i.e. FNMA,

FHLMC, FHA & VA, Products, SCRA, and loan servicing products)

including, but not limited to financial statements, income tax returns,

real estate appraisals, industry/demographic data, and credit bureau

reports to determine potential risks of various loan applications.

Prepare written analyses of borrower's financial condition, industry

trends, loan structure, guarantor and collateral support to recommend

approval or denial. Perform loan servicing research to recommend risk

ratings. File review and Submission of all Files to QA for closing.

Senior Team Lead in Charge of 12 CR Analysts & Training

o Key contributor responsible for determining scope, direction, and

overall guidelines for OCC Treasury Department.

o Enlisted to review and analyze credit practices for Payment

Process, Fees, RESPA, and Mortgage Balances.

o Conceptualized, developed, and introduced on going regulatory

strategy policies and procedures.

o QC review of all bank loan files FNMA,FHLMC,FHA and VA products to

meet regulatory and compliance guidelines.

o Researched and audited all loan files to meet Risk Management

criteria for closing.

SENIOR LOAN OFFICER

Ovation Home Loan/Grand Bank

Santa Ana, CA Sept

2010-Mar 2011

Identified, established and cultivated new and existing profitable

business relationships that yielded loan commitments for the

organization and value for the customer. Interviewed prospective

borrowers to analyze financial and credit data, determined customer

financing objectives and explained to customers products, policies and

guidelines. Provided clients sound mortgage advice based on a full

understanding of client needs as well as available products and their

benefits. Using consultative selling techniques, advised clients on

mortgage loan options and other financial products. Researched market

trends and performed competitive analysis to identify and recommend

strategies and process improvements.

Senior Account Executive/Wholesale

In House Lender

Santa Ana, CA

Oct 2009-Sept 2010

Contribute dynamic communication and analytical skills in handling FHA

government and conventional loans from inception to completion with

Wholesale Lender. Successfully contribute to business development by

using proactive prospecting techniques to generate new customers at a

fast pace wholesale environment. Pursued further career opportunities

with larger lender due to warehouse lending capacity and stronger

stability.

SENIOR ACCOUNT EXECUTIVE/SALES EXECUTIVE

Nations Direct Mortgage

Irvine, CA

Dec 2007-Aug 2009

Led the loan application process to assist customers with completing

loan applications; included but not limited to collecting information

for verification purposes, identifying any additional required

information, and providing all disclosures and forms as required by

federal and state legislation and corporate policy. Recommended loan

products and other services in the best interest of the customer based

upon the customer's financial status, goals, and needs. Negotiated

fees, discounts, rates, terms and conditions using corporate

guidelines. Monitored all rate locks on loans originated, closed

internally, or brokered to another lender.

AREA SALES MANAGER

New Century Mortgage

Irvine, CA

Dec 1996-May 2007

Drove the overall production volume relating to origination of

residential mortgage loans. Coached direct reports to achieve

production goals; actively managed under-performers to meet established

performance levels. Conceptualized and implemented strategic and

tactical plans for driving volume growth. Exceeded standards and

objectives defined by management for loan sales and cross-selling

objectives. Responsible for the overall production of the team

including the day-to-day management of each mortgage loan originator.

BRANCH MANAGER

EquiCredit Corp. of California

Woodland Hills, CA

Jan 1994- Oct 1996

Trained, coached, and supervised staff to provide operational services

to all mortgage functions to include origination processes and

operational requirements to ensure branch compliance with all company

policies and procedures as well as credit quality standards.

Successfully grew revenue by increasing branch receivables to reduce

and maintain low levels of bad debt through proactive risk management

and collection practices. Managed all aspects of daily operations

including business development, mortgage lending and credit analysis.

Strategically planned and coordinated workflow priorities to maximize

corporate resources and control costs while meeting customer

expectations.

Prior Experience

Branch Manager - 3 YEARS Western Family Bank, Colton, CA

Branch Manager - 8 YEARS American General Finance, Riverside, CA

EDUCATION AND CERTIFICATIONS

Associate of Arts, Business Administration, Riverside City College

PROFESSIONAL ASSOCIATIONS

Rotary Club

Chamber of Commerce

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