Sales Real Estate

Michael W. Hoy

P.O. Box **** Islamorada, Florida 33036 M: 239-***-**** Email:

*************@*******.***

Sales and Sales Management Professional

Highly motivated and experienced Sales and Sales Management Executive with

extensive expertise providing personalized service to high value clientele.

In-depth understanding of the sales process, particularly for high-value

client relationships, as well as all aspects of regulatory reporting, sales

operations, client support, and internal audit compliance. Skilled in the

art of engaging with clientele to match individual needs to tailored

products. Able to collaborate with lines-of-business leaders to increase

visibility of products to targeted customer base. Proficient in

envisioning and executing complex initiatives with minimal upper-level

support. Regarded for the ability to outperform department goals and exceed

customer satisfaction expectations. Particular expertise in transforming

underperforming divisions into highly profitable ventures.

Professional Experience

TIB BANK (2009-May 2011/R.I.F.)

Vice President / Private Banker

Fulfilled a critical role developing wealth-caliber clientele with

investible assets in excess of $1 million for this regional bank based in

southern Florida. Fostered long-term relationships with high-value clients

seeking private banking, business banking, and mortgage services. Conducted

in-depth analyses of existing customer base to target clients most likely

to benefit from highly personalized attention designed to cultivate wealth.

Provided personal care and attention to a broad spectrum of bank clientele,

meeting with the customer to identify unique financial needs and pair the

customer with the bank specialist best suited to tailor a solution.

Played a vital leadership role in training, motivating, and inspiring more

than 100 bank employees across 11 branches to promote a variety of banking

products and lending instruments. Collaborated with lines-of-business

leaders to increase the visibility of under-served offerings. Spearheaded

multiple initiatives to increase bank revenue, delivering significant

results with little executive management oversight.

WACHOVIA MORTGAGE (2008-2009)

Mortgage Consultant

Administered the origination, preliminary underwriting, scheduling, and

closing of residential real estate mortgage loans for high net worth

borrowers. Leveraged referrals from Realtors, builders, and existing

customer base. Engaged bank customers to promote different mortgage

programs, assisting them in determining suitable options and advising them

on credit qualification process. Employed analytical abilities and superior

understanding of product offerings to recognize cross-sell opportunities.

Ensured an exceptional customer experience throughout every phase of the

mortgage process.

M&I WEALTH MANAGEMENT (2007-2008)

Assistant Vice President of Real Estate

Provided personalized service to high net-worth borrowers seeking real

estate mortgage loans from this subsidiary of one of the nation's largest

commercial banks. Annual fiscal production averaged $30 million, and

average loan size was approximately $500,000. Cultivated high-value client

base using referrals from Realtors, builders, legacy clientele, and

internal referrals from wealth management and private bank representatives.

Provided expert guidance to mortgage customers, matching financial

resources and long-term plans with the appropriate lending instrument.

Identified opportunities for cross-selling other bank products. Worked in

conjunction with a variety of lines-of-business divisions to further

promote offerings.

WELLS FARGO PRIVATE MORTGAGE BANKING (2005-2007)

Private Mortgage Banker

Guided high net-worth borrowers through the mortgage process for a

subsidiary of this multinational diversified financial services company

with global revenues in excess of $85 billion. Operated as a key member of

a highly successful private mortgage banking team whose customer

satisfaction scores were the highest in the nation for three consecutive

years. Annual production was approximately $27 million, with an average

loan size of approximately $600,000. Empowered to process, underwrite, and

approve loans up to $650,000.

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Michael W. Hoy - Page Two

M: 239-***-**** Email: *************@*******.***

BANK OF AMERICA MORTGAGE (2000-2005)

Sales Manager / Vice President of Real Estate

Oversaw a staff of 12 originators and three support personnel for the

mortgage arm of the largest bank holding company in the nation. Increased

production from an initial amount of $60 million per year to more than $160

million per year while meeting and/or exceeding corporate customer

satisfaction and cross-selling goals. Personal loan production averaged $22

million per annum, with an average loan size of $450,000. Partnered with

lines-of-business leaders to ensure achievement of internal sales goals.

SUN TRUST MORTGAGE (1986-2000)

Assistant Vice President of Real Estate

Originated residential real estate mortgages from a range of sources,

including Realtors, builders, and existing customer base. Provided expert

guidance and education to banking customers at each phase of the mortgage

process, ensuring borrower expectations aligned with realistic financial

qualifications. Annual production was $30,000 per year with an average loan

size of approximately $300,000. Recognized as highest producer of all

departments for the Lee and Collier County markets for multiple sequential

years.

Education & Certifications

UNIVERSITY OF FLORIDA, Gainesville, Florida

Enrolled in School of Business Administration

SANTA FE COMMUNITY COLLEGE, Gainesville, Florida

Associate of Arts Degree

ACCREDITED WEALTH MANAGEMENT ADVISOR (A.W.M.A. )

Multiple sales, sales management, and mortgage underwriting seminars

Community Involvement

Board Member, Key Largo Community Preservation Foundation Board

Chamber Ambassador, Islamorada Chamber of Commerce

Member, Beautification Committee/Key Largo Chamber of Commerce building

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