Manager Sales
Resume:
Harry G. Richardson
Franklin, Tennessee 37064
Cell: 615-***-****
Objective:
To obtain a Position with a Bank or Mortgage Company, using my
acquired skills.
Education:
. Michigan State Univ.: East Lansing MI - BA Economics - (9/85 to 6/90)
. Devry University - MBA Accounting / CPA -Currently Enrolled
Training:
. Capstone Institute of Mortgage Finance - Certified Completion of FHA
Direct Endorsement Underwriter Training.
Related Experience:
Regions Bank / RandStad Staffing 7/2010 to Present
Conventional Underwriter Temp
. Underwrite Loans to Freddie, Fannie, and Portfolio Guidelines
. Review Credit Reports
. Review Appraisal
Community Loans of America 9/2009 to 7/2010
Financial Center Manager
. Handle the Operations of a 3 person office
. Oversaw all Sales and Sell Loans. Cross sell products.
. Oversee the Collections of the Office.
. Manage Cash Drawer to ensure the office balances
Lenders Title and Escrow 6/2009 to 9/2009
Sales Manager
. Solicit Realtors and Mortgage Companies for Title Work
. Closed Mortgage Loans
. Company decided to pull out of Nashville
CitiFinancial Auto 8/2005 to 6/2008
Buyer II
. Managed a Territory of 75 Dealerships.
. Review Credit Reports and Structure Deals
. Booked out Values of Automobiles Structured the Deal to fit the loan
to value.
. Final Underwrote Auto Deals
Peoples Choice Home Loan Inc- 4/2005 to 8/2005
Underwriter
. Underwrote Conforming and Non-Conforming Loans to Guideline.
. Used DU and LP for Conforming and Cleared Stipulations
. Conducted Appraisal Reviews and help Train other Underwriters on
Reviewing Appraisals.
. Reviewed Credit and Structured Loans based on Credit Scores.
. Conducted Fraud Searches and Identity Checks.
. Reason Left Center Closed.
Mercantile Bank - 10/2004 to 2/2005
Account Executive Tennessee
. Solicit Mortgage Brokers for Business
. Reviewed Credit and Appraisals to help structure loans for Brokers
. Company was Bought and Department was closed.
Primary Mortgage Corporation - 12/1999 to 10/2004
Manager / Production Manager
. Was hired to turn processing and operations around, and within six
months of being hired I turned the Processing and Underwriting around.
. In charge of the Processing and Underwriting Department. I handled
the Underwriting Duties for the Company; we dealt mostly in
Conforming, FHA, and Non-Conforming. I also handled Closings for the
Company.
. I did all the DU and LP underwriting for the Company
. I reviewed Credit and structured the Loans for the Company.
. I handled the Company Direct Mail Program.
. I also handled Compliance, Licensing and handled the Commissions/
Payroll and Accounting for the Company.
. We Closed Conforming, Sub Prime, and FHA Loans. Did all the DO, DU,
LP functions for the Office, handled Appraisal Review for Company and
Fraud Controls.
Decision One Mortgage - 12/1997 to 12/1999
Senior Final Underwriter
. I Underwrote Loans for the Company for Sale to Investors for our
Branch.
. Had Sign-off Authority of $ 500,000 in the Branch the 2nd Highest
Given.
. Underwrote to 14 Different Investors to Conforming and Non-Conforming
. Assigned some pricing responsibility for the Office.
. Did Appraisal Reviews for Office, Also train Junior Underwriters on
how to Review Appraisals and what to look for.
. Reviewed Credit and Structured Deals to Fit the Credit for the
Customer
. Used LP and DU and cleared stipulations for Conforming Loans
. Did Fraud and Identity Reviews for Customer
Ameriquest Mortgage - 6/1996 to 12/1997
Branch Manager
. Processed and Jr. Underwrote Deals coming out of the Branch.
. Reviewed Credit for the Customer and Structured Loan based on Credit
. Review Appraisals and structured loans accordingly.
. Had Profit and Loss responsibility for the Branch
Mercury Finance Company- Brentwood, TN 7/1995 to 6/1996
Auto and Consumer Loan Lending Manager
. Handled the Lending and Credit Decisions for the Branch
. Reviewed Customers Credit and Book Value to Structure the Deal.
. Left because the Company Filed Bankruptcy
CCCS of Michigan - Eastpointe, MI 1/1991 to 4/1995
Center Manager
. Did several Articles in the News Paper and Radio Shows on Credit.
. Was Promoted to Center Manager at age 24
. Was responsible for Hiring, Firing, and Training in the office.
. Had Profit and Loss Responsibility for the Branch
. When promoted to the Office it was the 25th of 25 branches in the
company when I left it was 5th of 26 branches and the fastest growing
First of America Bank, Pontiac MI 6/1986 to 9/1987
Utility Teller / Utility CSR
. Handled Teller Responsibilities
. Handled Bulk Money Responsibilities
. Handled CSR Floor Responsibilities.
Computer Skills:
. Literate on Microsoft Word, Excel, Publisher, Access, Power Point,
Outlook. Most canned programs can function on
. Good on Point, Encompass, DE/DU/ LP Mortgage Programs
. Good on Quick Books, Peach Tree, Lotus Programs, good on Payroll
programs as well.
Other:
. Notary Public for Williamson County State of Tennessee
. Member of Ducks Unlimited
. Member of Kappa Sigma Fraternity (was Social Chair for two years)
. Vice President for Kappa Sigma Fraternity for two semesters.
. Volunteer at Local YMCA Children Sports Leagues for 6 Years.
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