Sales Customer Service
Resume:
Thornton. Miller
abk32j@r.postjobfree.com
Dear Prospective Employer,
I am a diligent task-oriented person with the ability to perform well above
expectations. I have exceptional sales and customer service skills that
are transferable to any industry. In addition, the ability to analyze
information, make consistent quality decisions that yield profitable ratios
and returns for the company. My experience and knowledge in consumer
products, automotive industry that include financing, underwriting and
collections, and mortgage lending, regulations, procedures, and guidelines
etc. would make me an excellent addition to your organization. I also have
a great grasp of computer related functions to include various software
applications, and adaptability to new ones as well makes cross training a
breeze for me and the new organization that I will become a part of. The
following resume will provide you with the information concerning my
overall educational and professional background for your review.
My objective is to obtain a new position, that will allow me to utilize and
expand upon the previous skills and experiences that I have garnered over
the years, that include sales, customer service, management, effective oral
and written communication, data analysis/interpretation, income analysis,
account management, business development, marketing, business
administration, underwriting/underwriting guidelines, loan originations,
collections, credit analysis, financial statements, trends/forecasting, and
relationship building with business partners/potential clients as well as
learn new skills. In addition I am highly literate with computers and
various software applications that give me a unique skill set that can be
utilized in any industry, and will allow me to generate quality and
consistent results that will add to the performance and profitability of
the your organization.
It would be a pleasure to meet with you at your convenience to discuss your
company's employment opportunities. You can contact me at 404-***-****.
I shall look forward to hearing from you. Thanks for your attention and
consideration.
Sincerely,
Thornton Miller
Thornton Miller
abk32j@r.postjobfree.com
EDUCATION Bachelors Degree in Economics
University of Alabama at Birmingham, Birmingham, AL
Associates Degree in Business Administration and Sociology
EXPERIENCE Sr. Mortgage Loan Officer
RateSmart, Inc. September
2008 to June 2010
My Initial duties are to originate new Conventional mortgage
business by talking with potential clients by contacting clients
from internet lead sources, outbound calling to various lead
sources as well as taking inbound calls. Consult with clients,
review and analyze credit and current financial situation/data
provided to determine the best mortgage products available for
the client that would best suit there needs and offer the best
benefits for each situation. Evaluate the client's credit
reports; analyze financial data and income source(s) in order to
determine the documentation type for the loan programs
available. Prepare a sales proposal and present it to potential
client thoroughly explaining the benefits, savings, details, and
terms of the different loan programs available to them. Field
and respond to any questions, overcome any objections clients
may have, while educating them on related items, stay in contact
with client throughout the process from start to finish.
Gather, sort, analyze, review, and package financial information
received to best match with underwriting guidelines of several
different lenders in order to be able to place, process, and
close clients file in a timely, yet efficient manner. Coordinate
with closing/settlement attorneys, Processing/Underwriting
departments, title companies, appraisers, real estate agents and
other third party service providers in order to obtain
additional information, reports, inspections, and any other
related items needed to facilitate the closing of clients file.
Provide excellent customer service to clients.
Branch Manager
Benchmark Mortgage September 2004 - February 2008
Managed branch operations that included training and oversight
of Loan Officers, maintaining pipeline reports, accounting
reports, ensuring each closed loan file met Quality Control
parameters, accounting reports and other duties that relate to
management. My responsibilities also included origination of
Conforming and Non-Conforming loans by consulting with customers
in order to gain an understanding of what their particular needs
are. Educating and explaining the benefits, savings, and terms
of the different loan programs available to them. Obtaining a
complete 1003, evaluating credit reports, assessing the income
profile of the borrower in order to pre-qualify and sell the
appropriate loan product based on identified needs. Execute the
proper sales approach in order to gain the borrowers' business.
Obtaining and reviewing customer documentation as well as
appraisal reports and title commitments, etc. in order to
prepare the file for processing. Structure loans send RESPA
disclosures. Pricing the loan based on investor guidelines and
rate sheets in order to attain the most profitable pricing and
yield spread for each deal while offering competitive rates.
Account Executive
Ameriquest Mortgage Company, February 2003 - July 2004
I originated mortgage loans. My Initial duties are to originate
new business by talking with potential clients by taking inbound
calls as well making outbound telesales calls. Consult with
potential clients to get an idea of what their goals are and the
type of loan they are seeking. Evaluate the client's credit
reports; analyze financial data and income source(s) in order to
determine the documentation type for the loan programs
available. Prepare a sales proposal and present it to potential
client explaining the benefits, savings and terms of the
different loan programs available to them. Overcome any
objections clients may have, while educating them on related
items and the process from start to finish. Obtaining the
pertinent income, assets, and insurance documentation as needed,
from the borrower, in order to complete their file for
underwriting. Structure the loan based on program and/or
investor guidelines in order to gain the most profitable pricing
and yield spread for each deal while offering competitive deals
to my clients. Coordinate with Title/Closing Attorneys,
Appraisers, Processing and Underwriting Departments in order to
expedite the process from origination to closing. During my
time with this company I have earned Account Executive of the
month 6 months consecutively at our Branch, and named 3rd
Quarter Volume Leader.
Loan Officer
Home Capital, Inc., October 2002- January 2003
Responsible for originating, Conforming and Non-Conforming loans
by consulting with customers in order to gain an understanding
of what their particular needs are. Educating and explaining
the benefits, savings, and terms of the different loan programs
available to them. Obtaining a complete 1003, evaluating credit
reports, assessing the income profile of the borrower in order
to pre-qualify and sell the appropriate loan product based on
identified needs. Execute the proper sales approach in order to
gain the borrowers' business. Obtaining and reviewing customer
documentation as well as appraisal reports and title
commitments, etc. in order to prepare the file for processing.
Structured loans sent RESPA disclosures. Pricing the loan based
on investor guidelines and rate sheets in order to attain the
most profitable pricing and yield spread for each deal while
offering competitive rates.
Sales Manager
Drive Time formerly Ugly Duckling Auto Sales, Inc., October
2001 - October 2002
My duties were to assist in the supervision and training of the
Sales and Support staff. Render lending decisions on Auto Loans
based on an analysis of the customer's credit reports and
financial data. Structured loans based on company lending
guidelines that met with the identified needs of the borrower.
Prepared financial contracts and documents, executed closings to
finalize the sales process, contracted new customers, explaining
the terms and conditions of the sale. I handled customer
complaints, repair problems, and other issues that arose on an
ongoing basis. Managed portfolio of new loans in conjunction
with the Collection Manager in order to ensure the timely
payment of new accounts added to the portfolio. I worked with
outside vendors that provided repair, maintenance, and other
operational services as needed by the dealership. Appraised
vehicles brought in for trade to the dealership. Assist the A/R
office in the reconciliation of the daily cash receipts. I was
responsible for the profitability, gross and net margins per
unit, inventory aging, meeting sales and delinquency budgets and
forecasts respectively for the dealership. Collaborated with
other members and levels of management in an effort to identify
and interpret various operational reports so that daily changes
can be made to increase and maintain the efficiency of the
dealership.
Credit Analyst/Underwriter
Capital One Auto Finance, November 2000-
October 2001.
Credit Analyst/Underwriter, for a major secondary automotive
lender, where my primary duties included. Analyzing credit
reports and customer data in order to assess credit worthiness,
and render a timely credit decision based on company guidelines
and procedures. Communicate directly with Sales and Finance
Directors at large automobile dealerships nationwide on file
status, updates, or changes needed on client's files. Explained
the aspects of the underwriting decision and renegotiated loan
terms. Develop and maintain sufficient relationships with
dealers. Promote and sell the company's services in order to
increase contract capture rates. I consistently performed
within the top 10 of a department of 50 plus credit analyst.
President/CEO
Terrell Miller Auto Sales, Inc., February 1997-
March 2002.
Pre-Owned Auto Sales and Finance company where my duties
included: Hiring, training, and development of a competent
staff. Developed a working business model, forecasting sales,
budgets, and cost strategies that would launch a successful
operation. Created credit/underwriting guidelines for the
company. Generated Accounts Receivable portfolio derived from
sales driven new loan origination. Structured loan programs and
advertisements that worked in conjunction with the different
guidelines of outside lenders the company worked with in order
to sell the Accounts in the secondary market. Implemented
collection and recovery procedures, supervised the collection
function (from early to late stage delinquency including charge-
off accounts).
SKILLS MS Access, Word, Excel, Publisher, Outlook, MS Works, Calyx,
Encompass, E-Magic, LP, DU, Internet Explorer, Firefox, various
other computer programs and software applications.
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