Sales Real Estate

Ronald Zolnick

949-***-****- ********@*****.***

FINANCE / INVESTMENT MANAGEMENT

Long-standing record of national success in financial product sales development and operations emphasizing risk

management. Key strengths include:

•

• •

Pipeline control Underwriting expertise

• •

Salability and Compliance MS Word and Excel

• •

Sales / Marketing MS PowerPoint

• •

Cost efficiency Point, Genesis, Data Trac

PROFESSIONAL EXPERIENCE

INDUSTRY MORTGAGE ASSOCIATES, LLC Laguna Hills, CA 2001-2009

Residential loan portfolio manager (contract employee)

Created, designed and implemented the loan portfolio development plan for 1-4 unit residential properties nationwide,

optimizing sales potential, revenue growth, and profit.

• Initiated a POS origination control system to track sales results vs. expense

• Reduced variable costs to an average 25 basis points and closing times by up to 50%

• Devised process to meet Agency and investor compliance, resulting in 100% accuracy of delivered loan files

with zero violations of reps and warrants.

• Utilized proprietary interest rate risk analysis and management techniques, achieving a consistent 95% pull-

through ratio while increasing gain by 50 basis points

• Grew production from zero to millions in monthly volume by employing successful marketing strategies with

an emphasis on customer retention, repeat and referral business

CTX MORTGAGE CORP. Irvine, CA 1999-2000

Mortgage Loan Officer

Originated 1-4 unit residential real estate mortgage loans for the parent company of Centex Homes, Inc. for the

Southern California sales territory.

• Directly solicited mortgage loan originations from purchasers of new construction homes, competing against

local, regional and national competitors including banks.

• Managed customer relations throughout building phases of up to 6 months, achieving over 90% pull-through

ratio to ensure customer satisfaction and builder/lender profitability

• Practiced sound interest rate risk management, with the result of all mortgage lending clients closing at or

below their contract rate of interest with no undelivered locks

• Achieved status of national top 10 in sales production

• Successfully managed personal mortgage pipeline to a corporate budget based upon quarterly production

goals

Ronald Zolnick – 949-***-**** Page Two

TRICOR MORTGAGE LENDING Huntington Beach, CA 1998-1999

Director of Mortgage Loan Production (contract employee)

As part of the executive team, was charged with designing and implementing a production model to manage

substantial growth in mortgage volume as a result of improving company’s market position and a declining

interest rate environment.

• Directed the integration of FHLMC Loan Prospector to point of sale, reducing lead generation time and

cutting upfront costs by 75%

• Negotiated all lending agreements between secondary marketing servicers, Wall Street investors, and private

placement securitization pools, reducing and even eliminating certain operating risks.

• Restructured the loan file flow from origination through underwriting to coordinate and streamline the

essential pre- and post-closing review process.

• Trained key personnel to achieve mission-critical unity

EDUCATION

Bachelor of Science, Finance, Metropolitan State College, Denver CO

California Department of Real Estate Licensee

FNMA and FHLMC Underwriting Course Certification

Certified Financial Planner Candidate

NASD Series 7 Registrant (previous)

Contact this candidate