Manager Sales

James M. Nieman

**** ********* *****

Rochester Hills, MI 48309

Mobile: 248-***-****

Email: ***.******@*********.***

SUMMARY

Accomplished Lending professional with extensive management, sales,

operations and portfolio management experience. Flexible working in multi-

state environments with demonstrated experience analyzing competitor

products, rates and compensation trends. Dynamic, results oriented leader

who develops collaborative relationships across all levels of an

organization to facilitate accomplishment of work goals.

PROFESSIONAL EXPERIENCE

First Independence Bank, Detroit, MI

January 2009 to October 2009

Vice President Mortgage Operations

. Developed Secondary Market Mortgage Loan Policy and Procedures,

created Home Value Code of Conduct Policy that was accepted by

Correspondent Investors for Retail and Third Party Originations.

. Created Quality Control Plan that incorporated additional fraud

prevention and home valuation check points for every mortgage loan

sold in the Secondary Market.

. Set-up Bank Branch Referral Program to enhance retail mortgage loan

originations.

Citizens State Bank Mortgage Services, LLC, Subsidiary of Citizens State

Bank Clinton Township, MI

November 2007 to December 2008:

President

. Responsible for creating infrastructure of newly opened Mortgage

company including hiring sales and operations staff, executing

correspondent and broker investor channels, instituting quality

control, compliance and operations.

. In first eight months of opening, generated $ 250,000 in fee income in

a difficult 2008 Mortgage market.

Universal Mortgage Corporation, Subsidiary of Peoples State Bank

Troy, MI

November 2000 to November 2007

President

. Manage daily operations and long term strategic planning of a full

service Mortgage Bank. These responsibilities include oversight of

sales, secondary marketing, servicing, compliance, accounting,

recruitment and managing a wholly owned $120 million mortgage loan

portfolio.

. Set up comprehensive collections and loan modification group to keep

portfolio loan delinquencies under targeted rate.

. Responsible for more than doubling the volume of mortgage loan

production during first year at Universal, which resulted in a net

profit of $2.8 million in 2001. In 2002, production continued to

increase an additional 18% from the previous year. Company

experienced record production of $123 million in closed residential

loans in 2003. Despite the recent decline in the South East Michigan

real estate market, overall performance continued to exceed

Universal's previous record performance.

. Proven experience identifying, qualifying and closing strategic

businesses for acquisition to improve overall profitability of

business unit in new target markets. Acquired Ann Arbor based

mortgage broker as key strategy to diversify our client base in a

financially viable market.

. Developed a mortgage portfolio loan product that resulted in $107

million in closed mortgage loans in a 3 year period.

. Generated an additional $20 million in mortgage closings from Peoples

State Bank branch referrals within the first year.

Amera Mortgage Corporation Farmington Hills,

MI

December 1997 to November 2000

Executive Vice President/National Sales Manager

. Managed 10 net branches, 12 bank affiliates and a retail branch along

with a corporate underwriting center and sub-prime department.

. Production for 1999 was $322 million in fundings. This represented a

10% variance from 1998 performance at $359 million, despite industry

decline.

. Improved efficiencies in correspondent lending channels, implemented

document preparation procedures for net branches that allowed more

flexibility in the funding process. These improvements resulted in a

retail production increase from $148 million in 1997 to $359 million

in 1998 while reducing corporate overhead.

Increased bank affiliate production of Capital Bancorp Ltd. from $38

million to $91 million within one year.

North American Mortgage Company St. Clair Shores,

MI

May 1996 to December 1997

Branch Manager/Assistant Vice President

. Managed three branch offices providing loan origination, processing,

closing, and shipping functions, which generated $60 million in annual

fundings. Opened two satellite offices that increased production 52%

from previous year.

Norwest Mortgage Troy, MI

October 1994 to May 1996

Branch Manager

. Responsible for developing a start up branch operation. Recruited and

hired Loan Officers and support staff which generated $35 million in

production within first year of operation. Assumed responsibility for

two additional branches that were consolidated under my direction due

to the demonstrated production performance of my branch.

Independence One Mortgage Corporation Troy,

MI

(Mortgage Subsidiary of Michigan National Bank later sold to Norwest

Mortgage)

February 1991 to October 1994

Loan Officer

. Averaged closings of 246 units annually for 1992 and 1993. As a

result, awarded Top Unit award in the state of Michigan both years.

Averaged $22 million in annual fundings during this period. Earned

Chairman's Club award in 1992 and 1993 for ranking in top 10% of Loan

Originators. Ranked number seven out of 550 Loan Originators

nationally in 1992 and 1993.

. Closed $8 million in loan volume within first ten months as a Loan

Originator, qualifying for the Challengers Club award. This award

ranks Loan Officer's in top 25% nationally.

Michigan National Bank Troy, MI

January 1988 to February 1991

Branch Manager

. Managed a full service Michigan National Bank Branch that had a

deposit base of $ 35 million.

. Drove a 23% increase in Consumer Loan closings during first year. As

a result, the following year was awarded with Consumer Loan authority

which was only granted to one other Branch Manager.

. Led Michigan National Bank Oakland Zone for two consecutive years in

Merchant Bank Card Sales and closed Mortgage loan referrals

Additional Professional Experience in various Sales and Management Roles

including working as a Stock Broker after Graduation from College.

EDUCATION

Western Michigan University

Kalamazoo, MI: Bachelors of Business Administration, Major: Marketing

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