Manager Sales

ALBERT J. DIFILLIPPO

MORTGAGE LENDING & FINANCIAL SERVICES MANAGEMENT

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HOME: 401-***-****

CRANSTON RI 02921

CELL: 401-***-****

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EXECUTIVE SUMMARY

Operations Manager with over twenty-seven years experience in mortgage,

credit lending operations and management experience with comprehensive

knowledge of consumer lending, collections and marketing. Unparalleled

ability to recruit, mentor, develop and motivate employees. Proven

leadership skills and the ability to create a strong and effective team

that can operate with a high degree of intensity, integrity and

performance. Growth and results-focused, expert knowledge of business

coupled with core management and entrepreneurial qualifications.

Building a Successful Sales Business - Administration - Credit

Underwriting Marketing-P&L Management - Mentoring and Coaching- Loan

Workout Strategies

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PROFESSIONAL EXPERIENCE

EAGLE NATIONWIDE MORTGAGE COMPANY

A subsidiary of Eagle National

Bank

2009-PRESENT

Branch Manager: Start up retail branch for a federally chartered bank

licensed in 50 states. Developed sales and processing staff. Increased

sales volume productions every month while consistently maintaining

excellent loan compliance audits and reviews.

. Supervising, Training, coaching and monitoring loan officers and

processors.

. Originate and process all applications.

. Schedule and coordinate closings.

. Ability to recruit, interview, hire and develop employees.

. Manage personal and team production of monthly sales goals.

. Educate and train staff on federal and state compliance policies.

. Advanced knowledge of mortgage lending underwriting guidelines and

regulations( FHA, 203K, Conventional, FHLMC, FNMA, VA, Commercial

and private investors)

. Hold monthly seminars for realtors and first time homebuyers.

. Maintain an active call schedule for soliciting realtors, builders,

previous clients and new business development.

. Ability to manage P&L expectations with regard to leading a

profitable retail business.

. Meeting expense control and executing a strategic business plan.

UNITED EAST MORTGAGE

AND FUNDING CORP

1996-2008

President and Operations Manager: Start up company and grew to over 30

employees within the first four years. Increased business volume growth to

over 70 million dollars a year in volume by 2002, with the company

producing over a half billion dollars in volume and 3,500 units closed in

12 years.

Achievements and Accomplishments:

. Recruit, train, motivate and mentor loan officers and managers.

. Built a detailed and strategic business plan to enhance operating

performance and implemented tracking metrics.

. Established automated outbound marketing campaigns that successfully

produced over one hundred quality leads on a weekly basis.

. Plan, execute and track sales for incoming and outgoing marketing

campaigns.

. Supervised, trained and monitored Call Center operations for the

sales support team, producing over 100 qualified applications per

week.

. Conducted weekly and monthly seminars to realtors and first time

home buyers

. Establish company wide goals and expectations and skillfully tying

production objectives into P&L in and around loan responsibilities.

. Consistently ran ROE between 20%-30% annually.

. Conducting weekly training meetings concentrating on work

efficiency, customer service, sales goals, and product training and

compliance policies.

. Review all credit requests and serve as the "go to" person whenever

needed.

. Responsible for all state and federal regulatory audits and

consistently earning outstanding audit reviews.

. Consistently achieved over 90% customer survey satisfaction.

. Designed compensation programs and developed and implemented 401k

and profit sharing program to all employees.

FIRST DATA MERCHANT SERVICES

2000-2008

Agent/Vice President: Set up an independent sales organization to provide

payment-processing solutions to businesses and government agencies.

Achievements and accomplishments

. Increased sales force from zero to 6 employees within 18 months.

. Recruit, hire and train staff.

. Developed marketing program through new business corporations to

enhance better sales conversions percentages.

. Help to drive sales volume to over $200,000 within 2 years.

. Received "Rookie Of The Year" recognition award in 2001.

. Received the honor of "Most Improved" office award in 2003.

DIVERSE AMERICAN MORTGAGE

1994-1996

Home Equity Manager: Developed the home equity division for the company and

grew it to become the most profitable division within the company.

Achievements and Accomplishments:

. Designed marketing campaigns through telemarketing, mailings and

actively soliciting business from realtors, referrals, home

improvement contractors and attorney's.

. Recruited, hired and trained loan officers and loan processors, and

grew my division from one to six people within 12 months.

. Held training meetings for the entire company on a weekly basis to

improve productivity.

. Increased profit by product development and seeking out and setting up

over 10 new conduits.

. Implementing programs for loan officers to help market to their

clients and realtors.

. Ran open house seminars to educate and qualify first time homebuyers.

ITT FINANCIAL SERVICES CORP.

1982-1993

Branch Manager/Regional Manager: Promoted by one of the largest consumer

financial services companies in the country as Branch Manager within 2

years and Regional Manager with 5 years.

Recognition Awards: 1986,1987 & 1989 Top performing Branch

Manager of the year Award.

1990, 1991, 1992 Member of the President's Club. ( Chosen as

one of the top performing

branches in the country for demonstrating exceptional overall

performance and leadership

skills)

Achievements and Accomplishments

. Recruited, hired, trained manager trainees, assistant managers and

office assistants

. In charge of the branch's business development through consumer small

loan business, real estate mortgages, sales finance and insurance

products.

. Supervised all delinquent accounts from 30 day past due through 181

day

Delinquency with extensive experience in modifying and

adjusting payments

for clients and granted authority for loan workouts and

foreclosures.

. Increased loan and mortgage volume each year as branch manager while

maintaining total delinquency at or below 2.5%.

Received national recognition as one of the top branch offices in the

region for 1985,1986,1987.

Received the "1990 Top Performer Achievement Award" as one of the top

5 best performing offices in the company.

Promoted to Regional Manager in 1987, supervising five branch offices.

Conducting and overseeing monthly and quarterly meetings, implementing

expense budgets, loan and delinquency forecasts, and P&L's for each

branch.

Conducting monthly audits on branch offices to monitor and track

performances.

Developing action plans and to work in conjunction with managers to

improve the branch results as it performs to the bottom line.

EDUCATION

Community College of RI: Degree received (1982) Business Administration,

with a concentration in Management, Marketing, Accounting and Economics.

TECHNICAL SKILLS

Skilled with MS Windows 98, Windows Vista, MS Office (Word Excel, and

Outlook)

Extensive experience with Calyx software for Point.

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