Sales Representative Management

Patrick Cabulong

*** ***********, #**** ~ Baltimore, MD 21202

410-***-**** Cell *******@***************.*** 410-***-**** Office

QUALIFICATIONS

Mortgage Lending ~ Business Operations ~ Client Relationships ~ Loan

Origination

Accomplished, goal-oriented executive with extensive mortgage lending

expertise paired with proven success in driving day-to-day operations and

creating top-performing teams resulting in dynamic business growth. Built

a fast-growing mortgage business from the ground up. Offers a strong

knowledge base in origination, processing, due diligence, and closing.

Committed to achieving the highest levels of efficiency. Excels at

identifying high potential talent while maintaining performance

accountability. Conversant in French. Additional capabilities in:

( Operations Management ( Relationship Building ( Loan

Processing

( Marketing & Pricing ( Database Management (

Personal Finance

( Compliance ( Process Improvements ( Pre-qualifications

CAREER ACCOMPLISHMENTS

City 1st Mortgage 1997 - Present

. Built a highly successful mortgage brokerage from the ground up,

delivering consistent year-over-year sales growth that doubled annual

revenue each year.

. Optimized operational efficiency through the introduction and refinement

of processes and systems that sustained high levels of efficiency.

. Integrated a streamlined prequalification process that provided proactive

assessment of applicants' credit ratings to ensure loan approvals.

. Commended by clients in recognition of incisive personal finance

recommendations encompassing a variety of debt reduction and refinancing

opportunities.

PROFESSIONAL EXPERIENCE

City 1st Mortgage, Baltimore, MD 1997 - Present

Owner / President

. Directed business operations and residential loan origination as company

founder and president overseeing a team of ten employees, ensuring high

performance through leadership by example.

. Recruited, trained, and evaluated mortgage loan officers and processors,

leveraging expertise in loan origination, processing, selling, pricing,

and closing.

. Spearheaded marketing strategy targeting customer segments such as

attorneys, accountants, financial planners, realtors, and home

improvement firms.

. Examined loan scenarios for approvals, pre-underwriting, and quality

control to maintain compliance.

. Analyzed underwriting conditions and developed closing sheets and

instructions for settlements.

. Mediated and resolved loan closing issues between investors, title

companies, and clients.

. Oversaw post-auditing of files following loan funding.

. Fostered outstanding relationships with investors, appraisers, and title

companies.

. Maintained approvals with Fannie Mae, Freddie Mac, and VA automated

underwriting.

Patrick Cabulong Page 2

PROFESSIONAL EXPERIENCE (Continued)

City Federal Funding and Mortgage Corp., College Park, MD 1994 - 1997

Mortgage Lender / Senior Loan Officer

. Managed all aspects of origination, processing, due diligence, and

closing, requiring excellent customer relationship building skills and

impeccable follow-through.

. Created marketing programs to generate new referral sources.

. Maintained and updated client database.

. Tracked investor loan programs to achieve a competitive edge.

. Provided training to junior loan officers in mortgage lending and loan

processing.

Tischer Nissan and Acura, Laurel, MD 1993 - 1994

Sales Representative

. Promoted and sold Nissan and Acura automobiles, including pre-qualifying

clients.

EDUCATION

University of Maryland, University College, College Park, MD

BS, Business Management, Minor in Finance, 1992

. Graduated on Dean's List

University of Maryland, Munich Campus, Munich, Germany

AA, Business Management, Emphasis in Small Business Management, 1989

LICENSURE & SKILLS

. Maryland Mortgage Lender License

. Maryland Mortgage Originator License

. Proficient in Word, Excel, Outlook, PowerPoint, and QuickBooks.

References Available Upon Request.

Contact this candidate