Sales Manager

AARON V. KALOSIS

N**** Meadow Wood Road Onalaska, WI 54650

(h) 608-***-**** (c) 214-***-**** ? *************@*****.***

Sales, Operations and Quality Control Executive

Profile

Entrepreneurial Executive with more than 15 years experience in managing

sales, operations, personnel and quality control at the branch, regional

and corporate level in both centralized and decentralized platforms.

Motivational management style with a record of building and maintaining

highly motivated sales and operations teams. Successful in identifying

opportunities for accelerated growth.

Sales and Operations Management qualifications:

Budgeting and Expense Control Strategic Planning

Staff Development and Motivation Risk Management

Presentations and Training Sales and Business Development

P&L Management Project Coordination

Quality Control Process Management

Professional Experience

Marine Credit Union 2009 - Present

Vice President Mortgage Lending

Senior executive responsible for all aspects of mortgage lending for 14

branches (Iowa, Wisconsin, Minnesota) from origination through loan

servicing. Oversight for budget and expense management, compliance,

reporting and forecasting.

. Built mortgage platform with scalability for merger readiness

. Created training program for both sales and operations

. Successfully centralized loan processing creating efficiencies and

promoting productivity.

. Increased net fee income from .82% to 1.92% points per loan.

. Developed policies, procedures and reporting.

Bank of America / Countrywide 2003 - 2009

1st Vice President, Quality Control & Investor Audit

Senior operations executive for newly established QC department for the

largest originator and servicer of mortgage loans in the U.S.

Responsibilities include creation of policies and procedures, development

of reporting and quality assurance oversight for all business channels

including wholesale, distributed retail, correspondent, fulfillment and

government. Hired, trained and supervise a staff of 30.

. Actively participated in Loan Exception Review Committee

. Oversaw investor, agency, monoline, counter party and MI company

audits.

. Reviewed repurchase requests, negotiated settlements and recommended

actions.

. QC representative for Government Lending Committee.

Bank of America / Countrywide Continued 2003 - 2009

1st Vice President, Underwriting

Senior operations executive responsible for all aspects of underwriting,

compliance, funding and post funding for 7 regions and 3 (NSC's) national

sales centers.

. Underwriting approval authority up to $2.5MM.

. Maintained acceptable quality levels while meeting volume goals.

. Interacted with RVP's and senior management from operations,

compliance and legal regarding loan issues, operational issues and

production goals.

. Managed the assets of the center including staff and facilities.

Vice President, Funding

Provided leadership, training and motivation for a professional staff of

110 employees including AVP's, funding manager's, compliance specialists,

funders, shippers, and administrative personnel.

. Supported funding volume of up to 5,200 loans per month totaling

$850,000,000 while maintaining highest compliance ratings within

the company.

. Selected to oversee start up (NCA) New Customer Acquisition division.

. Consistently led Division in fundings per employee.

Aegis Lending Corporation / Conseco Finance 2000 - 2003

Regional Vice President, Sales

Senior sales executive for the Southern Region of the retail mortgage

division. Broad scope of responsibility included P&L accountability,

strategic market planning, business development, sales forecasting, site

selection, training and personnel.

. Multiple winner of Top Gun Award for highest volume.

. Expanded start up region from 1 branch to 9 with offices in Texas,

Louisiana, Oklahoma and Arkansas.

. Coordinated branch openings with facilities, IT and marketing

including the review and negotiation of leases.

Area Manager

Promoted to reestablish, build and lead sales and operations for an

underperforming large retail branch. Supervised staff of 25, consisting of

processors, underwriters and sales associates. Managed P&L, lead

distribution, compliance to company policy and procedures, hiring and

training.

. Regained profitability within 6 months and lowered national branch

ranking from 112th to 22nd (out of 118).

. Maintained highest corporate compliance rating.

. Received Texas Loan Star Award for greatest positive impact to P&L.

Underwriting / Processing Supervisor

Responsible for processing, underwriting, closing, funding and shipping of

all loan files for top producing retail branch. Hired, trained and

supervised staff of 7 processors and underwriters.

. Branch consistently ranked top 3 in volume.

. Maintained highest quality rating.

. Underwriting approval authority to $500,000.

Patriot Mortgage Corporation 1998 - 2000

Owner / Chief Executive Officer

Established successful mortgage brokerage by implementing an aggressive

marketing and advertising plan that targeted an under serviced segment of

the market. Led all aspects of sales and operations that resulted in

$42,000,000 in funding volume in 2000.

Equicredit 1996 - 1998

Manager

Promoted to manager for wholesale branch after consistently ranking top 5

in company for volume. Developed strong relationships and loyalty with

brokers by providing superior customer service through product and

guideline expertise. Managed P&L, hiring and training.

Assistant Manager

Duties included oversight of processing, closing and shipping of loan

files. Responsible for maintaining current broker relationships and

generating new accounts. Branch consistently ranked in top 5 for volume.

Other Positions Held 1994 - 1995

Loan Officer/Underwriter

Professional references available on request

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