Manager Account Executive

Location:

Washington, DC

Posted:

October 06, 2012

Contact this candidate

Resume:

Ernest W Spriggs

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

Address:

City: Washington

State: DC

Zip: 20002

Country: USA

Phone: 202-***-****

Skill Level: Any

Salary Range:

Primary Skills/Experience:

To lend my vast expertise and willingness to work to become gainfully employed. Entry level position is acceptable with the opportunity for upward mobility.

Educational Background:

High School Dipolma from Saint Mary's College of Maryland, Leonardtown MD 1/2001 to 5/1983 (Business Administration and Social Sciences)

Job History / Details:

Objective

To obtain employment in the mortgage industry and deliver my expert level proficiency and knowledge of FHA, VA, Fannie Mae, Freddie Mac and Non- Conforming loans for a reputable financial organization.

Experience

November 2011 to Current

National Fidelity Mortgage Corporation Ellicott City, MD

Senior Loan Officer

Originate mortgages for home purchases and refinances.

Specialize in predominately FHA and HECM Reverse Mortgages.

Solidify contacts with local realtors, contractors, financial advisors and other referral sources.

Meet with all potential borrowers to honestly and thoroughly discuss the best loan program for them.

Analyze, review and underwrite predominately FHA loan packages for preliminary approval prior to shipping to investor.

Analyze all required documentation needed for processing and underwriting such as, reviewing credit, financial statements, applicable ratios and utilizing fraud detection techniques to ensure timely final approval.

Maintain proper knowledge of guidelines and compliance issues to avoid jeopardizing branch licenses.

Complete necessary training and obtain continuing education credits to comply with the various jurisdictions.

April 2009 to November 2011

Allied Home Mortgage Capital Corporation Ellicott City, MD

Senior Loan Officer

Originate mortgages for home purchases and refinances.

Specialize in predominately FHA and HECM Reverse Mortgages.

Solidify contacts with local realtors, contractors, financial advisors and other referral sources.

Meet with all potential borrowers to honestly and thoroughly discuss the best loan program for them.

Analyze, review and underwrite predominately FHA loan packages for preliminary approval prior to shipping to investor.

Maintain proper knowledge of guidelines and compliance issues to avoid jeopardizing branch licenses.

Complete necessary training and obtain continuing education credits to comply with the various jurisdictions.

May 2008 to April 2009

Allied Home Mortgage Capital Corporation Bowie, MD

Branch Manager

Opened and operated new branch independently from the home office in Houston, TX.

Interviewed and hired staff including loan officers, processors and other support staff.

Trained all staff in their job descriptions, set goals, mentored, monitored and motivated loan production.

Created and periodically reviewed business plan to ensure success.

Handled all financial aspects of the office including, but not limited to expenses, payroll, insurance, licensing, etc.

Advised staff of the many ever changing guidelines, policies and loan programs during the volatile mortgage industry.

Underwrote all files in-house, which were approximately 90 percentage FHA files, to the adherence of HUD regulations.

Reviewed financial statements, checked applicable ratios, credit reports, examined and evaluated appraisals to ensure accuracy prior to submitting file to prospective lender.

Fraud detection techniques were also employed to ensure the utmost integrity.

October 2000 to April 2008

Mortgage American Partnership Bowie, MD

Branch Manager

Responsible for the hiring and training of loan officers.

Assured compliance with RESPA laws.

Underwrote all files in-house, which were approximately 90 percentage FHA files, to the adherence of HUD regulations.

Reviewed financial statements, checked applicable ratios, credit reports, examined and evaluated appraisals to ensure accuracy prior to submitting file to prospective lender.

Submitted all loans to the various automated underwriting systems.

Managed and controlled overhead including, but not limited to generating of credit reports, overnight billing, copier and fax machine supplies, etc.

Promoted a professional and viable atmosphere in the workplace.

Utilized fraud detection techniques to ensure compliance and integrity.

Created reports and charts to adequately evaluate employees.

Worked personally with owner to strengthen company's net worth and create financial growth opportunities for all employees.

January 1998 to September 2000

Option One Mortgage Corporation McLean, VA

Account Executive

Solicited loans secured by real property from licensed mortgage brokers/lenders.

Underwrote loan files such as, analyzing credit, financial documents, asset statements and credit letters prior to submitting for final approval.

Sought and solicited new mortgage brokers/lenders to continually build client base.

Kept abreast of ever changing policies and guidelines within the company and the mortgage industry.

July 1995 to December 1997

Option One Mortgage Corporation McLean, VA

Underwriter

Responsible for reviewing financial statements, applicable ratios, credit reports, examining and evaluating transitions to certain accuracy, fraud detection techniques, report preparation, re-negotiation of loans, compliance review administration, providing performance feedback, communicating with customers, provide training and guidelines to junior staff.

Analyzed appraisals to ensure proper collateral.

Achieved maximum lending authority of $750,000.

Education

1983 Saint Mary's College of Maryland Saint Mary's, MD

Bachelor's Degree Business Administration and Social Sciences

Certifications

Licensed NMLS Mortgage Loan Originator, #194645

Licensed MD Mortgage Loan Originator, #13550, January 2008

Licensed DC Mortgage Loan Originator, #NMSL194645, April 2011

References

Trevor Jackson

Disaster Case Management