Aaron Mintz

Email: abpnxc@r.postjobfree.com

Address: **** ***** *******

City: Waterville

State: OH

Zip: 43566

Country: USA

Phone: 419-***-****

Skill Level: Management

Salary Range: $50,000

Willing to Relocate

Primary Skills/Experience:

See Resume

Educational Background:

See Resume

Job History / Details:

AARON L. MINTZ

7855 Royal Hampton Lane Waterville, Ohio 43566

419-***-**** * abpnxc@r.postjobfree.com

Operations Manager

Professional Summary

Financial professional who is a self-starter and capable of effectively functioning with minimum supervision.

Known for taking initiative and skilled at meeting challenges and deadlines. A team player who is attentive to

detail and produces quality results. Computer proficient. Areas of expertise include:

* MBA Graduate

* 12 years residential mortgage sales experience

*15 years in processing, credit, and credit policy

*Thorough knowledge of residential mortgage processing, underwriting and closing procedures

*Thorough knowledge of federal lending regulations governing real estate lending

*Ability to analyze policies, procedures, and guidelines in a way that maximizes productivity but protects against risk

*Thorough sales technique/sales coaching skills

*Experience with multiple mortgage origination systems as well automated underwriting

*Safe Act registered

*Ability to motivate and act independently

* Thorough knowledge of conventional, government, and portfolio guidelines

*Coordinated operational and client service support for newly recruited loan officers.

*Conducted performance reviews, evaluate annual salary increases and identify developmental needs for all non-sales staff.

*Conducted periodic meetings to communicate policies and procedures; share best practices and promote teamwork.

*Identified and coordinated customer service and professional development training opportunities which are consistent with the company`s mission.

*Ensured compliance with company policies and procedures from an operations and service perspective/ including labor and wage laws .

PROFESSIONAL EXPERIENCE

Promedica Federal Credit Union * Toledo, Ohio 43614* 5/2012- Present

A multi branch local credit union

Director of Financial Services

Set pricing and guidelines for credit union and all branches. Tracked and maintained compliance in accordance with HMDA as well as all other federal and state guidelines. Underwrote files in accordance with credit union guidelines. Developed first mortgage program and negotiated pricing with third party servicer. Streamlined services offered to become more user friendly and efficient for staff. Managed and coordinated all financial products, service activities, expense management, growth, and retention of the sales force. Developed and coached employees to ensure they have a thorough knowledge and understanding of the origination process in order to meet or exceed financial objectives/ profitability.

Huntington Bank * Toledo, Ohio 43614* 1/2011- 5/2012

A regional bank and investment company

Personal Banker

Identify, develop and foster client and referral relationships. Facilitate opening of accounts, investment strategies, and the obtaining of credit with the bank. Analyze programs and client financial data to assist clients in choosing an appropriate product or program for mortgages, consumer loans, and investments. Consistently execute on Huntington`s referral process by introducing bank clients to other bank services for cross sell opportunities.

Attained Life and Health Insurance Licensure.

Obtained knowledge of internal banking and deposit procedures.

AT&T * Perrysburg, Ohio 43551* 6/2009- 1/2011

Leader in the telecom and digital television industry.

RSC

Identified, developed and fostered client and referral relationships. Analyzed customer needs for cellular, residential phone, home internet and home tv. Responsible for maintenance of product knowledge and operating systems knowledge.

Branch Employee of the Month 8 out of 12 months in 2010.

Moved due to high sales production to the highest volume location in NW Ohio area.

Bank of America * Toledo, Ohio 43614* 7/2008- 12/2009

National multi-faceted banking and investment institution.

MLO

Responsible for the sales and marketing of Bank of America mortgage loan products within bank policies and procedures as well as consistent, effective referrals of mortgage clients for other bank services, including the qualifying package of services, and insurance products. Executed effective mortgage marketing plans to meet and exceed agreed upon mortgage production goals.

Planned and implemented sales and marketing strategies.

Mastered interpretation of appraisals and title policies.

AMS, LLC * Toledo, Ohio 43614* 10/2001- 7/2008

Multi state mortgage lender.

Owner

Managed and trained a team of 5 professionals, developed a strategic sales growth initiative, and monitored monthly activity to assure quality customer service and consistent sales achievement. Established AMS, LLC from inception through successful operation. Managed and coordinated all prime mortgage origination sales and service activities expense management, growth and retention of the sales force. Developed and coached new employees to ensure they have a thorough knowledge and understanding of the origination process in order to meet or exceed financial objectives/ profitability. In charge of staffing and all human resource functions. Developed an expert knowledge of consumer loan underwriting, processing, closing and regulations. Developed an expert knowledge of FNMA, FHLMC, FHA, VA, TIL regulations, Equal Credit Opportunity Act, RESPA regulations, local and state real estate and finance laws .

Generated over $100 million in loan volume.

Obtained Property and Casualty Insurance Licensure.

Started Commercial Loan Division of company.

Mortgage Quest * Toledo, Ohio 43607* 5/2000- 10/2001

Ohio based mortgage lender.

Loan Officer

Identified, developed and fostered client and referral relationships. Originated residential and commercial loans. Analyze loan programs and client financial data to assist clients in choosing an appropriate mortgage loan program. Maintain a complete and thorough knowledge of Mortgage Quest mortgage strategies, policies and procedures, as well as secondary market investor's guidelines utilized by Mortgage Quest.

Planned and implemented sales and marketing strategies.

Reviewed appraisals for compliance.

MNMB * Toledo, Ohio 43614* 3/1996- 5/2000

Multi state mortgage lender.

Branch Manager

Managed and trained a team of professionals, developed a strategic sales growth initiative, and monitored monthly activity to assure quality customer service and consistent sales achievement. Managed and coordinated all prime mortgage origination sales and service activities expense management, growth and retention of the sales force. Developed and coached new employees to ensure they have a thorough knowledge and understanding of the origination process in order to meet or exceed financial objectives/ profitability. In charge of staffing and all human resource functions. Developed an expert knowledge of consumer loan underwriting, processing, closing and regulations. Developed an expert knowledge of FNMA, FHLMC, FHA, VA, TIL regulations, Equal Credit Opportunity Act, RESPA regulations, local and state real estate and finance laws.

Employee of the Year 1998.

Highest loan volume branch in 1999.

EDUCATION

Bachelors of Education

The University of Toledo, Toledo, OH, 1995

MBA

University of Phoenix, 2011

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