Mortgage / Financial Services Executive
Resume:
TIM RHODES
**** ******** *****, ******, ******** 21144
*********.**@*****.***
http://www.linkedin.com/in/timrhodes1
Focus of Interest: Mortgage Financial Services
QUALIFICATIONS PROFILE
Dynamic, results-driven, and performance-focused professional, with over 15 years of broad-based experience in the referral mortgage industry; mainly focusing on project management, call center sales operations, marketing, training, business development, and operational support. Intuitive and astute individual equipped with comprehensive knowledge in all aspects of business operations, from startup to successful company growth with continuous process improvements. Visionary leader and team-oriented executive; with well-defined negotiation, communication, problem resolution, and analytical aptitudes, contributing immediately to corporate financial goals and objectives.
CORE COMPETENCIES
Financial and Business Optimization Loan Processing Administration Funding Processes Sales and Recruitment
Growth and Development Impacts Strategic Planning and Implementation Customer Service and Relations
Regulatory Compliance and Standards Rapid Conflict Resolution Organizational Leadership and Team Building
PROFESSIONAL EXPERIENCE
NFM, Inc. Linthicum Heights, MD Jan 2012–Apr 2013
CORPORATE BRANCH MANAGER
Progressively led the entire corporate branch operations, which included staff hiring and training, marketing, pipeline management, lead management, production goal creation and monitoring, standard operating procedures, project management, regulatory compliance, and licensing management. Oversaw budgeting, forecasting, and final profit and loss (P&L) activities for multiple departments within the corporate office.
Highlights:
- Took an instrumental role as manager of the initiated merged sales group and wholly-owned franchise branch; successfully increased and optimized production for the group within the 8-month period.
- Built and implemented the latest project for the Internet Sales Division, a “no gimmick” model with very low margins and no lender fees with monthly funded loan production of more than 20 units per loan officer; contributed to the department success in achieving the highest monthly funded loan volume out of more than 20 branches within 4 months.
- Successfully won the SCORE award in 2011 for outstanding demonstration of the company’s values, particularly service, commitment, opportunity, respect, and excellence; outperformed other colleagues in the company.
NFM, Inc. Towson, MD Jul 2009–Dec 2011
Citizens Lending Group, Inc. Towson, MD Jun 2006–Jul 2009
Bay Capital Corp. Towson, MD Feb 2005–Jun 2006
Ameribanq Mortgage Group Towson, MD May 2004–Feb 2005
BRANCH MANAGER
Efficiently pioneered and executed a start-up business plan, enabling consistent monthly profit achievement within 120 days of start-up operations.
Highlights:
- Successfully owned, introduced, and operated franchise mortgage branches for key companies; solely accounted for spearheading the entire departments, which included Sales, Processing, Marketing, Human Resources, Accounting, IT, and Finance departments.
- Contributed strategic insights in accomplishing the following key initiatives:
- Creation and implementation of standard operating procedures (SOPs) for all departments
- Shrinkage of sales cycle length by continuously improving and maximizing efficiency of all key processes
- Marketing of the most qualified prospects by assessing lead sources daily in the quality improvement of leads
- Shortening of ramp up time for new sales people by conducting a continuous training schedule and curriculum
- Substantial decrease in sales team turnover by initiating constant production recognition, rewards, and motivation
- Reduction of wasted activities by holding all parties accountable for all production goals and requirements
- Improvement and maintenance of image with key customers by providing the most effective customer service and support throughout the entire loan process
- Achieved distinction as the manager for driving the branch as the top producing branch in loan production volume for all companies.
- Received acknowledgement as a driving force behind the successful creation and oversight of sales and operational staff companywide.
Eastern Residential Mortgage Columbia, MD Mar 2003–May 2004
SALES MANAGER
Presided over the team’s pipeline to ensure timely application of the loan process; rendered key assistance to loan officers in selling loans to difficult prospects; and spearheaded interview, hiring, and training of new loan officers. Solely maintained production reports and analyzed sales ratios loan officers on crucial parts of the corporate process.
Highlights:
- Provided expert and strategic leadership on the daily management tasks of approximately 30 loan officers in the startup mortgage brokerage firm, which included the following:
- Coaching and debriefing of sales calls
- Proficient evaluation of loan workups
- Preparation of loan presentations
- Quality control of loan packages delivered to key customers
- Accurate and final assessment of files submitted for underwriting concerns
- Conducted and facilitated one-on-one meeting with each loan officer on a regular basis to significantly evaluate performance, execute plans for improvement, and implement production goals.
- Created and instituted an ongoing training curriculum to improve the loan officer’s sales and operational aptitudes.
- Played a vital role in implementing a business plan, which included hiring, training, and supervising 30 loan officers, as well as supporting the operational support staff in handling loan application process.
Novastar Home Mortgage, Inc. Columbia, MD Oct 2001–Mar 2003
SALES MANAGER/TRAINING MANAGER (AUG 2002–MAR 2003)
Master-planned and administered a continuing training schedule for existing loan officers, including advanced sales techniques; compliance updates; organization and time management skills; as well as the accurate utilization of technology-based tools, such as Calyx interfaces, lender websites, and DU/LP. Took part in testing and implementing new marketing tools, particularly various internet lead sources and direct mail initiatives.
Highlights:
- Established a reputation for continuously handling increasing responsibilities by earning promotion to training and sales manager after serving as top ranking loan officer in production volume.
- Pioneered and facilitated a training program for all new loan officers encompassing the entire aspects of the loan process from lead generation to effective loan funding.
- Handled and helped improve all new loan officers to veteran sales team members and provided support in adhering to certain production standards.
- Maintained direct involvement with underperforming individuals in creating and implementing an action plan to achieve and surpass their sales goals.
EARLIER POSITION HELD:
MORTGAGE LOAN OFFICER (OCT 2001–AUG 2002)
EARLIER CAREER
VICE PRESIDENT Symetrix Inc. Frederick, MD Feb 1997–Oct 2001
EDUCATION
BACHELOR OF SCIENCE IN BUSINESS ADMINISTRATION AND MANAGEMENT, MINOR IN PSYCHOLOGY
Salisbury State University Salisbury, MD
LICENSURE
Mortgage Loan Originator’s (MLO) Licenses States of California, Connecticut, Florida, Georgia, Illinois, Maryland, Minnesota, New Jersey, New York, Pennsylvania, South Carolina, Tennessee, and Virginia
TRAINING
Leadership Project Management Time Management Sales
ACTIVITIES
Volunteer, American Heart Association (AHA); Maryland SPCA; and Christ Lutheran Church
President, Aliceanna Condo Association
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