JOAN KIRBY *

***** *** ***** ** #***, Poway, CA *2064 858-***-**** ac2bt9@r.postjobfree.com

Energetic and motivating leader with proven ability to effectively identify and qualify new clients. Prepare and do presentations, needs assessment, complete sales process though activation and successfully manage ongoing accounts. Self starter and strong independent worker. Highly adaptable to ever changing circumstances. Key member in any team developing and executing strategic business plans. Linkedin expert.

PROFESSIONAL EXPERIENCE

iDream Loans, Inc March 2017 to present

Operations Manager & Loan Officer Assistant

Create and manage compliance outline/adverse actions/ Pre & Post closing process

Create process/systems & manage operations for correspondent line

Manage complete pipeline

Manage all aspects of internal business operations

Maximize usability of CRM & LOS

Complete broker packages

Assist loan officers with all aspects of reverse and forward mortgages

Cornerstone Mortgage Group May 2016 to March 2017

Compliance/QC Analyst, scenario desk, Jr. Underwriter

Create internal QC procedure and perform pre-funding QC audit.

Wrote Policy and Procedures manual for company.

Successfully completed compliance/Quality Assurance portion of Fannie Mae interview and was ultimately approved to sell loans directly to Fannie Mae. The company was approved the first time to sell loans directly to Fannie Mae.

Maintain a high level of proficiency on CFPB, Federal, State, Agency and investor requirements as well as internal compliance and quality policies and procedures.

Perform in-depth reviews of residential loan files in accordance with internal and external QC standards, pre-funding and post-closing reviews.

Identify compliance defects and associated risks and recommend related improvement steps.

Collaborate with other departments as needed to address, investigate and resolve compliance issues.

Review accuracy of completed mortgage loan documents for loan selections regarding compliance standards and red flags.

Manage and ensure HMDA data scrub and reporting is accurate.

Develop final report of review results.

Joan Kirby 858-***-**** 2

Effectively communicate with loan consultants and processors

correct answers to program guidelines and borrower income qualification, evaluating transaction for accuracy and completeness.

Research and communicate directly with partners and management to gather information to formulate appropriate responses.

Research and comprehend complex investor guidelines.

Sign off loan conditions

Merit Financial February 2015 to May 2016

Manage all office operations

Prepare loan for submission by assisting loan officer with obtaining required information

work up loan to make sure borrower qualifies, including implementing status reports and pipeline reviews

Assist loan officers with daily duties, review documentation, calculate income, order credit

Valuation Vision Sept 2013 to Dec. 2014

VP of National Sales/Account Executive

Research, qualify and identify new accounts by use of social media, making cold calls

Implement needs assessment conference calls with decision makers set meetings, do on line presentations/webinars,

Complete sales process through activation

client retention

Linkedin expert, excellent prospecting skills. Use RelateIQ CRM.

Merchant Services Direct April 2013 to Sept. 2013

National Account Executive

Qualify and identify new accounts by making cold calls, scheduling appointments and meeting with the merchant to educate and sign. In addition to credit card processing other business development items we offered were accounting, payroll, telephone systems, as well as ATM ‘s.

United States Appraisals July 2011 – December 2012

Vice President, Client Relations/Account Executive

Qualify and identify new customers through research and phone contact

Implement needs assessment conference calls followed by web-based presentation

and often times face to face presentations

Joan Kirby 858-***-**** 3

Manage team of sales account executives

Client retention travel

Design and customize sales strategies to individual companies

Attendance of monthly conferences, meet with clients during conferences

Networking

Use Zoho CRM

Oversee social media groups/Q & A

AppraiserLoft January 2010 - July 2011

National Sales Manager

Qualify and identify new customers by cold calling lenders nationwide

Implement needs assessment conference call followed by web-based presentation and

sometimes face to face presentation

Research and find large volume banks, credit unions, mortgage bankers…

Design and customize sales strategies to individual companies

Maintain pipeline while accomplishing sales goals and managing team of sales reps

Use of Zoho CRM to track potential customers

SettlementOne January 2009 - December 2009

Regional Account Executive (valuation division)

Qualify and identify new customers by calling on leads provided 70 calls per day require

Implement needs assessment conference call followed by web-based presentation an

sometimes face to face presentation

Research and find large volume banks, credit unions, mortgage bankers…

Design and customize sales strategies to individual companies

Maintain pipeline while accomplishing sales goals

Use of Salesforce CRM

American Bank Mortgage Group January 2008 - June 2008

Branch Manager

Manage company operatio

Write Loan Officer/Loan processing training manual

Originate and process mortgage loans

Liaison with lenders, motivator, coordinator

Heritage Financial Services / Rancho Funding January 2006 – January 2008

Operations Manager

Joan Kirby 858-***-**** 4

Manage branch operations

Marketing strategies

Loan Originations/Loan Processing Manager

Motivator, Coordinator

UniTrust Mortgage May 2005-January 2006

Operations Manager/Processing Supervisor

Influential in establishing Reverse Mortgage dept including obtaining FHA approval

Supervise Processing Dept in addition to processing a full pipeline

Wholesale mortgage banking

Academy Funding August 2002 - February 2005

Operations Manager

Supervise loan officers, processors and other support staff

Create Loan Sign Up / Closing Dept

Responsible for training of employees and other staff

Travelstead Financial Services June 1991 - August 2002

Operations Manager / Sr. Loan Processor

Maintain peak efficiency of office operations

Design and presentation of training seminars

Selection of processing staff

Loan analysis

Evaluate and restructure job descriptions and responsibilities whereby increasing loan fundings

High level function in a fast paced environment

Citizens National Mortgage March 1985 - June 1991

Loan Officer / Sr. Loan Processor

Originate Conventional, FHA and VA loans

Pre-qualify potential borrowers

Presentations and training to realtors

Head of FHA processing division while maintaining processing of high volume of FHA loans

Crocker Mortgage Company January 1983 - March 1985

Loan Processor / Customer Service Representative

Joan Kirby 858-***-**** 5

Process and fund conventional loans

Maintain builder/take out loan relationships

Analyze impound/escrow accounts

Field high volume telephone traffic while maintaining peak efficiency and tactful relationships with clients

United First Mortgage May 1980 - January 1983

Customer Service Representative

Assumptions of FHA and VA loans

Field high volume telephone traffic

Maintain tactful customer service techniques

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