SHERI L. FRANCIS

**** *. ********* **., ******** LA 70737 225-***-****

ac6hvb@r.postjobfree.com

Sales/Marketing Professional

Summary

Motivated branch manager with an extensive career in financial services and a track record of driving sales & boosting company morale. Hands-On client-oriented professional who implements creative Business Development strategy and is dedicated to continuous Improvement Professional Experience

Closing Agent/Processor Bayou Title Inc. Z achary LA 10/1/17-Present Review all loan applications for accuracy, completeness and compliance Monitor and maintain an application pipeline

Image/index, review and submit completed files via the loan origination system to the underwriting department

Directly communicate with Loan Officers, clients, service providers and branch referring partner to gather and clear underwriting conditions; primarily responsible for documentation collection Provide exceptional service for both internal and external customers Ordering third party documentation; verify vendor orders are complete and invoices received. Communicate with various companies to obtain property appraisal, survey, flood certificate, title commitment and payoff information. Maintain knowledge of industry compliance standard rules and regulations, TRID, RESPA... .

Provide guidance, answer questions and act as a mentor to other less experienced Mortgage Loan Processors.

Review Hazard Insurance for required coverage and Insurance Carrier rating Review title work for seasoning requirements, liens, entity issues, etc... Review flood certificates for flood status

Branch Manager. A dvantage Financial.

Gonzales, LA. 11/1/16-10/1/17

Directing all operational aspects including distribution, customer service, human resources, administration and sales in accordance with the branch’s objectives. Providing training, coaching, development and motivation for bank personnel.

Developing forecasts, financial objectives and business plans. Assess local market conditions and identify current and prospective sales opportunities. Develop forecasts, financial objectives and business plans. Meet goals and metrics. Manage budget and allocate funds appropriately. Locate areas of improvement and propose corrective actions that meet challenges and leverage growth opportunities. Share knowledge with other branches and headquarters on effective practices, competitive intelligence, business opportunities and needs. Address customer and employee satisfaction issues promptly. Adhere to high ethical standards, and comply with all regulations/applicable laws.

Network to improve the presence and reputation of the branch and company. Stay abreast of competing markets and provide reports on market movement and penetration Manager Trainee OneMain Financial Baton Rouge, LA. 10/10215-10/01/16 Responsible for working alongside manager and accepting delegated responsibilities and duties with the goal of eventually becoming a manager.Work with manager to plan and direct the work of the organization, Help set policies, Evaluate work output. Inside and outside sales, collections, recruiting. Work in different departments to gain perspective, including marketing, sales, customer services, purchasing, merchandising, and personnel departments, Handle established accounts to gain familiarity. Participate with store management in interviewing, hiring, and training employees, Use company reports to analyze sales, gross profit and inventory activity. Identify trends and recommends proactive or remedial action to manage business situations. Report market activity to management by monitoring and analyzing competitive price lists and products. Work with and through management to develop and implement actions that protect company assets and profitability.

Sales Manager Coils Plus Wolcott, CT 6/2011-8/2015 Oversee new and existing accounts, maintain good working relationships with customers & keeping any of their concerns or problems resolved. Work closely with inside staff to make sure all orders are filled for customers. Have weekly sales meetings. Increased sales over 30% in first year. Processor/Office Manager Best Rate Mortgage Cheshire, CT 6/2005-3/2011 Knowledge of processing, underwriting and/or closing procedures and federal lending regulations governing real estate lending. Verify customer income documentation. Resolve routine title issues. Resolve appraisal disputes. Execute closing actions to ensure a time and effective closing process. Ability to manage a heavy pipeline of loans. Maintain a high level of customer service by being proactive in communication with customers, banking center associates and realtors. reviewing financial statements, credit reports, and applicable ratios(i.e. Debt ratios, loan-to-value). Examining transactions to ensure accuracy and completeness. Preparing formal reports for review. Ensuring that documents are consistent and uphold to company and industry guidelines. Implementing fraud detection techniques. Performing compliance reviews. Assisting with re-negotiations of loans based on lending guidelines. Contacting customers and partners to gather information to make appropriate decisions, explain rationale behind credit decision. Knowledge with FNMA/FHLMC underwriting guidelines and FHA/VA, Conventional Loans, Government Loans, ARMs, Fixed Rate Loans, Interest Only Loans, Fixed Rate Balloons. Proven experience working in a production based environment with the ability to meet and maintain company deadlines while showing attention to detail. Solid work history showing reliability and stability at all former employers. Professional demeanor and ability to work in a team environment. Flexibility and willing to work extended hours during potential heavy workload periods. Self-motivated and highly organized with the proven ability to prioritize multiple competing tasks. Proficient computer skills (MS Windows) with an inherent ability with numbers and ability to quickly analyze data and determine an appropriate course of action. Proven experience providing outstanding customer service support as may be working with time sensitive information and need to be able to communicate effectively with all levels of vendors and management. Branch Manager Aegis Mortgage Farmington, CT 6/2002-3/2004 Determines, coordinates and monitors branch and subordinate work procedures and activities, oversees loan processing procedures and progress, counsels AE’s on difficult loans and expedites loan closings to ensure timely and efficient branch operations. Directly supervises large volume of work and staff of assigned branch through leadership and guidance operating activities. Confers with representatives of financial institutions to evaluate, originate, generate and promote competitive loan financing programs. Ensures competitive loan packaging to meet the needs of assigned home-building divisions. Communicates information to subordinates and sales staff on current mortgage rates for available loan programs to assist the home buyer with financing needs. Reviews, analyzes and evaluates loan applications for appropriate loan programs and pre-approvals of financing. Verifies documentation for accuracy, neatness and compliance with procedures and policies. Coordinates real estate loan closings with appropriate Company departments and representatives, home buyers and appropriate agencies. Prepares and reviews operational reports for appropriate Company representatives. Recommends budgets to management. Establishes and implements training procedures for financing, rates and new loan programs. Training AE’s, helping them maintain pipelines and meet daily and weekly appointment goals. Making sure AE’s meet monthly production goals and helping them maintain organized and complete loan files. Riding along with AE’s to broker appointments. Talking to brokers daily to maintain relationships and negotiate rate reductions. Lead weekly sales meetings for staff to help inform and motivate them. Perform credit and property analysis on conventional loan files submitted within the time frame established by departmental management. Adequately and effectively explain in written and verbal form the decision reached in a manner that will maintain a positive relationship with all customers. Perform timely reviews of conditions submitted, as well as loan resubmissions. Typically handles higher risk loans. Analyze challenging loan packages to render sound credit solutions. Provides exemplary customer service to both internal staff and external customer by explaining credit decision and offering alternative options when needed. Perform timely reviews of conditions submitted, as well as loan resubmissions. Analyze challenging loan packages to determine alternative solutions. Process agency/investor exception requests as needed. reviewing financial statements, credit reports, and applicable ratios(i.e. Debt ratios, loan-to-value). Examining transactions to ensure accuracy and completeness. Preparing formal reports for review. Ensuring that documents are consistent and uphold to company and industry guidelines. Implementing fraud detection techniques. Performing compliance reviews. Assisting with re-negotiations of loans based on lending guidelines. Contacting customers and partners to gather information to make appropriate decisions, explain rationale behind credit decision. Knowledge with FNMA/FHLMC underwriting guidelines and FHA/VA, Conventional Loans, Government Loans, ARMs, Fixed Rate Loans, Interest Only Loans, Fixed Rate Balloons.

● Maintained am average monthly production of $20 million

● Ranked in the top 3 for branch production for six consecutive months

● Had 1 AE ranked #2 in district for production

● Brought branch from $0 to over $12 million a month in less than 3 months

● Brought clientele list to over 200 in 6 months

Account Executive NovaStar Mortgage Hartford, Ct 9/2001-6/2002 Sources new bankers/brokers

on an ongoing basis and submits required documentation for approval. Gain approval for 25-30 quality broker relationships. Conduct quality sales calls with prospective and existing clients including information gathering, product matching and policy education. Generate registrations which result in closed volume that represents pull-through of 65% or higher. Consistently fund a minimum of $5 million in closed loan production on a monthly basis. Work with management to actively project closed loan volume and consistently meet funding goals. Responsible for marketing and selling our loan programs to mortgage brokers throughout the Connecticut area. Continually calling on new clients and maintaining relationships with previous clients through consistent communications and effective follow-up. Conducting presentations for mortgage companies to train them on how to effectively use our mortgage software. Approve and close loans daily. Excellent communication and organization skills. Self-motivated and ability to work under minimal supervision. Maintain & develop broker list and broker relationship. Conduct quality sales calls with prospective and existing clients. Work together with your Account Manager to maintain an active pipeline.

● Ranked 12t h

out of 90 for sales volume in October 2000

● Brought clientele list from 10 to over 100 in 6 months

● Ranked 3r d

out of 90 for mid-month sales in February 2001

Owner/Broker First Federal Mortgage Baton Rouge, LA 3/1998-12/2001 Responsible for setting up all mortgage contacts with area attorneys, appraisers, title companies, advertising reps and lenders. Originated loans with clients and processed them through all steps of the mortgage process. Hired and trained loan officers to originate loans and met with them daily to maintain pipelines. Apply creativity and strong problem solving skills to achieve beneficial solutions for our clients. Recruit/manage other loan officers.

● Member of Greater Baton Rouge Mortgage Bankers Round Table

● Noticed as being ranked #1 mortgage company for sales volume for November 1999 Account Executive Delaware Savings Bank Baton Rouge, LA 1/1996-3/1998 Responsible for all wholesale loans closed in our branch through aggressive marketing and sales skills. Developed marketing programs to establish and maximize profitability based upon loyal client relations. Negotiating with clients and management to achieve mutually satisfying results. Sources new bankers/brokers on an ongoing basis and submits required documentation for approval. Gain approval for 25-30 quality broker relationships. Conduct quality sales calls with prospective and existing clients including information gathering, product matching and policy education. Generate registrations which result in closed volume that represents pull-through of 65% or higher. Consistently fund a minimum of $5 million in closed loan production on a monthly basis. Work with management to actively project closed loan volume and consistently meet funding goals. Responsible for marketing and selling our loan programs to mortgage brokers throughout the Connecticut area. Continually calling on new clients and maintaining relationships with previous clients through consistent communications and effective follow-up. Conducting presentations for mortgage companies to train them on how to effectively use our mortgage software. Approve and close loans daily. Excellent communication and organization skills. Self-motivated and ability to work under minimal supervision. Maintain & develop broker list and broker relationship. Conduct quality sales calls with prospective and existing clients. Work together with your Account Manager to maintain an active pipeline.

● Recognized as “Rookie of the Year”

● Ranked #1 branch for total sales volume several times out of 15 branches

● Ranked top sales associate in district based on sales volume

● Ranked top sales associate in district based on number of loans closed

● Brought client base from 0 to over 100

● Recognized as employee of the month

Education

1990 Wolcott High School Wolcott, CT High School Diploma 1996 Bob Brooks school of Real Estate Baton Rouge, LA Real Estate License 1998 State of Louisiana Mortgage Brokers License

Seminars

● How to manage multiple projects and meet deadlines

● Powerful negotiation skills

● Team-building skills for managers and supervisors

● Sales and Marketing

● 7 Habits of highly effective people

Computer Skills

MS Word, MS Office, Excel, Windows, PowerPoint, QuickBooks. Mortgage software: Caylx Point, Eastern, Genisus, Byte, DU, LP, Encompass, Greenfolders and Landtech Affiliations

● Volunteer in marketing for the future creation of Wolcott Dog Park

● Mentor troubled girls for Capital Empowerment

● Member of Connecticut Mortgage Brokers Association

● Member of The Greater Baton Rouge Mortgage Bankers Round Table

● Volunteer for coordinating several events for American Heart Association and American Cancer Society

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