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Manager Sales

Auburn Hills, MI
January 31, 2019

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*** **** **

Lake Orion, MI ***62

248-***-**** Cell

Sales/Marketing/Operations Management


Self motivated and diversified professional with over 22 years of business management experience. Significant achievements include managing an operation of 60 employees with $115M to $125M in annual revenues resulting in over $70M in net profit yearly. Motivated and managed a sales team of 15 which consistently increased production by 25 percent. Responsible for an operational staff, which consistently exceeded corporate expectations, which made it one of the most efficient branches nationally. Cutting edge manager of sales, operations and marketing strategies. Budgeting and forecasting expertise with presentation and reporting skills.


Orion Lending 2016 to Present

Sr. Underwriter FHA/VA

Responsible for the initial review and decision of FHA, VA and Conventional loans

Underwrote Approve/Eligible, Refer and Manual downgrades loans

Reviewed appraisals, title, income and asset documentation

Prepped loans for final approval and closing

Dealt directly with the broker regarding the loan in process

Assisted in Post Closing issues as they arise

Pacific Union Financial 2014 to 2016

Sr Underwriter FHA DE EZ62

Responsible for the initial underwrite of FHA insured loans

Underwrite approve/eligible, refer/eligible and manual downgrades according to FHA guidelines.

Responsible for reviewing appraisal, title, homeowners insurance, income and assets.

Responsible for prepping loans for closing.

Involved with corresponding with the broker

Worked closely with account executives and brokers to restructure loans.

United Wholesale Mortgage 2009 to 2014

Sr Underwriter FHA DE: EZ62

Responsible for making the initial underwriting decision for Conventional, FHA and Jumbo loans.

Responsible for reviewing Appraisals, Title, Income, Assets and other pertinent documents required for loan approval.

Responsible for communicating with Brokers, Account Executives, Management and other internal staff members.

Involved in corresponding closing dates and submitting loans to the closing department.

Consistently among the top producers in the department.

Maintained significantly low error rate.

AAA Bank 2013 to 2014

Mortgage Loan Manager

Managed the day to day Sales and Operations of a Joint Venture between Auto Club Group of Michigan and United Wholesale Mortgage.

Responsible for training,,monitoring and mentoring all employees to ensure that production and quality were achieved.

Charged with developing a marking plan to the existing AAA membership of nearly 11 Million members.

Developed a complete workflow from origination all the way through post closing.

Took start up to profitability within 120 days.

Interacting with Senior and Executive management to ensure that all goals were met and exceeded.

JPMorgan Chase 2008 to 2009

Account Executive

Established a network of mortgage brokers to solicit residential mortgage loans.

Responsible for reactivating accounts.

Responsible for training and educating sales staff.

Responsible for tracking pull through, fall out, loan approvals, loan denials and rate expirations.

Maintained an 85% pull through in a challenging market.

Grew business 1000% in first 4 months.

Successfully reactivated 35 accounts.

Responsible to stay abreast of market conditions in an ever-changing environment.

Lehman Brothers 2005 to 2008

Account Executive/Area Manager

Established a network of Mortgage Brokers to solicit residential mortgages loans.

Consistently been one of the top producers in both volume and units. Averaged over $13 million in monthly production and was the number 4 producer in the Eastern Region for the month of August 2007 with over $17.6mm funded.

Made the President’s Club my first year of employment.

Countrywide Home Loans 2004 to 2005

Branch Manager

• Managed the day to day operations for a wholesale branch

• Increased production 22.5% from previous year

• Established policies and procedures to insure maximum productivity

• Maintained 31 Fundings Per Employee(FPOE) which is consistently in the top 5 nationally

• Successfully managed a staff of 55 to 60

• Branch is consistently in the top 3 in production nationally with monthly fundings of $350,000,000

1ST Financial, LLC 1999 to 2005

President & CEO

Started up mortgage company for builder and eventually took the company from a broker to lender

Established investor relations, policies and procedures, computer networks, training, payroll and accounting

Obtained warehouse lines, wrote quality control plan, obtained delegated underwriting authority from the investors, established policies and procedures for the post closing and shipping departments and developed a secondary marketing department

Established a Wholesale Lending Division and obtained third party origination approval from Investors

Hired and trained Account Executives and established a broker network

Wholesale Division was profitable in first month of operation and production has increased by 100% each year since inception

Successfully trained sales staff to increase personal production by 75%-100% over previous levels

Maintained a 50%-60% purchase ratio each year

Formed joint ventures with Builder and Real Estate Company which resulted in an increase in profits by 225% in 2003 and an increased level of business by 110%

IMC 1994 to 1999

Regional Vice President

Promoted from account executive and charged with building production for states in the Midwest and Southwest territories

Increased production in the Midwest 300% in the first year and 100% the next two years

Increased production in the Southwest by 100% in 1998 through reduction of sales force which cut overhead by 30%

Assisted executive management in devising policies, procedures and programs for the company

1st National Financial 1992 to 1994

Senior Loan Officer

Established network of referral sources to originate Conventional, FHA, VA, and Subprime mortgages which resulted in annual production of $15,000,000


Western Michigan University, Kalamazoo, Michigan Major: Finance

Bachelor of Business Administration - April 1992 Minor: General Business

Vice President Phi Gamma Delta Fraternity

All Conference Baseball 1986 and 1987

All State and all Conference Soccer 1986 and 1987

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