Linda Michael
Merritt Island, Fl. 32952
******@***.***
Qualifications Overview
I have over 35 years of experience in Banking, Financial Services, Mortgages,
Real Estate and Manufactured Housing.
I have a Bachelor of Science degree in Finance, an Associates degree in
Marketing from the University of Wisconsin.
Employment History
Merritt Island Village (106 Manufactured Homes )
Property and Site Manager - Mar. 2013-Current
American Land Lease
Pelican Bay (216 Manufactured Homes)
Savanna Club (1037 Manufactured Homes)
MH Sales / Assistant Manager – Nov. 2011-Mar. 2013
Licensed Florida Real Estate Agent
# SL32188321 2008 - Current
Certified Home Retention Consultant - Current
Notary Public, State of Florida
#1-255-***-****- Current
Commission expires May 14, 2018
Maintained and met Historic Sales Quotas exceeding any other previous
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Management in Sales and New Home development since the Ownership
of the Property in 2004
Experienced in the marketing, selling and servicing of resident accounts
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for manufactured housing.
Solid knowledge of the Manufactured Housing industry.
Management of 55 & older Waterfront Community
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Stronger Leadership and Management Skills
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Well versed and knowledgeable with DMV Dealer/Agent activities related
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to sales, purchases, transfers, of titles.
Worked closely with County Codes, Occupancy Permitting, Contractors,
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DEP and other governmental entities for the procurement of lot
preparation, New Manaufactured Home ordering, settings, setbacks,
blocking, preservation, land development,
Maintained resident accounts and serviced all aspects of the resident’s
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ledger including rent payments, tax payments, ACH implementation and
other associated fees.
Experience with both deeded and lot leased land, contracts and sales.
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Versed in all aspects from the application process to transfer of home
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ownership.
Worked closely with Realtors, Title and Closing Attorneys for the
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procurement of sale and closing documents on deeded land.
Conducted application credit and background checks
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Responsible for Community owned vacant lot maintenance & supervision
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to ensure uniformity of lawn grooming and other aesthetic features of lots
Responsible for vacant community homes to ensure utilities are paid and
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homes are kept at a high level of salability.
Provided manufactured home buying and selling assistance
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Strong ability to convince and lead
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Energetic, friendly, success-oriented and enthusiastic about manufactured
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housing and the lifestyle it brings
Pleasant and outgoing
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Exceptional customer-service
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Effective under pressure – Always meet deadlines
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Good written/verbal communication -
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Determination: positive attitude to hard work
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Skills in presentation making
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Promotion and advertising skills of high level
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Experience writing and/or editing marketing material
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Good with Excel, Microsoft Word, PowerPoint, etc.
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Willing to travel
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Proven aptitude in problem-solving;
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Experience in consulting potential customers towards residency and an
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optimal sale
Results-orientated
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Can operate independently and in a team.
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Certified Home Retention Consultant - Current
General Manager, St. Vincent de Paul Thrift Store a 501 ©(3) entity (2007-
2010)
Responsible for the management, marketing, advertising, sales and organization
of the non-profit store, and its 35 + volunteers.
Mortgage Broker, State of Florida, (2003-2007) the company I represented
was known as a specialty niche Sub-Prime Correspondent Lender. The company
as many in the mortgage industry; closed its doors under the pressure of the
failing real estate market.
Vice President of Banking for eBizTransform Inc. (1995-2000)
An e-Commerce Company in Boca Raton which I was one of five partners, and
served as Consultant to the financial industry on a B2B platform.
My responsibilities included serving as liaison between bank principals, state and
federal governmental agencies for the procurement of bank operations and
processing procedures of the company.
I was known for my experience to negotiate, institute and augment policies,
procedure and regulatory standards so that banks may conduct business in their
state and on the Internet.
I am well versed in bank charters on a state, federal and privatized level and in a
multi state capacity. Prior to this position I was:
President/CEO of Potomac Electric Power Company Credit Union,
Washington, DC’s largest utility company. (1990-1994)
I was interviewed for the position by the Board of Directors and the NCUA, a
Federal agency governing Credit Unions.
I accepted the challenge after being chosen from a field of 83 applicants, and
became the first female President in the Credit Union’s 57 year history.
My technical expertise and knowledge of bank procedural, operational and
regulatory compliance provided critical guidance to the credit union that at the
time of my hire had been classified insolvent and under conservator ship.
Developing a plan that included Due Process of loan asset/liability portfolios,
surety bond and other areas that could identify operational anomalies,
NCUA approved my business plan and 5-year time frame for qualitive review.
I met the goal in 18 months, lifting the LUA (Letter of Understanding), voiding the
conservatorship status which upgraded the organizations C.A.M.E.L.S. rating
from its score of (5)-the worst, down to a 1.8
NCUA adopted my 5-year strategic plan as an example and template for other
ailing credit unions. I also served dual positions as:
Vice President - Branch Administration/ Director of Sales Management &
Training - Trustbank. (1986-1990) Tyson’s Corner, Virginia
Trustbank, previously known as Dominion Federal Savings and Loan, with assets
of 3.3 billion and 38 branches located in northern and southern regions of
Virginia.
I was responsible for the management, administration, sales and production of
revenue for the 38 branch network, with assets over $535 million in my region.
As a licensed agent in Life and Health Insurance, in the State of Virginia, I
was the Company’s only tri-title holder of Trustbank
1. Assistant Vice President of the newly formed Trustbank Insurance Company
in addition to the roles of
2. Vice President of Branch Administration and as the
3. Director of Sales Management and Training.
During this time, I successfully commissioned the OTS and the FDIC to allow
Dominion Federal /Trustbank to engage in the sale of annuities. At the time,
these investment vehicles were only obtainable and transferable through a
licensed Insurance company and a state licensed agent, thus, the creation of our
new Insurance Agency.
This venture required newly written amendments to the bank’s charter and
bylaws, and led me to pioneer a program managing and supporting over 80
newly-licensed agents.
District Manager - Carteret Savings Bank, Morristown, NJ. (1985-1986),
Responsibilities included surveying demographic areas as new potential branch
sites, acting as principal liaison with contractors on facility design, security
system design, branch staffing, new branch operating procedures, business
development, strategic planning, media saturation, advertising and the overall
profitability of 7 branch offices in the DC, Virginia and Baltimore regions.
Additionally, I served as:
Project Manager/ Conversion Specialist - Marine Bank, NA. (1977- 1985)
A Milwaukee based corporation with over 6 billion in assets.
My responsibilities encompassed working with client banks under $300 million
who desired the ability to process in-house as opposed to outsourcing.
I was responsible for assessment of bank applications, custom GL tables,
application install support, client staff training and field support.
My region expanded 5 states.
Other Notables:
I designed custom workshops for 3 major commercial banks and thrift
institutions, authored various training and regulatory policy manuals, held
seminars in Sales, Business Development, TQS, Communication, Public
Assertiveness, Interpersonal Relation and, Coaching for Results.
I was recommended by the ABA (American Bankers Association) for the position
of Extended Education Instructor to teach a course on Selling Financial Services
for the Institute of Financial Education, East Coast Chapter.
I sat on the Board of Directors for a Florida Non Profit Organization, IDUKA,
an organization who creates loans for affordable college educations.
I originated the opening of a Thrift Store for this Organization. I
commissioned the state for 501 © (3) classification to develop the Thrift
Store and Hired Volunteers. I set up the GL accounting program and the
daily sales theThrift Store created an ongoing income stream for the
program.
New challenges are welcoming to me, as I remain open to change, humble to
learning and a tiger for sales.
I am submitting my Resume/ Bio because I am interested in pursuing a position
with your company.