Sales Manager

CHARLES E. DOBSON

**** ******** ****., **** *** 404-***-****

Jacksonville, FL 32207 *******@**********.***

PROFILE

Analytical compliance and contract management professional with extensive experience that includes compliance

recommendations, business unit support, relationship development and regulatory communications in banking/financial

services environments. Skilled in the planning, execution and review of compliance projects involving marketing material

review, risk assessment processes and business policies, procedures and controls. Offer extensive knowledge of federal

consumer lending laws that include RESPA, Fair Lending, Predatory Lending, Truth in Lending, Regulation B and Unfair,

Deceptive, or Abusive Acts or Practices (UDAAP).

Risk Mitigation Policy & Procedural Testing Regulatory Examinations

Compliance Oversight Training Materials Development Gap Analysis

Legislative Research Compliance Project Tracking Report Generation

Corrective Action Plans Internal Risk Reviews Screening Tools

PROFESSIONAL EXPERIENCE

FEDERAL DEPOSIT INSURANCE CORPORATION (FDIC) – JACKSONVILLE, FL

RISK SHARE ASSET MANAGEMENT SPECIALIST 2011-2014

RESOLUTION AND RECEIVERSHIP SPECIALIST 2009-2011

Served as technical expert in the review and implementation of asset management policies and procedures of acquiring

financial institutions (AIs) that signed Shared Loss Agreements (SLA) with the FDIC, with portfolios containing $693

million in acquired loan assets. Provided direction in identifying, measuring, monitoring and controlling risk associated

with loan workouts, modifications, classifications and other loss mitigation efforts. Reviewed and approved quarterly

certificates submitted through RTSP for reimbursement of eligible losses claimed.

Designated Technical Oversight Operations Manager for several FDIC contractors awarded Task Orders to conduct

compliance reviews and perform other tasks as detailed Statement of Work (SOW) designated by the Corporation.

Analyzed financial data (RADAR and SNL) obtained from banking industry portals to identify AIs engaging in

acts/practices in violation of Shared Loss Agreement terms.

Managed resolution of monetary findings and self-assessments noted by compliance contractors and documented

within the corporation’s Integrated Compliance Engine (ICE).

Analyzed effects of financial principals and economic trends on AI portfolios in different geographic areas.

Prepared analyses to monitor the disposition of large, complex loss-share assets; analyzed personal/corporate

partnership financial statements, budgets, appraisals and net present value calculations.

Initiated the surrender of policies with book values in excess of $60 million while detailed to the Asset Management

Department within ECTSO assisting Account Managers in redemption and collection of cash surrender values

(CSVs) of bank owned life insurance and D&O policies from failed receiverships.

Credited with creating a Post Closing Asset Management (PCAM) business evaluation plan for assigned

receiverships that addressed unique qualities of failed banks portfolio of assets (unfunded commitments,

participations, excessive delinquencies, concentrations of commercial loans to developers and other bank owned

assets).

Reviewed expenses submitted for reimbursement, including municipal and county taxes, expenditures to protect

and preserve asset value, and legal expenses accrued by outside counsel for litigation.

Consulted with FDIC Legal, OIG, bank senior executives and the Congressional Affairs Office on matters related to

SLA issues and Freedom of Information Act.

Presented case memoranda related to the disposition, modification or sale of large complex asset s to executive

loan committees, FDIC managers and corporate bank officers.

Received several commendations for exemplary performance and management efficiency.

TENET FEDERAL CREDIT UNION – ATLANTA, GA

BRANCH MANAGER 2005-2007

Oversaw P&L, financial performance, business development and overall customer satisfaction of a new branch.

Developed and maintained customer business relationships, as well as community relationships. Originated, processed

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and closed consumer loans and home equity lines of credit. Hired, trained, evaluated and managed performance of

branch personnel. Conducted sales meetings to ensure staff acknowledgement and understanding of product offerings

and sales goals; offered recommendations on achieving performance goals. Conducted sales and informational seminars

to educate the community and secure new business. Ensured branch balanced daily.

Managed all aspects of a new branch office from build-out through operation.

Teamed with Marketing personnel to ensure successful advertisement and implementation of new and existing

bank products.

Provided consultative support to customers; cross-sold products and services that improved customer satisfaction

and improved financial performance.

Audited input and maintenance of all branch transactions according to branch policies and procedures.

Worked with Risk Management to ensure safety and security of branch premises, property and assets and

implement loss prevention measures.

GEORGIA FEDERAL CREDIT UNION – DULUTH, GA

ASSISTANT BRANCH MANAGER 2000-2005

Assisted in management and oversight of the Credits Unions’ flagship branch. Originated consumer and mortgage loans

in support of sales goals and incentive bonuses. Opened accounts and referred products based upon customer needs.

Supervised branch teller performance to ensure accurate daily balancing. Supervised training and development of new

branch personnel.

Selected as Branch Security Officer; performed operational and security audits monthly to ensure compliance with

established operational policies and procedures.

Offered recommendations to senior management to enhance operational procedures to eliminate deficiencies.

Attended SEG groups to perform new member sign-ups and market credit union services.

WACHOVIA MORTGAGE COMPANY – DECATUR, GA

MORTGAGE LOAN CONSULTANT 1997-2000

Promoted mortgage loan products and services to increase homeownership among banking clients. Conducted

homebuyer education seminars for prospective homebuyers. Generated loans via outside sales activity and ensured loan

marketability in the secondary market. Originated jumbo loans and bridge loans for high net worth clients. Provided

expertise in local housing agency programs targeted to low/mod income buyers.

Ensured compliance with federal and state guidelines, including TIL, RESPA, Reg. Z and ECOA requirements.

Qualified and processed loan applications while being attentive to and compliant with pricing, income, credit,

assets, and appraisal value requirements.

Originated FHA/VA loans, conventional, construction / permanent loans and HELOCs utilizing Desktop Underwriter

(DU) platform.

EDUCATION

B.A., Business Administration

College of William & Mary Williamsburg, VA

SOFTWARE SKILLS

Calyx POINT Mortgage Origination software SharePoint

MS Word MS Excel MS PowerPoint MS Visio MS Business Objects

PROFESSIONAL CERTIFICATIONS

Certified Contract Oversight Manager Certified HUD Counseling Specialist

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