Customer Service Sales

RODNEY THOMAS

***** ******** ***** *******, ***** 77083 /Mobile (870-***-*****

Email: **************@*****.***

Career:

Mortgage Professional with over 20 years combined experience in Mortgage Servicing Industry, and as a

Mortgage Broker and Mortgage Banker. Top performer, with a track record of consistently meeting and

exceeding sales goals, and customer expectations. Skilled at educating customers, reading profit and loss

statements, credit analyzation for on Loan Products and recommending best options that meet their short and

long term goals.

Skills & Qualifications

• Customer Service Relations • Regulatory Compliance

• Marketing Financial Products • Relationship Building

• Staff Training and Development • Conventional /FHA/ Underwriting

• Knowledge of Wholesale Lending Products • Revenue Growth Generation

• New Business Development • Branch Management

• Sales Management • Account Management

Professional Experience:

BIG STATE AUTO & TRUCK SALES

Houston, Texas

Assistant GM/Sales Associate April 2012 – April 2015

Previously trained in assessment which ensures all lending stipulations are documented prior to submitting to

auto finance lender. Responsible for acquiring financial information, and personal information of borrowers.

Record and file information very carefully within the boundaries of credit regulations prior to submitting

information on Finance Express. Act as a liaison between sales manager and banks or credit unions. Experience

in appraising vehicles for trade-in or dealer’s purchasing account. Accept and recorded weekly payments from

previous “in-house” financed customers.

SNELLING STAFFING SERVICES (Bank of America) DOJ / IRRP Programs

Houston, Texas

Loss Mitigation Specialist/Underwriter July 2012 – November

2012

Underwrite existing, pre-default or distressed FNMA/FHLMC loans to the new government HAMP

(Homeowner's Affordability Modification Program) guidelines. Analyze borrower(s) current financial

situation/hardship explanation and determine an acceptable monthly payment based on income, current

collateral value, and projected outcomes which may include principal forbearance. Prepare EXCEL

spreadsheets to determine specifics of loan prior to NPV Tests. Communicate directly with borrower to

explain denial reasons, when needed.

MORGAN FINANCIAL SERVICES

Houston, Texas

Loan Officer December 2006– May 2008

Responsible for preparing Modification packages for Homeowners. Underwrite existing, pre-default or

distressed FNMA/FHLMC loans to the new government HAMP (Homeowner's Affordability

Modification Program) guidelines. Analyze borrower(s) current financial situation/hardship

explanation and determine an acceptable monthly payment based on income, current collateral value,

and projected outcomes which may include principal forbearance. Collect and verify all financial

documentation to submit to the Borrowers Mortgage Company. Verify that modification documents

were executed and complete prior to shipping the documents to the Investor.

THOMAS FINANCIAL GROUP

Houston, Texas

Mortgage Broker/ Mortgage Banker January 1994–Nov.2004

Responsible for using interpersonal and communication skills to generate referral business, leads, and establish

relationships with individuals, existing clients, past clients, and Real Estate Professionals . Analyze borrower(s)

current financial situation/hardship explanation in dealing with foreclosures and determine an acceptable

monthly payment based on income, current collateral value. Collect and verify all financial data. Managed the

Quality control processes for each file prior to submitting the file to a Wholesale lender. Over sought the

packaging of closed loans and sold the closed packages to secondary market via correspondent lending.

Managed the processing and underwriting of Conventional, FHA and VA loans applications. Managed the

production and processing for 17 loan officers and 4 processors. Responsible for hiring and training of qualified

candidates keeping them abreast of any new policies, procedures and regulations in the Banking Industry. I

coordinated efforts with Country Wide Home Loans to sell packaged loans on the Secondary market via

Country-Wide Home Loans.

Military

Honorable – Discharged; Desert Storm; Army Combat Veteran and Iraqi Freedom ETS- 2006

Computer Skills

I’m proficient in sales/marketing and management; writing different types of financial and analytical reports.

Possess excellent Communication Skills. I’m adept in managing multiple tasks with superb organizational

abilities and employee leadership. I’m proficient in Microsoft Word, Access, Excel, Peachtree and PowerPoint. I

have proven negotiation, presentation, and closing skills which generate income. I Type; 75 to 85 wpm with less

than 1% error rate (if any).

Licenses and Certificates

Mortgage Broker and Mortgage Banker’s Licenses

EDUCATION

Masters of Science Completed 15 hours (continuing student)

Masters of Business Administration with a concentration in Finance.

UNIVERSITY OF HOUSTON, Houston, Texas 77048

Bachelor of Arts Political Science, Minor – Finance

UNIVERSITY OF ARKANSAS, Pine Bluff, Arkansas, 71601

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