Customer Service Sales

Jamie L. Clifton

******@***.**.***

Cell 937-***-****

Professional Profile: Self Directed, Articulate, Integrity driven professional with 20 years combined experience in property

Management, mortgage origination, underwriting and processing, housing counseling, real estate

education, public speaking, marketing, and real estate sales.

Professional Experience:

Sept 2006-Current: Homeownership Advisor, HomeOwnership Center of Greater Dayton

Conduct interviews for a variety of housing-related areas including pre-purchase, post purchase,

default, and reverse mortgage as a general financial assessment. Provide comprehensive education about money management and the home buying process in the interview and or classroom setting utilizing a variety of materials and teaching methods. Assisted in creating and provision of a variety of educational programs. Developed a process and method for the Rescue Loan Program offered to help homeowners avoid foreclosure. Negotiate workout solutions with the loss mitigation departments of servicing centers for lending institutions, investors, and homeowners. Portfolio management of over 300 client applications for rescue loan, down payment assistance, mortgage loan and HECM loan products. Completed 121 HECM (Reverse Mortgage) sessions for 2014 and helped 45 clients obtain a HECM loan in 2014. Helped borrowers qualify for over 13,000.000 in mortgage loan products, refinance loans, and HECM loans. Developed relationships with appropriate public and private sector individuals and organizations for liaison linkages, partnership opportunities, and development of potential funding sources for educational purposes.

January 2006-September 2006: Loan Officer, Fifth Third Bank

Mortgage Sales pipeline of $1,650,000 in pre-approval status and $745,000 due to close when I left this position. Created a database of referral realtors. Created a For Sale by Owner program that has generated over $500,000 in closed sales within first month of implementation. Recognized as an effective relationship builder due to past history in real estate, housing counseling, and ability to educate the public. Building and managing solid client relationships while aggressively marketing and cross selling all bank services. Knowledge of available loan products, processing procedures, underwriting and general departmental guidelines were essential for this position. Managing pipeline for all originated loans through closing and complete required management reports. Maintained a high level of customer service with managing each applicant’s and support staff’s expectations.

January 2005-November- 2005: Purchase Specialist, Ameriquest Mortgage

Consistent achievement as a top producer in refinances. Achieved sales of 1.3 million per month. Promoted to Purchase Specialist in first year of employment to pilot new purchase program. Developed relationships with Realtors, Community Development Associations, Brokers, and Homeownership Organizations to continually expand our new purchase program. Coordinated events/homebuyer seminars for new business development. Maintained knowledge of available loan products, processing procedures, underwriting and general departmental guidelines. Managed pipeline for all originated loans through closing and complete required management reports. Maintained high level of customer service with managing each applicant’s and support staff’s expectations.

April 2004-September 2006: Realtor, Sibcy Cline Realtors

Returned to Sibcy Cline Realtors to resume the sales career that I had developed. Required to escrow my license due to new position with The HomeOwnership Center of Greater Dayton. Conflict of Interest.

July 2003-April-2004: Mortgage Specialist: Wells Fargo Home Mortgage

Job responsibilities as a Mortgage Specialist included underwriting low risk FHA, conventional, VA, and streamline mortgages. Decisioning included checking for accuracy, satisfying all credit, assets, employment, and property approval conditions before sending mortgage to close. Understand and verify all mortgage policy and procedures are in compliance with disclosure requirements and proper legal notices for various state legislatures. Analyzing all required documentation is included and accurate in the mortgage file before sending mortgage to close. Order missing information such as appraisals, flood certifications, and title work if not documented in the file. Customer service is top priority.

October 1998- August 2003: Housing Counselor / Debt Management Counselor / Marketing Coordinator: Lutheran Social Services Consumer Credit Counseling

Job responsibilities as a Housing Counselor and Marketing Coordinator included counselor activities, pre-purchase, default/loss mitigation, reverse mortgage, credit reporting, local housing initiatives, referral sources, and homelessness prevention counseling. Responsibilities as an educator included homebuyer presentations and workshops provided for the public and CCCS clients that cover topics such as affordability mortgages, real estate agents, shopping for a home,

the mortgage application process, credit history, and underwriting guidelines, the closing process, responsibilities of homeownership, and planning for a sound financial future. Responsibilities as a Debt Management Counselor included reviewing each client as an individual, determine their needs for living expenses, and deciding how much is left over to pay creditors. Other duties included development and implementation of a comprehensive community relations marketing program relating to housing issues, assistance in writing and developing policies, implementation and monitoring of administrative and accounting procedures, and writing programs for grants and other public/private funding sources. Assisted in creating and provision of a variety of educational programs. Developing relationships with appropriate public and private sector individuals and organizations for liaison linkages, partnership opportunities, and development of potential funding sources for educational purposes was an essential part of being successful in this position.

For a 5-month term in 2000 served as the Interim Housing Manager. Responsibilities included monitoring existing contracts with lenders, HUD, United Way, and other partners for service, compliance, and feasibility. Explore and establish new contracts for housing projects. Provide local and national leadership for client advocacy regarding consumer issues. Develop and implement housing programs. Develop mechanisms for data, CQI and file maintenance. Oversee development of homebuyer curriculum. Coordinate services with the Debt Management Program and other Lutheran Social Services departments. Write government, public and private sector grant requests.

February 1998- October 1998: Equity Lending Executive, Banking Bank One N. A. Responsibilities as an Equity Lending Executive included serving client needs, building relationships, problem solving, generating referrals, loan origination duties, and customer service activities. Specialized in the areas of affordability, credit history, and underwriting guidelines. Exceptional sales ability and achievement in consistently surpassing loan goals and insurance sales. Responsible for originating, processing, and closing equity products, Created a personal network of referrals.

July 1993 – January 1997: Realtor, Bill Lee Realty/ Jan 1997-Jan 1999 Sibcy Cline Realtors

Sales, advertising, and communication skills were essential to being successful in this position. Continual upkeep of customer data base, presentations, negotiations, sales lead generation, building long term relationships, advertising, problem solving, and constant interaction with the public were requirements for this position. Moved to Sibcy Cline Realtors in Jan 1997 Duties included Sales, Leasing and Renting all real estate listed with Sibcy Cline Realtors.

EDUCATION:

BA/Business Management - Antioch University Midwest obtained July 1999

AAS/ Real Estate Property Management – Sinclair Community College obtained March 1996

LICENSES & CERTIFICATE: Real Estate License obtained July 1993. Certified NFCC Consumer Credit Counselor 1998. (AHECI) American Homeowner Education & Counseling Training Institute obtained 2001. FHA HECM Counselor Certification obtained 2009. NMLS Mortgage Loan Originator License recertified 2014.

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