HOWARD M. FICHMAN

**** ****** **** ******, **** Worth, FL 33467 (C) 561-***-**** acw0af@r.postjobfree.com

Professional Summary

Goal-oriented Sales Person dedicated to high levels of customer satisfaction and meeting aggressive business goals. I thrive on challenge and change, uncovering client needs, recommending appropriate products or services and then backing up those sales with top-quality service.

Experience

South East Coast Regional Director 08/2015 to Present Benjamin & Benjamin, LLC – Lake Worth, FL

Responsible to evaluate the worthiness of business owners & Real Estate Investors for alternative lending products.

Generated business through cold calling, networking, and establishing referral partners

Designated lender for New York Bagel & Quench Cafe & Juice Bar.

Educated borrowers on loan guidelines and approval process

Recruit, interview, and train new sales associates

Outside Sales Consultant 10/2014 to 08/2015

Lenders Loan Capital, LLC - Lake Worth, FL

Responsible to evaluate the worthiness of business owners for alternative lending products.

Generated business through cold calling, networking, and establishing referral partners

Designated lender for New York Bagel

Educated borrowers on loan guidelines and approval process

Contract Management Coordinator 08/2013 to 09/2014

Ocwen Loan Servicing, LLC - West Palm Beach, FL

Responsible for the timely review and execution of legal documents drafted by outside counsel.

May be called upon to testify on behalf of Ocwen in legal proceedings regarding executed documents

Florida Notary

Senior Mortgage Processor 06/2012 to 07/2013

Digital Risk Mortgage Services, Inc. – Boca Raton, FL

Maintains daily prioritization to ensure pipeline mgt. meets required closing dates.

Reviews & analysis all documentation from borrowers & third-parties.

Recommended loan approvals and denials based on customer loan application reviews

Maintained friendly and professional client interactions at all times.

Adhered to all federal and state compliance guidelines relative to retail mortgage lending.

District Leader 04/2008 to 11/2012

Primerica Financial Services, Inc. - Lake Worth, FL

Profiled and analyzed investment products to develop customized financial strategies for clients' financial needs.

Answered clients' questions about the purposes and details of financial plans and strategies.

Interviewed clients to determine current income, expenses, insurance coverage, tax status, financial objectives, risk tolerance and other information needed to develop a financial plan.

Generated new business through referrals, networking, contacts, & outbound sales calls

Recruited, interviewed, trained, and developed new representatives

Managing Member/Owner 09/2007 to 09/2009

HMF Property Solutions, LLC - Boynton Beach, FL

Property Scout - Located properties with substantial investment potential for Real Estate Investors.

Identified & analyzed the profitability of real estate investment opportunities.

Analyzed credit worthiness and repayment abilities of buyers/sellers.

Determined the value of each property by means of property reports, & Broker Price Opinions.

Solicited and developed new business by cold calling and networking with Real Estate Investors.

Senior FHA/VA Loan Processor 06/2005 to 12/2007

ABN AMRO Mortgage Group, Inc./Citi - Sunrise, FL

Evaluated loan docs. and cleared conditions as per delegated authority

Conducted regular follow up with customers, realtors and other outside sources

Responsible for training new processors on FHA/VA guidelines

Education

Bachelor of Arts: Political Science / Minor Environmental studies 1993

Adelphi University - Garden City, NY

Certificate: Paralegal 1996

Omega Institute – Cinnaminson, NJ

Millions In Real Estate with No Cash or

Credit By Lex Levinrad – Boca Raton, FL 2014

Memberships

Broward Real Estate Investment Association (BREIA) 2013

Tropical Real Estate Investment Association – Founding Member - 2014

Distressed Real Estate Investors Association 2014

License

214 Life & Variable Annuity License - State of Florida 06/2008 to Present

License Number P152357

Legal Expense License - State of Florida 06/2008 to Present

License Number P152357

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