CHRIS MORGAN

acxuup@r.postjobfree.com

706-***-****

SENIOR LEVEL: REAL ESTATE LENDING, SALES AND PORTFOLIO MANAGEMENT

Real Estate Loan Originations & Sales / Compliance / FINRA/SEC REG. / Forecasting / Real Estate Research Public Speaking / Operations / Portfolio Management / Agent Training / Insurance Services / Contracts

Over 20 years of experience in retail & business lending, real estate sales and management. Accomplished and credentialed professional with extensive transferable skills and experience. Numerous sales awards. Ability to build consensus and provide a vision for the organization while ensuring quality, compliance, and goals are achieved. Experienced leader and proactive administrator with demonstrated ability to motivate, gain support and cooperation towards organizational goals. Team-oriented and collaborative leader, showcasing knowledge in loan originations, operations, compliance, sales coaching, credit profiles, policy making, problem solving, tactical and strategic planning. Experience working with diverse employees and customers in stressful situations. Influential negotiating abilities, and exemplary public speaking and presentation skills

Advanced studies in Real Estate, Financial Strategies and Planning

The University of Georgia, Athens, GA

January 2014 – December 2015, (2 years, 0 months) Athens, GA

PRINCIPAL Broker & Real Estate Consultant/Strategist

PACIFIC MORTGAGE & REALTY, San Francisco, CA and Atlanta, GA

September 2010 – Present (6 years, 3 months)

Co-founded and launched a full service mortgage brokerage and real estate sales company. Producer and manager. Recruit staff, interface with realtors and developers to secure financing for individual purchases and construction of major projects. Provide senior-level direction for credit policies and underwriting guidelines. Provide expertise in forecasting, budgeting, and performance measurements. Identify and develop new opportunities while assisting in the support of existing projects and relationships. Provide in-house staff training on best practices and changes in the law. Identify staff’s strengths/weaknesses and train to strengthen weaknesses. Present sales and marketing strategies to agents. Successfully grew company with broad loan platform (conforming, non-conforming, FHA, VA, SBA Business) and home sales by recruiting, training, and partnering with community organizations.

As a consultant, I maintain active awareness and understanding of market trends and initiatives. Track and analyze pending legislation and law changes. Provide financial and business counsel to senior management. Prepare needs assessments and recommend priorities based on economic, market and demographic trends. Conduct housing and real estate market research; analyze, interpret and prepare studies and reports. Provide advice with respect to issues of financial and economic policy impact. Direct the analysis of enterprise-wide complex client needs in project areas. Perform public relations activities including development of promotional material and press releases. Identify strengths/weaknesses relative to organizational goals; develop specific solutions. Establish an environment that fosters critical thinking, creative problem solving, efficiency and accountability. Develop and deliver internal and external presentations

Directly hired 18 agents and support staff.

Principal negotiator in acquisition of $20 million warehouse line of credit

Established 3 new branch offices (located facilities, leased, equipped and staffed)

Real Estate Housing Compliance and Asset Management

City of San Jose

December 2007 – August 2010 (2 years 9 months) San Jose, California

Served as an integral member of the executive staff, accountable for strategic direction, of asset and compliance groups. Responsible for maximizing the performance and value of the City’s portfolio of real estate assets. Responsibilities included formulating and implementing a long-range real estate asset management fund including space planning and development. Effectively managed a $650M, 11,500 unit portfolio. Supervised a team of 14. Leadership role in the development of policies, budgeting, and auditing. Additional functions included coordinating and implementing special projects involving in-depth research and analysis of technical and policy related issues. Findings were delivered to senior management and the City Council both orally and written.

• Championed the transformation of underperforming compliance and asset management groups by training and developing existing staff, growing internal staff to 14 full time employees and building a pipeline of future talent.

• Established innovative programs that helped ensure compliance with polices, thus generating an increase in the portfolio valuation of approximately $100M+ in only 18 months.

• Gained recognition and received the Peer-to-Peer Employee Award for overall contributions and support.

Assistant VP / Originating Mortgage Branch Manager

Wells Fargo Home Mortgage/Countrywide Financial

June 2003 – August 2007 (4 years 3 months) San Francisco Bay Area, California

Managed and directed the operations of one mortgage branch and seven bank locations. Supervised, developed and monitored the performance of 38 direct reports. Internal regulatory compliance oversight and enforcement. Developed and updated policy manuals for branch managers, and loan agents. Established individual and branch production goals while managing daily branch operations. Maintained and cultivated a pipeline of new talent. Partnered with emerging markets group. Monitored market trends and identified strategic direction and product mix

for anticipated demand and legislative changes. Cultivated relationships with individuals and vendors to maintain strategic partnerships. Ensured federal, state, local and company compliance standards were strictly adhered.

• Established 3 new branch offices (located real estate, leased, furnished and staffed)

• Managed $1 million annual department budget (P&L)

• Annual branch sales of $265 million, up from $88 million / Increased net annual income by 638%

• Achieved 240% of plan / Presented with Manager of the Year Award / Manager of the Month (3x)

• Member Billion Dollar Club / Personal annual sales of $35 Million

Prior Government Employment/Internships

Legislative and Legal research and writing experience; The U.S. Treasury, The U.S. Department of Housing and Urban Development, U.S. Senate and House of Representatives, and Legal Aide Society

Education

Stanford University Graduate School of Business Stanford University

Executive Short Program, Managing in Groups & Teams M.A., Economics/Business

American University The University of Connecticut

M.P.A., Public Finance B.A., Economics/Political Science

Licensed Real Estate Broker #00955752 (Sales & Mortgage Originations 18+ years)

Tax Credit Compliance Certified Specialist

NMLS #914789 (Pending Renewal), Life & Health Agent #3079941

I have been a keynote speaker at various industry events and an adjunct faculty lecturer in loan originating, notary public, economics, and public finance at UC Berkeley, The University of San Francisco, and San Francisco State.

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