RESUME

WAYNE WALDRON

Upland, California *****

Home 909-***-**** · Cellular 909-***-****

E-mail: ad0rkf@r.postjobfree.com

SUMMARY

Career Highlights and Overview

Started my Career at HFC at 20 years old, quickly was promoted as youngest Branch Manager

at HFC. Achieved many Awards and Recognition - Insurance - Real Estate - Collections

Employee Development and Profitability . Promoted Branch Manager Glendora, Alhambra,

and Montebello.

Promoted to Div Real Estate Manager, promoted to District Manager of 13 branches, CA, Nv, AZ, KA, promoted to Department Manager at STARS -, Legal, Bankruptcy and Bad Debt.

Promoted to VP Director of Sales So Western Div as youngest VP Div Manager

See Resume for Continued Accomplishments throughout my career at Ameriquest,

Countrywide Option One, Banking and Mortgage

Work EXPERIENCE

Current ;

Axos Lending ; Phil Apodaca ;

From 2/17 to Current I have worked under Phil Apodaca

Mortgage Team as his Sales Manager;

Banking

Citibank - Upland 2012 - 2014

Loan Consultant ;

Many Accomplishments, Closed 199 Mortgage

loans 2013, No 1 in the Division . Many awards for Real Estate campaigns,

Quality, closing time, Client satisfaction. Promoted to oversee 3

bank Branches in SO Cal.

J P MORGAN CHASE Monrovia, November 2009– December 2010

Bank Manager

Responsible for oversight of all Banking compliance requirements

Hired, Trained Associates

Delivered superior customer service and sales results

Sold Mortgage Loans that were handed off to Mortgage Div

WELLS FARGO BANK Claremont, CA July 2008 – November 2009

Bank Manager

Responsible for oversight of all Banking compliance requirements

Hired, Trained Associates

Delivered superior customer service and sales results

Sold Mortgage Loans that were handed off to Mortgage Div

Mortgage

Gateway Mortgage

11/2015 – 1/2017

Regional Manager

Managed Area Branches in California until Gateway Corp office

deceived to exit the Calif market

Carrington Mortgage Services, Santa Ana. January 2011 March 2012

VP Western Division Manager A residential mortgage lender.

Growth stage operation focused on purchase and refinance transactions of single family residences. Tasked with growing the Company’s retail branch network in the Western U.S. Responsible for regulatory compliance, talent acquisition, training, and all P&L functions of the Division.

Opened 13 retail branches as of the 4th quarter of 2011.

Instrumental in the creation and implementation of training platforms.

Production has improved in each of the previous quarters in units, volume and revenue generated. Top Retail Division in the Company .

Worked with both Managers and Loan Officers working in the field building Realtor relationships

Countrywide Rancho Cucamonga, CA 2003 – 2008.

Regional Vice President – Responsible for the P&L and all aspects of operations in seven branches.

Oversaw Branches, Managers and staff of 150+ Associates

Managed training and employee development

Prepared budgets

Developed and implemented sales initiatives

Developed and implemented process improvements

ACCOMPLISHMENTS:

Opened nine new locations.

Recipient of five Sales Summit Awards.

Recipient of Two President’s Council Awards.

OPTION ONE MORTGAGE Irvine, CA 2001 – 2002.

Regional Vice President, Sales

Responsible for the P&L for three branch offices (Chicago, IL, Chantilly, VA, and Irvine, CA).

Oversaw Managers and staff of 110 Associates; managed training and employee development

Prepared budgets

Developed and implemented marketing initiatives and process improvements

ACCOMPLISHMENTS:

Increased net profit from $12 million in the 1999-2000 fiscal year to $36 million in the 2000-2001 fiscal year.

Increased production from $50 million in March of 2001 to $100 million in March 2002.

Project Manager

Developed Business Plan strategy and Technology Plan.

Developed sales and management training programs

Coordinated hiring programs with H/R for recruitment and selection

Analyzed and determined potential of existing and new clients

LONG BEACH BANK / AMERIQUEST MORTGAGE COMPANY Orange, CA 1992 – 2001.

Executive Vice President, Wholesale Division – Responsible for establishing and managing the administration and profitability of this new Wholesale Direct Division.

Developed and implemented business plan to establish a quality product and meet 2% expense rate

Selected personnel and developed productive team

Hired outside marketing firm

Met continuously with all Departments to ensure communication and support

ACCOMPLISHMENT:

Achieved volume of $10 million at the end of one year.

Senior Vice President/Director of Sales – Directed the productivity of 112 retail branches with $200 million in monthly volume.

Developed budget and expense analysis

Supervised three Regional Managers, twenty-one Area Managers, and 1200 employees in over half of the U.S.

Developed teams to achieve sales targets and maintain quality standards of operations and service

ACCOMPLISHMENTS:

Effected a turnaround in operations in the Mid West.

Planned and implemented expansion into East Coast market: opened 75 branches, including site locations and lease negotiation, ensured timely hiring and quality training; region became one of the top producing regions in the company.

Regional Sales Manager – Directed the activities of two Area Managers and 16 branches and spearheaded new expansion; reported directly to Company President of Retail. Promoted from Area Manager.

Resolved legal growth issues

Developed marketing budget

HOUSEHOLD FINANCE CORP., Southwest Division, CA 1977 – 1992.

Vice President/Director of Sales – Directed the activities of eight District Managers and 40-50 branches with a staff of 150 and $750 million in outstanding loan accounts in the Southwest Division.

Hired, trained, supervised, and motivated management and staff

Forecasted and established goals; monitored and evaluated progress

Developed and administered training programs

Participated in business planning, P&L, expense control, and budget analysis

ACCOMPLISHMENTS:

Achieved Best in Company Insurance Results, Best Productivity and Lowest Turnover in the Region 1992.

Ranked #1 in the company in insurance sold to goal.

Department Manager, Regional Collections – Managed staff in the Regional Collections Center.

Hired, trained, and supervised staff of 65-70

Managed legal aspects, including bad debts and bankruptcies

District Sales Manager, Ontario – Managed Branch Managers and $120 million in outstanding loan accounts.

Hired, trained, and supervised staff of up to 40

Audited, promoted sales, and oversaw credit underwriting and quality, loan account growth and collections

ACCOMPLISHMENT:

Top ranked District Manager in the company 1990, 1989.

Division Real Estate Loan Manager – Approved loans for the Division and provided sales training in the field to management and staff. Hired as Assistant Manager, El Monte, promoted to Branch Manager.

Hired, trained, and supervised staff

Handled foreclosures, including readiness for sale

ACCOMPLISHMENTS:

One of the youngest Division Managers in this Fortune 500 company.

Maintained the lowest turnover rate in the company.

Executive Sales Council, Orlando, FL, Division Awards 1990, 1988, 1985.

EDUCATION

MT. SAN ANTONIO COLLEGE Walnut, CA/CHAFFEY COLLEGE Rancho Cucamonga, CA

Police Science, Accounting

UNIVERSITY OF NORTH CAROLINA

Business Management Courses

Professional Training: Numerous Sales and Management Programs.

AFFILIATIONS

California Association of Mortgage Brokers – Board of Directors 2000.

Department of Real Estate license

NMLS # 511103

PERSONAL

2023 HICAP ; Medicare Volunteer Counselor

I have held up to 22 State Mortgage Licenses

2023 Received Life Agent License

Currently hold Real Estate License

Boy Scout and Cub Scout Leader

Poll Worker and Big Brother volunteer

Volunteer Flag football coach Summer 2023 Champs

Coach :Roller Hockey, Baseball, Soccer, Basketball

and Referee .

Married 34 Years

2 sons both Eagle Scouts both Graduated from

UCSanta Barbara

Oldest son a Tax Attorney youngest son - US Forestry Service

Very Active ; Travel, WaterSki “Single Ski “

Tennis, Golf, Hiking, Biking, Golf, Kayak,

Pickle-ball

WAYNE WALDRON

2206 North Third Avenue

Upland, California 91784

Home 909-***-**** · Cellular 909-***-****

E-mail: ad0rkf@r.postjobfree.com

Dear Sir/Madam:

The enclosed resume highlights years experience in all aspects of Finance and Mortgage Banking Management and Sales.

My background encompasses the development and coordination of sales programs and activities to promote growth, ensure profitability, and maintain quality standards. In an earlier position as Executive Vice President, I established and managed the company’s first wholesale division. Prior to that assignment, I was responsible for retail business in half of the country and managed the expansion into East Coast markets. Opened 23 East Coast Branches in 12 month period while living in Ca .

At this point, I am interested in exploring new challenges. You will find me to be professional in appearance and presentation. I believe the experience and accomplishments outlined in the enclosed resume, that I can add GREAT value to your Organization . My Extensive background in Executive management

experience across 40+ states.

Professional Experience; Mortgage License, Banking, Real Estate License, Life agent License and HICAP Medicare Counselor .

I would appreciate the opportunity to meet with you to discuss my background in greater detail in a personal interview.

Sincerely,

Wayne Waldron

Enclosure

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