Elizabeth M. Canizares-Brucker

** ********** ****, ****** *****, CT 06403

Home/Cell: 203-***-****

Email: ad2x02@r.postjobfree.com

CAREER SUMMARY

Management, Finance/Banking/Marketing Executive with strong marketing and sales abilities in building profits in a broad range of projects in the communities. Consistently worked for and supported C-Level Management. Numbers driven with exceptional analytical skills, management skills, decisive and a quick study, high customer focus, out of the box thinker with a “get done” attitude with a flexible hands-on approach, multi-tasking capabilities while demonstrating close attention to detail paired with a strong commitment to quality with outstanding computer skills. Proactive, able to work independently as well as build and work with diverse teams or work groups effectively with a record of delivering productive end results. A strong team leader that believes in identifying and developing a team brand to push forward a consistent positive team culture and efficiency in achieving the company’s stakes.

First County Bank – Fairfield County - Mortgage Loan Officer from 11/14/2016 to 11/2023- top producer NMLS License numbers: 58191 (CT/NY), Consistent top producer with 85% self-sourced business and with most efficient turnaround time. Consistently carried a perfect score 5/5 in all levels of performance matrix the last 6 years. Developed and managed Business Development Workshops/Events for over 600 guests and Community Outreach with excellent results. Responsible for development for CRA loan programs/prospects. Always asked to represent and speak for the Bank in various community events. Very knowledgeable on Bank wide Compliance. Production at $38M/year consistently. High purchase loan concentration. Involved myself with commercial lending loans as well with referred closed commercial loans of $6M-$8M/annually. Luxury Mortgage Corporation, Stamford, CT –Managing Partner/Director, Westport (10/23/2014 – 12/2015) NMLS ID: 58191 (CT/NY), FL MB493, NJ 0900797 and MA 58191 Business includes Commercial and Residential Mortgages. Also, a producing Senior Executive (residential/commercial). My roles include but are not limited to: General sales and branch management responsibilities for government compliance monitoring and reporting throughout the whole mortgage process, credit risk analysis and management, business, product and loan process development, general and overall management of the whole lending processes. Management of secondary markets. developed company teams, on-boarding and training MLOs, marketing and public relations as well as coordinating communications between CEO, CFO, Credit Risk and Compliance and members of the Sales Team as well as Affiliate Business Partners. Concentration in Customer Relations Management Systems as well as several social media platforms. Mortgage Master Inc., LLC – Greenwich/Norwalk, CT (6/08 – 10/11/2014), Branch Manager/Sr. Loan Officer. NMLS License numbers: 58191 (CT/NY), Fl MB493, NJ 0900797 Producing Residential/Commercial Executive with consistent volume of $30M/year. Managed the loan process, including processing, pipeline reviews, underwriting and risk management. Management of the secondary market (deal desk), soliciting of new correspondent relationships and selling to the secondary market to increase liquidity /competitiveness. Branch management responsibilities for government compliance monitoring and reporting throughout the whole mortgage process Responsibilities also include on-boarding /training MLOs and increasing branch growth and profitability.

GMAC Mortgage, LLC, Sterling Capital Sotheby’s, Right Trac Financial, Cannondale Finance, Fairfield CT Senior Financial Officer, (5/2002 – 6/08) – Consistent Gold Producer in the industry.

• #2 Top Dollar Volume Producer for Branch in 2007 (2004-2008) closing $45MM/year, GMAC LLC . Generated own Customer Base while developed various in-house relationships with real estate companies and corporations such as Cummings & Lockwood, PepsiCo and Golden Rod. Business Focus: Low to Moderate Income and Down Payment Assistance Programs for the state of CT. Learned First time Home Buyer programs both private and gov’t sponsored programs including FHA /CHFA/SBA loans.

• Managing Partner for Fairfield County for Right Trac Financial, Manchester for 5 years. Elizabeth M. Canizares-Brucker

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InterVenture LLC – Sole Proprietor (Self Employed) – Business Consulting & Commercial Lending (5/13/2003 to 11/17/2020)

• Assist in the creation/development of Business Plans of International Businesses moving to the US.

• Various Commercial Loans for both Residential Complex/Shopping Complex/Airport Project/New Auto relocating anywhere in the US. Also completed some Industrial paired with SBA loans. Xerox Corporation, (1997 – 2002) Stamford, CT -

Pricing Manager, Xerox Developing Markets (11/2000 – 4/2002) SCOPE: Managed all Pricing Issues for the Latin American Market which included three business sectors Xerox Division, Distributors and Channel Markets.

Assistant Marketing Director (1997 – 11/2000) served as Acting Marketing Manager the last year. Managed, on-boarding, training of Xerox Sales force. Interfaced with Xerox Foundation /Marketing for NE. SCOPE: Managed Sales Configuration and Customer Retention (Voice of the Customer). Conceptualized and executed operational-wide Direct Mail Campaigns, Developed Tele coverage focus for Northeast Operations, Managed National & Regional

Trade Shows for Northeast Operations as well as tracked ROI on these events. Executed and managed new product and service launch, creation of strategic sales directions, supported field activities and assisted in key account programs. Designed local advertising, promotional logos as well as web design. Managed community involvement for the Tristate Region such as the US Open, Pilot Pen, PGA Events, NLB/NLF sponsored team events, local golf events and national large scale trade shows in the Northeast Xerox and the Javits Conventional Centers. Developed and managed Sales Kickoff and Performance Award Events. Achievement awards for Event Marketing and for Benchmarking processes for Complete Sales Participation Tracking Report to territory levels creating a snapshot report making efficient daily management of Sales Activity. InterMatrix Group, Westport, CT - Associate Consultant/Sr., Research Associate (1992 – 1995) Marketing

• Generated and co-managed new clients for network programs, i.e., Connecticut Time-to-Market, Metro Time-to-Market (New York and New Jersey), Benchmarked Best-In-Class Practices and International Association of Product Development. Frequently partnered with McKinsey in various consulting projects such as “Best Practices” and “Time-To-Market”.

Not-For Profit Professional Experience: (see page 3 for all community involvement) The Entrepreneurial Center, Bridgeport, CT - Assistant Director (1995 – 1996)

• Successfully launched and ran pilot program with focus on working with Low Income welfare clients, developing, and perpetuating relationships with other agencies in the community, promoting mechanisms for recruitment of participants, developing curriculum, planning activities and teaching certain segments of the program. Developed a mini trade fair for the 19 newly developed micro-industries in Lower Fairfield during its pilot program that some qualified for SBA loans. Improved regional program that provided recognition by the Economic Development Office of Connecticut, the City of Bridgeport and other local profit and not-for-profit business in the region. Partnered with Lenders for SBA loans for new businesses. TechnoServe, Inc., Norwalk, CT - Administrator/Corporate Fundraiser/Events Manager (1989 – 1992)

• Managed annual expense budget and capital expenditures achieving considerable cost savings. Oversaw financial responsibilities, including payroll, expense reports, acquisition of physical facilities/ equipment/service. Created/reviewed procurement and administrative policies in the US and Host Country National offices. Managed Home Office and Host Country National Pension and Thrift Plans including Expatriate. Personally generated $400,000 raised from local sources including pro-bono services/goods. Elizabeth M. Canizares-Brucker

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OTHER COMMUNITY ACTIVITIES

The Westport Rotary Club, Social Chair, Newsletter/Scribe Chair and Lobster Fest Volunteer Chair – recruiting 350 volunteers to run the event from 2016 to 2019. 2017 Special Paul Harris Award for outstanding and highest volunteer and community services The Rotary Means Business, Club Representative for the Town of Westport Shellfish Commission – Town of Westport – was one of the five regular members of the Shellfish Commission that met regularly and was appointed by the First Selectman of the Town of Westport. Served a term of 2 years each time appointed and served for 4 years. Fairfield Women’s Exchange

Assisted in all aspects of their store. All profits of the Fairfield Women’s Exchange are to benefit many not-for-profit organizations in Connecticut.

American Heart Association, CT/NY – volunteer member and advisory board member Business Outreach Center Network (BOC)

Evaluated possible new businesses for the State of Connecticut and provided clients with various business consulting services plan, e.g., business plan writing, business loan application and other client needs.

Bridgeport Economic Development Corporation

Implemented several economic development workshops and programs. Metropolitan Business Association, Greater Bridgeport Implemented several economic development workshops and programs. Stamford Chamber

Implemented several economic development workshops and programs partnered with AWED

(American Women Entrepreneurial Development Corp). Churches for Economic Development

Assisted minority church projects in their economic development endeavors. Child Survivors of the Holocaust - Organized their Annual Weekend Event for all members in the US Council of Jewish Organizations, Boro Park – Economic Development Conducted a 6-month entrepreneurial training for the Hunts Point economic development project sponsored by the Council of Jewish Organizations and the Business Outreach Center Network. Mashantucket Pequot Tribal Nation

Represented them and five other economic development organizations both in city and state legislature to pass the opening of their casino. Also, assisted in the 5-town environmental development. March of Dimes

Spearheaded two major events, Walk America, and The Bid for Bachelors, achieving 15% over expected program goals. Responsibilities included recruitment of volunteers, fundraising, planning and organizing the whole event for the March of Dimes. Junior Achievement, Stamford

Represented Xerox Corporation as part of their corporate board members. Alpha Home, Bridgeport

Conducted cooking classes to the battered women and their children. ` Elizabeth M. Canizares-Brucker

93 Fieldstone Lane, Beacon Falls, CT 06403

Home/Cell: 203-***-****

Email: ad2x02@r.postjobfree.com

SUMMARY OF PERSONAL EXPERIENCE:

Education:

• BS in Management/Finance, Fairfield University (Magna Cum Laude) with 3.9 average. (1992- 1995)

• 1 Year Audited Only Masters Program, Yale University School of Management (did not graduate 1995-1997)

• Over 20+ years work experience in both Residential & Commercial Lending /Corporate Marketing/Non-For-Profit Fundraising.

Experience/Posses:

• 21 years of experience of loan origination / sales and service experience /Residential & Commercial Management experience.

• Strong management of government compliance monitoring and reporting throughout the whole mortgage process

• Managing Partner with Right Trac Financial (Fairfield County) - a mortgage Company in Manchester, CT.

• Managing Director/Operations Luxury Mortgage

• Branch Manager, Loan Depot (Mortgage Master), Norwalk Branch

• Strong Encompass background for over 18+ years

• Strong knowledge in Residential Bank Compliance

• Experience in the complete process of Residential Lending from origination to closing.

• Knowledge of Residential Fannie/Freddie underwriting guidelines.

• Knowledge of CHFA/FHA type loans.

• Knowledge of the Secondary Markets.

• Possess the ability to negotiate and discuss a variety of mortgage scenarios and follow through with appropriate recommendation for customer based on credit, estimated home value, income and other factors.

• Creativity in structuring loan transactions.

• Ability to interact and negotiate with customers and business partners.

• Demonstrate time management skills.

• Strong ability to multi-task.

• Goal-oriented.

• Detail-oriented.

• Active listening skills, with the ability to provide superior service. Physical Demands / Working Conditions:

• Ability to travel locally/internationally.

• 50% of time will be spent in-market meetings with prospects and clients in person, remaining 50% of time may be spent in local corporate office or home office location.

• References:

o Elizabeth Kalman – Tax Accountant, Richemont, cell phone: 203-***-**** o Tony McDowell, Executive Director EarthPlace, Westport/Westport Rotary past president, cell phone: 203-***-****

o Dave Zamary, Sr. Vice President First County Bank Residential Lending – cell phone: 203-***-****

o Singh Jagjigwan, Federal Officer at U.S. Department of State, 203-***-**** or email at ad2x02@r.postjobfree.com or work email: ad2x02@r.postjobfree.com - (currently in Shanghai, China) – worked with Singh at First County Bank LETTER OF RECOMMENDATION 1: Tony McDowell, Earthplace Westport Letter of Recommendation 2: Singh Jajigwan –

Singh was a Business Development Officer at First County Bank and we worked side by side in cultivating new business/customer base for the bank.

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