Richard Fernandez

*** ******** **** ******

Sterling, VA 20164

Dear Hiring Manager,

I am writing to express my keen interest in the position advertised within your esteemed organization. The dynamic opportunities and challenges presented align perfectly with my career aspirations and skill set. With over 30 years of comprehensive experience in financial services, including 22 years in the mortgage industry and 14 years in both collections and the credit card sector, I bring a wealth of expertise to the table. Over the past 11 years, I have served as a pivotal asset within a Service-Disabled Veteran Owned Small Business (SDVOSB) and an 8(a) Small Business, excelling as the Chief of Staff and Property Manager. In this multifaceted role, I collaborated cross-functionally, providing steadfast support to the CEO, Field Staff, Estimating Staff, Project Executives, Project Managers, and other Construction Team members. My responsibilities encompassed ensuring optimal resource allocation to drive the successful execution of every project.

What sets me apart is my innate ability to thrive amidst challenging environments, coupled with impeccable time management and organizational skills. I am deeply committed to continual professional growth and am eager to leverage my diverse skill set to contribute to your organization's success. I am enthusiastic about the prospect of discussing how my background and qualifications align with your organization's needs. Thank you for considering my application. I look forward to the opportunity to further discuss how I can contribute to your team.

Sincerely,

Richard Fernandez

RICHARD FERNANDEZ

Phone: 732-***-**** • E-mail: ad31q2@r.postjobfree.com •Serling, VA www.linkedin.com/in/richard-fernandez210

PROFESSIONAL SUMMARY

Seasoned financial services professional with over 30 years of diverse experience in the mortgage industry, collections, and credit card sector. Demonstrated expertise in property management, chief of staff functions, executive assistance, administrative support, and office management. Proven track record of success as a Chief of Staff and Property Manager within Service-Disabled Veteran Owned Small Business (SDVOSB) and 8(a) Small Business settings. Passionate about cross-functional collaboration, resource allocation, and project management, with a keen focus on achieving organizational objectives. Exceptional aptitude for handling challenging tasks in fast-paced environments, complemented by superior time management and organizational skills. Committed to continuous professional growth and eager to leverage extensive experience to drive success within a dynamic team.

PROFESSIONAL EXPERIENCE

KMC, LLC (formerly Knight Solutions, LLC), Leesburg, VA 2013 - Present Chief of Staff & Property Manager

• Acts as the trusted right-hand to the CEO, providing comprehensive support and strategic guidance in all aspects of executive leadership and decision-making, thereby enhancing operational efficiency and organizational effectiveness.

• Maintains property rentals by strategically advertising and filling vacancies, while negotiating and enforcing leases to uphold optimal occupancy rates and maximize profitability.

• Determines competitive rental rates through comprehensive market analysis, factoring in overhead costs, depreciation, taxes, and profit goals to ensure lucrative returns.

• Cultivates tenant interest by effectively marketing vacancies, leveraging referrals, and highlighting the unique advantages of location and services, thereby enhancing property desirability.

• Executes lease agreements with tenants, proficiently handling negotiations and security deposit collection to establish mutually beneficial terms.

• Oversees the maintenance of building systems by engaging and supervising maintenance services, ensuring the preservation of property value and tenant satisfaction.

• Orchestrates seamless office support services, including procurement and facilities management, to foster operational efficiency and streamline business processes.

• Facilitates the shipment of requested items, goods, or merchandise, optimizing logistical operations to meet organizational needs promptly.

• Manages all logistical aspects related to employees, from coordinating hotel accommodations to securing transportation, to ensure smooth operations and employee satisfaction.

• Assumes additional responsibilities as assigned, demonstrating adaptability and readiness to contribute to organizational success as needed.

Wells Fargo (formerly Wachovia), Charlotte, NC 2004 - 2012 Loan Processor

• Managed and led a team of 4, overseeing the meticulous planning, management, and maintenance of loan documents.

• Demonstrated exceptional multitasking abilities by effectively prioritizing tasks and supporting 11 departments.

• Acted as a proactive liaison, facilitating seamless communication between clients, agents, and various departments.

• Strategically gathered pertinent information to bolster loan structuring, approval processes, and closing documentation.

• Conducted thorough reviews of credit applications to ensure comprehensive accuracy.

• Diligently ensured compliance adherence by meticulously completing and reviewing loan documents.

• Fostered transparent communication with Retail Credit decision-makers, financial services branch management, and financial specialists to provide timely updates on loan statuses.

• Upheld data integrity across all application systems, meticulously validating information in AH, Workflow, and/or Lendscape.

• Verified payoff amounts and promptly collected when necessary.

• Maintained accurate records by consistently updating Workflow, Lendscape, and application handling tracking systems.

• Ensured seamless document package delivery to closing sites 100% of the time, leveraging the most efficient delivery channels available.

• Streamlined funding processes by accurately completing and submitting check request forms via fun mail to the funding department.

• Mentored and coached processors, fostering their professional growth.

• Stepped in as the point of contact in the absence of the team leader.

• Served as a subject matter expert, providing valuable guidance to team members and visiting observers within the processing area.

Fleet National Bank, Cranford, NJ 1999 - 2004

Post Closer

• Spearheaded the collection of fees from Attorneys/Closing Agents, ensuring seamless financial transactions.

• Accounted for and communicated fees received from Attorney/closing agents to the Accounting Department.

• Conducted meticulous file audits to ensure the accuracy and completeness of all documentation required for perfecting liens and meeting investor/regulatory standards.

• Proactively followed up with loan originators and various stakeholders to resolve documentation discrepancies and errors.

• Collaborated closely with delivery counterparts to ensure the timely provision of complete and fundable delivery packages to investors.

• Maintained data accuracy by reviewing and updating system data throughout the entire process.

• Consistently met or exceeded the established minimum number of loans processed per month, adapting to volume and business line requirements.

• Actively participated in cross-training initiatives to enhance team responsiveness.

• Undertook additional duties as assigned, demonstrating adaptability and flexibility. United Creditors Alliance, Marlton, NJ 1994 - 1998 Collection Manager

• Managed a team of 10 full-time collectors in a start-up environment, fostering their professional growth and development.

• Owned and expanded an installment loan collection portfolio from $1.3 million to $2.5 million. Citicorp Credit Services, Shrewsbury, NJ 1985 – 1994 Collections Manager

• Led and managed a team of 45 collection representatives, driving performance excellence and accountability.

• Owned and managed a $50 million credit card portfolio, demonstrating strong financial acumen.

• Received the Citicorp Service of Excellence Award in 1987 for exemplary service delivery.

• Recognized with the Collector Month Award for outstanding performance.

• Launched skip tracing initiatives as one of the first representatives from the region to do so.

• Evaluated and formulated reorganization and liquidation plans in Chapter 11 bankruptcy cases.

• Identified and implemented efficient strategies for collecting on delinquent accounts, consistently achieving superior results.

• Collaborated effectively with team members to promptly address customer challenges, cultivating strong relationships.

• Successfully collected delinquent MasterCard and Visa card accounts, surpassing predefined goals consistently.

• Demonstrated expertise in bankruptcy proceedings, including relief motions and debtor-in-possession financing.

EDUCATION

Rider University, NJ

TECHNICAL SKILLS

Microsoft Office and other software including MS Word, Excel, PowerPoint, Outlook

Contact this candidate