Sean Middleton

Charlotte, NC ***** ad44uf@r.postjobfree.com

704-***-****

Highly qualified Mortgage Professional with twenty years of mortgage lending experience and eleven years of compliance, commercial and business development experience. I'm Self-motivated, known for strengths in supply chain /project management, client relations and all aspects of the Logistics industry with proven success. Given the opportunity, I am well positioned to make immediate and lasting contributions to any organization.

Authorized to work in the US for any employer

Work Experience

Owner/Operating Manager

Karolina Investment Group, LLC - Concord, NC

2020 to 2024

•Responsible for managing all supply chain functions, including flow of freight, deliveries, inventory control, shipping and receiving.

•Expanded business presence to include, refrigerated freight, Dry van, Rail, Port and Air Freight pickup, delivery and storage increasing revenue by 200%.

•Met with Shippers, dispatchers and transportation brokers to negotiate shipping rates, while resolving any complaints or problems.

•Dispatched drivers ensuring drivers were DOT compliant, while maintaining trucks and equipment daily.

•Maintained a cross dock for sourcing, storing, shipping and receiving freight from national and international clients.

•Managed all day-to-day operations to include hiring, training, payroll, customer invoicing, driver dispatching, book keeping and paperwork while making all final decisions.

•Responsible for Drafting all Manifesto documents for Shipping, Receiving and Cross Docking. Verifying accuracy/ of each item, while managing the supply chain movement.

Investor Relations Project Manager II

Brownstone Builders & Investments Inc - Charlotte, NC

2018 to 2020

•Evaluate market opportunities and the associated risk to invest in commercial and residential real-estate.

•Review market conditions and overall portfolio risk for each deal regarding proceeds, pricing and structure.

•Analysis and evaluation of geographic markets and investment risks in order to maximize investment opportunities. Having knowledge of opportunities present in each market.

•Manage and evaluate existing relationships with vendors with emphasis on production and project completion deadlines.

•Work with internal and external associates to facilitate the loan underwriting and closing process.

•Review and evaluate external Reports on each committed loan environmental, property condition, seismic, appraisal, etc.

•Demonstrate collaborative team approach in the overall acquisition process. While providing feedback to the managing director and associates regarding review and evaluation of commercial and residential deals.

Wholesale Account Executive

Loan Depot Wholesale - Charlotte, NC

2017 to 2018

•Analyze each Mortgage Broker’s location developing closing and growth strategies, while monitoring potential and profitability in the commercial and residential arena.

•Manage all broker/Lender accounts and potential leads in an Assigned territory, while cultivating lender/Broker relationship.

•Recommend products/programs/functionality that would assist in the growth and/or profitability of Residential/commercial Lending area.

•Call on Mortgage Brokerage Accounts, making presentations on residential/commercial Loan programs and services to increase closing ratios.

•Maintain Familiarity with all Federal Regulatory guidelines as well as industry standards and requirements

•Provide product training, client support, monthly sales forecasting while managing current pipeline of 5-100 million monthly.

FHA /Conventional Underwriter III

Quicken Loans - Charlotte, NC

2015 to 2016

*Responsible for analyzing and managing risk on both residential and commercial loans, evaluating and determining the credit worthiness of the client.

*Applied a detailed analysis of credit reports, appraisals, pay stubs, legal documents, financial statements, professional and business tax returns (1040, 1065, 1120/1120s, Schedule E, Schedule K-1) * Evaluated loans, and managed and analyzed credit risk exposure, evaluated the financial strength of the borrowers/business to determine the credit worthiness.

*Evaluated debt ratio, loan to value ratio, title reports, credit risk and property valuation, and ensured that every loan was in compliance with the bank and secondary market standards.

*Responsible for the drafting and review of all loan closing documents to ensure all terms are correct and agreed upon before closing.

OPUS Collateral Analyst III / NUPRM

Wells Fargo Home Mortgage - Charlotte, NC

2013 to 2015

*Responsible for reviewing/ processing commercial loan files and programs, analyzing qualitative credit risk of each portfolio, while demonstrating excellent judgment on credit decisions.

*Review business financial statements, executive summaries, operating statements and applicable ratios on commercial loan files, while monitoring credit risk levels and portfolio management.

*C-Level delegation authority to approve or deny all work-out options with final decision

*Responsible for reviewing commercial and residential collateral to include analyzing the adjustments, proximity, amenities and all similarities to ensure risks are minimized and value is supported. * Acted as a liaison between IT and commercial loan officer teams, reviewing, implementing and developing a more efficient and streamline process.

*Provided guidance, support and training for Freddie Mac/Fannie Mae portfolios accessing user's needs and recommending changes.

*Reviewed all files from the initial submittal to the final clear to close, drafting all closing documents in accordance to the terms of each agreement I.E (rates, loan terms, down payment) etc.

Risk Compliance III, Second Level Review

Wells Fargo Home Mortgage - Fort Mill, SC

2009 to 2013

Fort Mill SC 2009 - 2013

•Functions include: performing risk evaluations, formulating and implementing workout strategies, underwriting while analyzing Commercial business and personal financial statements and business returns.

•Assigned to the Promontory project management team, working directly with the OCC, researching complaint files and contested foreclosures to determine, if possible, harm or Error was done by Servicer. • Responsible for Auditing past Servicer decisions, to ensure policy and procedure was followed.

•Experience working with VA, FHA, FHLMC, and Wells Owned portfolios, negotiating and underwriting creative structures to meet needs of both customer and bank while minimizing the bank credit risk exposure.

•C- Level Delegation Authority to approve or deny all work-out options with final decision. Drafted updated documents correcting any previous errors by the bank/servicer from the audit.

•Bankruptcy Portfolio Liaison between in-house and outside counsel during litigation to formulate strategies to solve problems on commercial loan files.

•Assigned to Second Level Review team, to audit, review, and analyze underwriter's decision, by reviewing income, credit and assets before clear to close.

Branch Manager / Originator

CFIC Home Mortgage - Concord, NC

2006 to 2008

Broker Commercial Division

*Reviewed prior to submission to various Lenders Executive Summaries, Proforma, Rent Rolls, Appraisals and Operating Statements of all Commercial Loan packages.

*Responsible for branch pipeline management, monthly forecasting and monitoring all files for risk management levels.

*Worked with Loan originators and processors on the Commercial and Residential side to verify all documentation for accuracy and completeness, to ensure optimum file flow and monthly targets were achieved.

*Reviewed all loan files and credit history based on risk levels and guidelines. Ensured loan compliance according to State, Federal and corporate guidelines.

*Reviewed collateral verifying compliance, ensuring updates, corrections or explanations were addressed and approving if acceptable.

*Reviewed and drafting of all loan documents to ensuring accuracy of terms and conditions, are met before documents are sent to closing.

Branch Manager/ Senior Loan Officer

CFIC Home Mortgage - Concord, NC

2004 to 2006

•Examined and verified all loan documentation for accuracy and completeness, while working with loan originator to draft all required documents for closing.

•Responsible for branch processing and underwriting of all FHA, VA and conventional loans, ensuring compliance according to State, Federal and corporate guidelines.

•Reviewed financial statements, credit reports and applicable ratios on all files for credit/risk, levels.

•Reviewed and cleared manual and automated conditions, while ensuring all guidelines were met. Responsible, for drafting and preparing all loan closing documents in accordance to the agreed conditions and terms.

•Maintained an open line of communication with loan originators/ Processors to explain rationale behind credit decisions.

•Familiar with using DU/LP for automated approvals, and clearing of conditions.

•Reviewed collateral verifying compliance, ensuring updates, corrections or explanations were addressed and approving if acceptable.

•Managed a branch with 3 teams of 10 Loan Officers, Tracking production, product training, monthly reviews and forecast.

Assistant Manager/Senior loan officer

Fidelity Mortgage Inc - Charlotte, NC 2002 to 2004

*Solicit Mortgage Brokers, Commercial Real estate agents and banks for Commercial Real-estate loans. Responsible for monthly reviews, daily training and pipeline management, while originating an Average of 5 loans per month.

*Received numerous awards: Loan Officer of the Month, Circle 30, Silver Award, Governor Award, and Presidential Award.

*Responsible for monitoring all files for credit/risk management levels, based on LTV, credit score, and other risk characteristics.

*Responsible for lead generation, file review, placement and the origination of each file.

*Reviewed collateral of all team members files prior to submittal of the file. Ensuring the distance, similarity between comparable and adjustments were not excessive, and in accordance with company guidelines, which aided in expediting the U/W process.

MAJOR ACCOUNT EXECUTIVE

Panasonic Corporation - Norcross, GA

1997 to 2001

*Prepared proposals, demonstration of software, hardware and the negotiation and close of sale.

*Received Salesman of the Month Award 18 times and a three-year member of the President's Club.

*Responsible for developing, managing and maintaining customer base of over 4000 accounts. Worked with business owners and managers, surveying current business operating procedure and presenting a more cost-efficient solution to continue business.

Education

Business Development

PANASONIC UNIVERSITY - Suwanee, GA

1997 to 1999

BS in Criminal Justice

SOUTH CAROLINA STATE UNIVERSITY - Orangeburg, SC

1990 to 1994

Skills

•Database Applications: Kronos, SQL, Crystal Reports, LOS, Clue Reports, Phoenix, DU/LP, LADI,

AS400, I Portal, LHIS, MERS, Aacer, Edge, Status Mart, LIS, E-Image, LIV, Microsoft Office Suite

(Word, Excel, PowerPoint, Outlook), Lotus Notes, MSP, BITTS (Access Database), SharePoint. ICMP,

LexisNexis, AMP, LARS, Doc Viewer, Courthouse Retrieval, Encompass, LPS, CPI, LIV, Calyx, Click-n-Close

Pacer,, Lombardi, ATS Portal IRC, Early Resolution (ER), Wp2, HPA tool, Web Direct, Operating Systems: Microsoft Windows, MAC OS/ X Lion

Military Service

Branch: United States Army

Service Country: United States

US Paratrooper / Combat Engineer

1987-1990

United States Army/Reserve

Finance/Accounting Specialist

1994-1998

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