Branch Manager Loan Officer
Resume:
Fred White *
Fred L. White
Springfield, Mo.65807
*********@*****.***
NMLS # 9729
Senior Level Management
Experienced in
Commercial Lending, FHA, USDA, VA, CONVENTIONAL home purchases and construction loans. Along with, Manufactured and Modular Sales Centers and Housing Loans and construction.
Experience and Accomplishments
White & Associates Financial Consultants 1989 to Present Management and Sales &Mortgage Lending Consultant
Capital Home Mortgage, Development Mgr. Jan 2023 to Present Sun West, Consultant Oct. 2022 to Dec 2022
Moved processing overseas.
PRMG Sr. loan officer Nov. 2021 to Oct.2022
AFR/Elend, Branch Manager Jan 2021 to Dec 2021
ICG Mortgage, Consultant SR LO Nov 2020 to Jan,2021 Nexa Mortgage, Branch Manager Mar 2020 to Nov 2020 Fair Way Lending, Branch manager June 2019 to Mar 2020 Fred White 2
Community First National Bank, Consultant Feb 2019 to June 2019 Fair Way Lending: Sr. Loan Office June 2017 to Jan 2019 Delmar Financial, Consultant Nov 2016 to June 2017 Sagamore Home Mortgage, Marketing Consultant June 2015 to Nov 2016 American Financial Inc, Consultant Nov. 2014 to July. 2015 Develop Kansas, Missouri and Oklahoma, Manufactured Home Dealers and Builders on the loan programs offered by AFR, NCF and FGMC
Life Way Homes Manager May 2013 to November 2014
Consultant:
Manufactured and Modular Home Dealer with 4 sales centers restructuring. all aspects of sales, delivery, construction, and financial procedures. Train sales staff and new management on proper sales and finance methods. Consultant in Restructure of Sales Center and Finance: 2009-2012 Iseman Homes Chillicothe, Mo. Trained all 14 sales centers on finance of Manufactured and Modular homes land home programs. Set up their home finance center for all lots. Composed procedure manuals and program guidelines. Also managed a sales center in Chillicothe, MO and brought it from # 13 to # 2 in the in profit.
(Conventional, USDA, FHA, VA, and Construction Loans) Branch Manager 2003-2009
Amstar Mortgage, and Interactive Financial Kansas City, Missouri, Three Branches MO. AR. Established accounts for home, commercial and construction-to-perm loans
(Conventional, USDA, FHA, VA, and Construction Loans)-Created a procedure manual and trained new employees (Both Interactive and Amstar Corporations closed.) Specialized in Manufactured Modular Home Finance
Branch Manager; 2001-2003
Challenge Financial, Kansas City, Missouri, branch manager over three branches in three states with twenty+ Employees-Established accounts for home, commercial and construction-to- perm loans -Created a procedure manual and trained new employees. (Challenge Financial Corporation closed.)
Specialized in Manufactured and Modular Housing Loans White & Associates, Merriam, Kansas Now in Chillicothe, Mo 1992-2012 Fred White 3
Consultant: Financial Concepts, Hannibal, Missouri, and Wright Lending Group
(2002)-Originated and processed home loans. Developed new programs for construction- to-perm loans using USDA RH PROGRAMS, FHA, VA, and Manufactured Modular Homes.
Result: Generates 50% increase in closed loans.
Consultant in Mortgage programs for sales centers: Clayton Corporation, Marysville, TN (6/00-3/02) Provided new mortgage loan programs for land and home financing following FHA, VA, FNMA, and Construction-to-Perm Guidelines-Provided training and implemented procedures for following all ethical business practices- Composed procedure manuals and program guidelines. Assisted in development 10 new sales centers in Georgia, Oklahoma, North & South Dakota, Kansas, Iowa, -USDA RHS, FHA PROGRAM. Started 6 new communities and procedures and Training of personnel. RESULT: Increased productivity and provided a simpler flow-through for loans through the loan department, decreasing the time for loan processing by 30%. Consultant in Sales and Operational Reorganization: Champion Homes, Hot Springs, Arkansas (11/99-05/00) Provided intense sales and management training program in procedures and ethical business practices. Wrote procedure manuals. Expanded Service Department and implemented corrective operational procedures. Worked extensively to improve finance procedures. (Three sales centers) RESULT: Increased profit margin to an active 26% and repositioned company for resale.
Consultant in Sales and Operational Reorganization: Housing Resources of America, Dallas, Texas (06/99-10/99) Provided sales and management personnel training related to HUD & VA and FHA-Developed/implemented accounting, sales, management, sales training and organizational procedures and finance office. RESULT: Increased monthly sales 24%.
Consultant in Finance Program Development: Wall Street Mortgage Corporation, Dallas, TX (02/99-06/99) Developed a nationwide finance program for manufactured housing dealers. Educated and trained management and personnel in the manufactured housing industry at both corporate and retail levels. Developed land home financing programs through four lending institutions. USDA RHS, FHA, VA. RESULT: Approved 200+ loans in four months.
Consultant in Sales and Operational Reorganization: Topeka, KS (09/98-02/99) Implemented new training and operating procedures to ensure continued growth and stability. HUD Housing RESULT: Expanded monthly sales performance 50% and maintained a 30% profit margin in five months.
Consultant in Sales and marketing reorganization: Four Seasons Housing, Middlebury, IN (03/98-09/98) Developed a strong dealer base in nine states. Implemented on-going training programs for dealers. Consulted on Corporate finance office with emphasis on land home financing. Conducted open house sales promotions at dealers and corporate levels. HUD Housing.
RESULT: Improved market share 40% in six months.
Consultant in Turn around operations MGT: Associated Dealers, Mesa, AZ
(02/96-03/98) Trained management, sales, and contractors on accurate procedures and basic common-sense business practices. Implemented sales training and operational procedures and finance office, emphasis on land home financing. Also designed Procedures and guidelines for Communities
RESULT: Brought failing dealerships (9) in southern Missouri and Arkansas to a profitable position.
Fred White 4
Consultant in Operational development: Barnes Mobile Homes, Holden, MO
(04/94-04/96) Facilitated start-up and full operational function. Created a finance office within the dealership.
RESULT: Sold 115 homes in the first year, obtaining a 28.6% net profit margin. Precision Fabricators, Kansas City, MO 1992-1994
OWNER/GENERAL MANAGER
Presided over the fabrication operation of sheet metal to include production schedules, product design, materials, sales, shipping/receiving, and accounting/financial functions- Recruited and supervised a staff of 57 in manufacturing EEC components housing such
-Implemented ISO 9000 technology, Just-In-
Time, and MRP-II.
Positioned the company for profitable resale.
Development of Tyree Insurance Company, P&C 1989 - 1993 Licensed in Health, Life, and Dental.
Police Officer Edgerton Ks. 1991-1994
Police Officer Paola, Ks, Reserve 1989-1991
Riley County Deputy Sheriff Reserve 1970-1974
General Motors Corporation, Kansas City, KS 1971-1990 PRODUCTION AND LABOR RELATIONS SUPERVISOR
Supervised production and material parts ordering/reporting provided training and personnel development. Spearhead the implementation of new production methods and the development of appropriate training programs.
Managed personnel budget of $200 million.
Maintained an average of 138 QI index (company average 116). Member: Human Resource Management Committee.
EDUCATIONAL BACKGROUND
Kansas State University, Animal Science, Manhattan, KS General Motors Institute of Technology: HR Guidelines, Training Production, Auto financing, GMAC
Kansas Police Academy
CONTINUED PROFESSIONAL DEVELOPMENT:
Robotics and Air Logic Control System
Human Resources and Labor Relations
Sales Leadership and Training
Production Design
Police Officer and Deputy Sheriff
Fred White 5
Loss Prevention and Store and Store Security
Auto Finance, Sales Management and Production
Clayton University
Retail Sales Center and Community Management
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