Account Executive Inside Sales

JOSEPH BECK - **** Alejo Drive, Apopka FL ***** - 321-***-****

Summary:

Seeking a growth opportunity in the Orlando, Florida Area as a Managing Director of Financial Growth market with a focus on Real Estate Investments. I Have more than 18 years of experience, currently working as a Director of Real Estate Acquisitions for a company that specializes in Bank REO properties over the last 10 years. My prior 8 years of experience include working as a Director of Mortgage Lending and Account Executive positions in Outside and Inside Sales.

Education:

Saint Joseph’s University

Philadelphia, Pennsylvania

Bachelor of Science in Business Administration

September 1989 –

May 1994

Skills:

Microsoft Office(10+ years), Microsoft Project(8 years), Quickbooks(8+ years), Calyx Software for Mortgage Brokers.

Experience:

American Homes REO

Orlando, Florida

May 2008 –

Present

Director of Real Estate Acquisitions and Development

Responsible for Real Estate Acquisitions within an assigned geographic market, to achieve the company's strategic business objectives. Key project delivery focus areas include scope, budget, schedule, profitability and risk management.

Provided working knowledge of the following areas; property preservation, eviction or litigation, real estate remarketing, hazard claim processing/collection, account receivable collection and vendor management.

Directed all phases of project management including procurement/contracting, initiation, planning, execution, monitoring, controlling and closeout phases of the project.

Review and approve invoice payments for services completed by vendors, as well as other expenses, that relate to management of real estate.

Follow up with legal firms to verify confirmation of foreclosure sale and assists with resolving other matters as required. Coordinates Evictions/Redemptions through attorneys and property preservation..

Parkland Financial Mortgage, Inc

Fort Lauderdale, Florida

April 2006 –

May 2008

Director of Mortgage Correspondent Lending Division

Managed loan production, Business development, Processing, Closing departments. Oversee insuring and delivery functions in adherence with company policies and procedures, while taking steps to assure quality mortgage originations and sale-able notes to third party investors.

Maintain solid working relationships with over 100 commercial and investment banking lenders. Maintained consistent contact with current and potential lending relationships to understand lending practices, changes in underwriting criteria, pricing, loan structures.

Provided assistance with underwriting assumptions, review of market information, and confirmation that financial equity is maintained while maintaining an active role in loan administration and communication with lender/investor post-closing.

Monitoring real estate investment portfolios, allocation of investment dollars, structures and profit margin objective

American Mortgage Network, a division of Wachovia Bank

Fort Lauderdale, Florida

November 2005 –

April 2006

Account Executive of Mortgage Lending – Outside Sales

Managed loan production, processing, closing, insuring and delivery functions in adherence with company policies and procedures, while taking steps to assure quality mortgage originations and saleable notes to third party investors.

Maintain solid working relationships within assigned territory. Maintained consistent contact with current and potential lending relationships to understand lending practices, changes in underwriting criteria, pricing, structures, etc.

Played an active role approach to a rapidly changing investor market, in some cases had to change the loan product to one conforming to lending standards, pricing and criteria. Worked closely with assigned Loan Processor to facilitate underwriting and processing phases of loans

.

Provided assistance with underwriting assumptions, review of market information, and confirmation that financial equity is maintained while maintaining an active role in loan administration and communication with lender/investor post-closing.

Nations Home Lending Center

Deerfield Beach, Florida

May 2004 – November 2005

Wholesale Account Executive – Inside Sales

Developed relationships and referral resources with over 100 mortgage brokers and realtors throughout assigned territory to help establish and grow business.

Solicit loans in a manner that developed long-term business relationships that meet or exceed company goals for volume, quality and acceptable funding.

Established and maintained contact with existing broker base explaining product offerings and underwriting guidelines; advise brokers of any changes to loan programs, rates and/or company policies.

Review loan packages with mortgage brokers to determine conformity to "A" paper loans, Alt-A and Sub-Prime underwriting guidelines and pricing conformity.

Liberty Home Loan Corporation

Orlando, Florida

January 2000 – May 2004

Branch Manager

Review loan officer’s leads, and develop proposal’s for meeting customer’s objective to assist them in acquiring a loan product appropriate to their circumstances. Analyzed the prospective borrower’s income and debt, counsels borrower on credit record or other problems, and pre-qualifies the borrower. Provides disclosures to borrower including, Truth in Lending and Good Faith Estimates.

Secure approval of loans through Fannie Mae Desktop Originator and correspondent lenders website. Work with mortgage lenders, to get final conditions met prior to closing.

Develop and maintain a forecast of loans in pipeline to close for month, while maintaining a high level of personal monthly loan production.

Maintained an excellent knowledgeable of Bank underwriting guideline for in-house and secondary market loans while keeping an excellent attention to detail, organization and communication skills.

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