Albert Frederick Moses

Tampa, FL add0zj@r.postjobfree.com

813-***-**** https://www.linkedin.com/in/fred-moses-mba/

PROFESSIONAL PROFILE

I am a seasoned banking professional with excellent mortgage and organizational skills. I am seeking the position of Mortgage Loan Closing Manager with Iberia Bank. After many years in the industry, I have gained significant experience in all area of mortgage lending, business, and retail banking. My training and experience includes the ability to develop and manage a plan for mortgage loan originations, including customer relations, loan sales, taking complete, accurate applications, and developing a strong referral base in the realtor community.

SKILLS / EXPERIENCE

• NMLS 1229316 • Frequent mortgage closings • Outside business networking

• Develop marketing plan • RE Appraisal reviews • Mortgage document analysis

• Review of title policies • Mortgage regulations trained • Developed Realtor referrals • Outside networking events • Credit approval authority • Notary public

PROFESSIONAL EXPERIENCE

My professional life has included work in many areas of banking, but I started in retail management with 7 direct reports. This was a key-carrying management position, frequently with responsibility for an entire 40,000 square foot retail store.

I progressed into the financial services industry, where I completed the management training program with Norwest Financial, (Now Wells Fargo), and learned gained extensive experience in all facets of mortgage lending, including sales, and initial underwriting. This was a predominantly a sales position, with strong analytical and organizational skills required, along with great attention to detail, and the ability to develop business from outside the company.

In banking, I began as a mortgage underwriter in 1998. I held this position, with $250M in approval authority for 2 years. In this position I reviewed 12 applications per day. I was promoted to banking center manager at Bank of America managing with 12 direct reports. This required that I lead, manage, and provide oversight and training for mortgage loan sales. I moved on to Wachovia, as a small business banker, closing $12MM in mortgages in 2006. I was then promoted to the regional position of Small Business Consultant in which I would consult with management, clients, and prospective clients. I was hired as a business banking relationship manager at Fifth Third Bank in late 2008. This involved origination and closing of commercial mortgages, and developing an annual marketing plan. At Suncoast Credit Union, I underwrote commercial and residential mortgage loans, including purchases. This included the evaluation of business and personal cash flow. I was then rehired by Fifth Third as a financial center manager, with complete responsibility for a $35MM financial center with 4 direct reports, where I trained associates on mortgage sales for purchases and refinances. I was recently hired as a commercial relationship manager with Achieva Credit Union.

EMLOYMENT HISTORY

Achieva Credit Union Present

Commercial Relationship Manager Tampa, FL

Fifth Third Bank 2 Years

Financial Center Manager II Palm Harbor, FL

Suncoast Credit Union 2 Years

Sr. Business Loan Analyst Tampa, FL

Midflorida Credit Union 1 Year

Commercial Lender Tampa, FL

JP Morgan Chase 1 Year’

Business Relationship Manager III Tampa, FL

Fifth Third Bank 3+ Years

Business Banking Relationship Manager Tampa, FL

Wachovia Bank 1+ Years

Small Business Consultant Tampa, FL

Wachovia Bank 3+ Years

Small Business Banker Tampa, FL

Bank of America 6+ Years

Underwriter, Banking Center Manager Tampa, FL

Commercial Portfolio Management

Norwest Financial 6+ Years

Analyst, Branch Manager Orlando, FL

EDUCATION

Bachelor (4 year college) degree, Economics, University of Maryland Baltimore, MD

Master of Business Administration, MBA, University of Tampa Tampa, FL

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