Thomas N. Eddins III

Charleston, SC 901-***-**** adk4ej@r.postjobfree.com

Professional Objective

Seeking a challenging position in the mortgage banking industry where my experience and proven success can be utilized by a progressive organization offering career development opportunities. Business Background

Over twenty years of experience in real estate and mortgage related businesses. I have owned and managed a residential construction and land development company, operated a mortgage loan trading platform and worked for a correspondent mortgage lender. I have been employed by two NASD broker dealers and three banks to trade mortgage loan assets in the secondary market. Also possess significant knowledge of conventional and government underwriting guidelines. Loan products traded: Conforming, QM, Non-QM, Jumbo, FHA, VA 1st and 2nd mortgages, conventional, subprime, Alt “A” stated products, government, commercial, SBA, hard money, land, mobile home, section 32, sub and nonperforming loans, bankruptcy, foreclosure and REO properties. Institutional clients include Banks, Credit Unions, mortgage companies, conduits, insurance companies, REITs and hedge funds.

Professional Experience

Guild Mortgage Inc. – Mt. Pleasant, SC NMLS # 207****-**** Guild University loan origination training.

Brean Capital Inc. – Chicago, IL 2019 – 2020

Mortgage loan portfolio sales, acquisitions and trading. Series 7 and 63 study. Equity Financial, LLC – Memphis, TN 2017 – 2019

Owner and President - Whole loan trading platform. Handled all pricing, and brokering of performing and non-performing mortgage assets, real estate loans and investment properties. Maintained relationships with new and existing clients and performed portfolio due diligence. FTN Capital Assets: a subsidiary of First Tennessee Bank – Memphis, TN 2015 – 2017 Account Executive – Institutional Loan Trading and Sales. Responsible for consumer loan portfolio purchasing and sales of performing and non-performing mortgage assets with banks, credit unions, mortgage companies and hedge funds. Utilized effective presentation/negotiation skills to generate new business from existing client base. Established a professional track record for new business development. Advised customer accounts using portfolio risk analysis and market strategies when considering purchases and or sales.

The Money Source, Inc. – Ney York, NY

Correspondent lending account rep. Provided counseling on available mortgage products and loan purchasing to mortgage bankers, credit unions and community banks. Assisted loan processing to meet conditions and guidelines for loan commitment and funding. National Bank of Commerce, Inc. – Memphis, TN Vice President Institutional fixed income, bond sales, consumer loan sales and trading.

Chickasaw Residential Inc, Inc. – Memphis, TN Owner and President - Land development and Construction Company. Responsible for all phases of estimating, financing, building, coordinated with project architects, subcontractors, payroll, construction draws, sales and closing with budgets of

$50,000 to$500,000. Built and sold over 100 new homes and completed 40 high end remodels. Secured new home construction and subdivision development financing. Facilitated sales contracts for both lots and homes.

Trust Company Bank, Inc – Atlanta, GA Vice President - Collection and default asset departments. CURRENT LICENSES

NMLS ID: 2075951

PAST LICENSES

Series 7 & 63

TN Real Estate License

EDUCATION

Georgia State University, BA – Atlanta, GA Graduated May 1987 University of Georgia – Athens, GA 1985

College of Charleston – Charleston, SC 1983

EXTRACIRICULAR COURSES

Real estate Finance and Investments REFM

Excel for Real estate, Level 1,2

Residential Land Development A.CRE – Single Family Construction

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