CYNTHIA R. ST. CLAIR

Irvine, CA *****

Mobile: 949-***-****

E-mail: aduuzh@r.postjobfree.com

SUMMARY OF QUALIFICATIONS

A combination of broad experience and specialized training provides strong qualifications as a MORTGAGE LOAN SPECIALIST. A pro-active and assertive sales specialist who welcomes a broad scope of responsibilities and the opportunity to increase sales and profits. Command excellent interpersonal and communications skills. Function well in high-pressure situations and rapidly changing environments. Work well independently or as part of a cooperative team effort to cross-sell banking products. Emphasize quality customer service with the ability to meet or exceed client expectations. Company-oriented and customer-focused, presenting a positive professional image at all times. Maintain a quality work ethic, with a history of thoroughness. Key Strengths Include:

Combine exemplary presentation skills with strong marketing, sales and closing abilities.

Utilize in-depth industry and product knowledge to build rapport with clients and coordinate the entire loan process.

Specialize in developing and enhancing profitable long-term client relationships.

Well-versed in all rules and regulations relating to FHA, VA, Conventional and Reverse Mortgages.

Currently licensed in 17 states - AZ, CA, CO, FL, GA, ID, IL, MI, MO, NJ, NC, OH, OR, PA, SC, TX and VA.

PROFESSIONAL EXPERIENCE

LOAN OFFICER AmeriHome Mortgage - Irvine, CA

Specialized in coordinating a high volume of communication with recent/past clients with an emphasis for refinancing options pertaining to new business for retention clients. Analyzed existing loans and educated customers on their options. (2017 to 2021)

Consistently ranked as a Top 10 Producer in a large operation. LOAN OFFICER The Money Source, Inc. - Santa Ana, CA Contacted clients in multiple states within the portfolio and present offers to lower interest rates and successfully retained their business. (2016 to 2017)

Serve within the company’s Retention Department. MORTGAGE SPECIALIST Guaranteed Rate - Irvine, CA Managed a high volume of inbound calls regarding new purchase and refinance loans at a busy call center. Responded to referrals, and called out on leads. (2015 to 2016)

Coordinated all stages of the mortgage process, from loan application to closing. MORTGAGE LOAN ORIGINATOR Discover Home Loans, Inc. - Irvine, CA Responded to leads from Discover Credit Card cross promotions, the Internet, and aggregate leads. Oversaw an assistant in managing all stages of transactions. (2012 to 2015)

Ranked in the Top 25 company-wide.

Won multiple awards and recognitions.

MORTGAGE BANKER Home Loan Center, Inc. - Irvine, CA Completed the entire loan process. Gathered all relevant data/records to pre-qualify borrowers and begin the loan process. (2012)

Continued . . .

CYNTHIA R. ST. CLAIR Page 2

PROFESSIONAL EXPERIENCE (Continued)

LOAN OFFICER Bay Equity, LLC - Lake Forest, CA

Developed own leads at this mortgage brokerage. (2011 to 2012)

Assessed specific borrower needs and matched with appropriate loan programs. DEBT SETTLEMENT OFFICER Covenant Debt Solutions - San Juan Capistrano, CA Collaborated with attorneys and creditors to resolve and settle debts for clients wanting to avoid filing for personal bankruptcy. (2009 to 2011)

Responded to Internet leads to prospect for clients. LOAN OFFICER New Start Home Loans - Anaheim Hills, CA Served as the company’s Reverse Mortgage Specialist. (2007 to 2009)

Visited clients’ homes to respond to leads from AARP and television commercials. LOAN OFFICER Flexpoint Funding - Irvine, CA

Ranked as the Top Producer (out of 100 Loan Officers) for 5 consecutive years. (2000 to 2007)

Achieved the highest revenue per loan, highest funding total and highest conversion rates. LOAN OFFICER Main Place Capital - Irvine, CA

Marketed the company’s loan services through direct mail campaigns and Internet ads. Evaluated loan packages for submission and approval, and followed through to funding. (1998 to 2000) PROJECT SALES MANAGER Standard Pacific Corporation - Orange County, CA Performed the sale of new homes at high-end communities including Crest DeVille (Laguna Niguel), Montclaire (Mission Viejo) and Turtle Rock Town Home Collection (Irvine). (1995 to 1998) PROJECT SALES MANAGER Akins Development Company - Orange County, CA Sold high-end new homes in Rancho Santa Margarita and Dove Canyon. (1992 to 1995) REALTOR Prudential Real Estate Company - Irvine, CA Listed and sold high-end resale homes in Irvine and Newport Beach. (1990 to 1992) Previous Experience Includes:

BUSINESS PLANNER & MOTIVATIONAL COACH Mike Ferry Organization - Irvine, CA Traveled throughout the USA to assist the owner with conducting seminars. Analyzed agents’ and real estate companies’ business plans, and offered recommendations to improve sales and profits. Coached 250 real estate agents nationwide on achieving their goals. REALTOR Coldwell Banker - Salem, OR

Represented both buyers and sellers in the greater Salem area. INTERIOR DESIGNER Scott Thurston Designs - Salem, OR Completed commercial and residential interior design projects for restaurants and high-end custom homes. EDUCATIONAL BACKGROUND

A.A. Degree/Interior Design Art Institute of Portland - Portland, OR (Graduated 1st in Class) Fine Arts University of Nebraska at Kearney

Licenses: CA Real Estate Sales License Department of Corporation NMLS #366175 Awards: Sales & Marketing Council Award, in recognition of Outstanding Sales Irvine Company Builder Awards for Outstanding Home Buyer Relations at Turtle Rock and Summit Towne Collection Award of Excellence - Haymarket Art Scholarship Baptist College Grant Computer Skills: Windows & Apple/Mac Word Outlook DU LP Encompass REFERENCES: Available upon Request COMPENSATION: Open to Negotiation

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