BUSINESS DEVELOPMENT

Sales Account Management HR Mortgages

PROFILE SUMMARY

• Passionate, versatile and dedicated professional with a continuous desire to grow and succeed.

• Ability to accurately process, generate and execute energy, mortgage, debt settlement and solar proposals, agreements and contracts. • A career noted for outstanding people skills, personal management and consultative selling and meeting monthly quotas.

• Proven record of identifying problems, implementing solutions, improving service delivery, profitability and growth.

• Strong proficiency in Windows-based applications, knowledge and ability (Outlook, Word, Excel, PowerPoint).

• Coordinate the preparation and presentation of bid/quotation/price request/proposals for energy customers.

CORE COMPETENCIES

Sales

Sales Support

Mortgage Originations

Business Development

Understand I/C/R Energy Commodities

Account Management

Marketing & Promotions

Real Estate Investing

Credit Analysis

Asset Recovery

Mortgage Wholesaling

Problem Solving

Resource Facilitator

CRM Database

Contract Negotiation

Human Resources

Excellent Communication &

Interpersonal Skills

Strategic Planning

Renewable Energy Markets

Debt Management

Energy Star Benchmarking

Conflict Resolution

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PROFESSIONAL EXPERIENCE

REAL ESTATE INVESTOR 3/2020 - Present

Timberline Investors LLC - Cherry Hill, NJ

Identified and closed on properties with positive cashflow building a portfolio of rental properties then selling for profit.

Worked with general contractors to ensure useful and tasteful renovations; Subsequently employed property managers.

Knowledge gained: Rehab Budgeting, Interior Design Concepts, Realtor/GC/PM Collaboration, Local RE expertise.

LOAN OFFICER (NMLS ID# 2317086) 1/2022 - 6/2022

PHH Mortgage Corp - Mt Laurel, NJ

Complete mortgage application for qualified clients via inbound and outbound calls. Set proper expectations with client.

Qualify clients for new mortgage loans using automated underwriting systems (DU/LP). Deliver mortgage options to customer.

Partner with internal operations to produce clean files. Obtain industry required NMLS licensing. Licensed in 13 states.

Knowledge gained: FNMAE, FMCC, FHA, VA ; Credit and Appraisal Analysis; Encompass and All Regs.

ACCOUNT EXECUTIVE (remote contractor) 3/2021 - 1/2022

Choice Plus LLC - Venice, FL

Explain origins and process, overcome skepticism and close deals by sending/receiving POA Document Packages.

Keep client updated throughout 4-6 month claims process and manage claims process to completion.

Research and gather information from client, liaison with research team and update Salesforce CRM database accordingly.

Knowledge gained: Lost Asset Recovery, Case Management, Salesforce CRM, Consultative Sales

HUMAN RESOURCES REP 1 (contractor) 9/2019 - 3/2020

Comcast - Philadelphia, PA

Primary HR point-of-contact, service company employees with a high degree of customer satisfaction and expertise.

Evaluate and analyze the employee request/concern, quickly interpret the situation, determine the appropriate resolution

or escalation and communicate to the customer consistent with Service Level Agreements; Investigate & resolve issues.

Knowledge gained: HR Escalations and Investigations, Case Management, Payroll, SAP, Zendesk and Kronos.

SR. BENEFITS ADMIN SPECIALIST (contractor) 9/2014 - 4/2019

Conduent (Xerox) - Cherry Hill, NJ

Worked (multiple contracts) on DB & HW plans. Promoted to Global Pension Project for clients UTC, Reynolds and L3.

Spearheaded three Pension Lump Sum Distribution projects processing 25,000 participants and $500,000,000 transactions.

Gathered information, provided benefit solutions, research/resolve inquiries and log client interactions in CRM database.

Knowledge gained: HW & DB Administration and Analytics, Professional Telephone Techniques, Pension Analysis,

Lump Sum Distributions, Case Management, CRM Database, Customer Service and Quality Assurance.

SALES SUPPORT SPECIALIST (contractor) 12/2016 - 4/2018

Direct Energy - Iselin, NJ

Provided (multiple contracts) sales support in the areas of pricing requests, contract generation, new accounts and auditing.

Responsible for ensuring contracts are hedged and enrolled timely and in accordance with operations and utility guidelines.

Knowledge gained: Benchmarking, State and Regional Utility Rules and Regulations, Pricing/Hedging Energy Contracts,

Retail Natural Gas and Power Operations, I/C Energy Sales Cycle, Energy Star & LEED Guidelines.

FIELD ENERGY SPECIALIST 6/2015 - 12/2015

Solar City - Blackwood, NJ

Utilized SolarCity sales process and technologies to engage and educate Home Depot customers regarding the value

and potential financial benefits of clean energy solutions. Performed in-store events and seminars.

Conducted satellite analysis, interpret utility bills and transition leads to solar consultants for in-home consultation.

Knowledge gained: Sales Support, Clean Energy Marketing, Promotions and Operations; Industry Trends,

Satellite Analysis and Retail Communications; Lead Generation and Appointment Scheduling.

ACCOUNT EXECUTIVE 2/2014 - 8/2014 Market Resource Partners (MRP) - Philadelphia, PA

Prospect within businesses and qualify them against certain criteria by initiating outbound calls. Update database accordingly.

Identify decision-makers, value-proposition them by providing product and services information, and ultimately set up appointments as part of our lead generation service; provide follow-up activities as part of closing the sale

Knowledge gained: Lead Generation, Appointment Setting, Technology Sales, C-Level and Enterprise Communications.

SOLAR CONSULTANT 3/2012 - 2/2013

Verengo Solar - Princeton, NJ

Developed and presented value-added solutions for reducing residential homeowner’s energy costs and carbon footprint.

Educated customers on Renewable Energy benefits, ROI and Fundamentals to an environmentally aware client base.

Structured, negotiated and closed NJ deals with an average value of $30K (200k Kilowatt hrs.).

Knowledge gained: Sales, Project Coordination, Deal Structuring; Rooftop and Ground Mount Solar Design;

Satellite Analysis, Renewable Energy Fundamentals, Sustainable Commodities and SREC Markets.

DEBT CONSULTANT 1/2008 - 1/2012

Debt Settlement Services - Cherry Hill, NJ

Collaborated with lead generation companies to uncover and identify potential business opportunities.

Verified client financial documentation; Analyzed each individual situation to make the best possible recommendation

Coordinated with debt negotiators, attorneys and clients to ensure accurate processing and settlement.

Knowledge gained: Business Management, Credit Card Debt Analysis, Deal Structuring; Lead Purchasing and Analytics.

LOAN OFFICER / ACCOUNT MANAGER 6/2002 - 12/2007

Agency Mortgage Corp - Marlton, NJ

Began tenure as a Loan Officer and achieved promotion to Account Manager based on strong loan originations.

Loan Officer: Analyze applicants’ financial status, credit and property evaluation to determine loan feasibility.

Executed loan application process underwriting and secured all documents - title, appraisal and payoffs.

Monitor loans carefully from initiation to closing, track deals in progress and ensure client satisfaction.

Account Manager: Manage and process broker loans and reviews conditions to ensure all loans meet underwriting requirements.

Provides status updates on loans as requested by brokers and/or Account Executive through Pipeline Manager.

Working knowledge of FHA/VA regulations and FNMA/FHLMC and investor underwriting guidelines

Knowledge gained: Prime & Sub-Prime mortgages; Loan Processing, Underwriting, Credit and Appraisal Analysis;

Calyx Point Mortgage Software and CRM; Financial and Real Estate skills.

TECHNICAL SKILLS

MS Office: Outlook, Excel, Word, PowerPoint, Teams, OneNote and Visio

Encompass, Five9, Salesforce, Seibel, SAP, Zendesk, Kronos and Calyx

EDUCATION& CERTIFICATION

RUTGERS UNIVERSITY, NEW BRUNSWICK, NJ PHH MORTGAGE CORPORATION

Bachelor of Arts, Economics 1993 NMLS ID# 231****-****

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