Marc Brovender

** ******** ****

Boxford, MA ****1

617-***-****

adxjwb@r.postjobfree.com

Philosophy

All long-term successful enterprises are characterized by a sharing of goals between its sales and operational managers, team members, business partners, and customers.

Objective

Industry professional with over 30 years of comprehensive sales, operational, and management experience in private, agency, and government-insured mortgage lending. Experienced in start-up, high-growth, troubled, and established lending firms. Excels in consumer and real estate retail, wholesale, seller-servicer, and portfolio lending environments. Seeking a rewarding position with a forward-looking financial services firm that seeks to maximize its internal and external potentials.

Accomplishments

Rebuild of a lending department from the ground-up. Established sound lending policies, procedures, and direction in consumer, commercial, residential, and home equity lending. Implemented new LOS system, rate structures, and lending guidelines to maximize volume and profitability with lower risk.

Mastery of the mortgage process from origination through underwriting, closing, investor sales, and servicing. Ability to price and sell loans in order to maximize both volume and profitability.

Repeatedly recognized for high sales volume, operational excellence, and profitability in individual, branch, and regional environments.

Successful sales of mortgage and financial products and services to clients, members, third party originators, and senior managers in both cold-call and repeat-business environments without relying on "best-price".

Recruited, trained, and motivated both sales and operational staffs in local and remote markets, both established and on a start-up basis.

Relevant Experience

First Priority Credit Union May 2022 - March 2023

Chief Lending Officer - Interim

Rebuilt lending department from the ground-up.

Established sound lending policies, procedures, and direction in consumer, commercial, residential, and home equity lending.

Implemented new LOS system, rate structures, and lending guidelines to maximize volume and profitability with lower risk.

Retail Mortgage Loan Officer December 2014 - May 2022

Fidelity Bank, Citizens Bank, People's United Bank, River Works Credit Union, Santander Bank

Originated first and second mortgage loans across all loan types (FHA, Conventional, Jumbo, etc.). Set pricing margins, processed, and delivered loans to institutional and private investors (RWCU)

Registered Representative, Financial Advisory Associate March 2009 - December 2014

The Thorndike Company

Financial planning and investment advisory services for new and existing clients. Evaluated firm-approved private placement programs and made recommendations to the principals as to which to offer to clients. Series 7, 66 designations, life and health insurance licenses.

Wholesale Account Executive August 2004 - December 2008

Credit Suisse First Boston, Lydian Private Bank, American Bank, Icon Residential Mortgage

Originated prime and subprime loans from mortgage brokerage firms in New England and the Mid-Atlantic.

Regional Manager of a Mortgage Brokerage December 2001 - July 2004

Stockton Turner and Company

Opened the New England region for a Florida-based mortgage brokerage. Recruited, trained, and supervised 13 branches in 36 months.

Wholesale Account Executive, Production Manager, Regional Manager July 1992 - November 2001

Commonwealth United Mortgage, DMR Mortgage Services, Old Kent Mortgage, Fleet Mortgage

Increased wholesale volume from $3.5M /month to $175 M /month and net revenue from -75 bps to +50 bps.

Recruited and managed a sales force of 50 account executives and 150 operations staff in 10 branches on the east coast of the US.

SVP Underwriting and Operations August 1986 - July 1992

Commonwealth Mortgage Company

Managed mortgage underwriting for retail and wholesale production in excess of 1000 units /month.

Member of the executive team which set company policy.

Negotiated directly with FNMA, FHLMC and various vendors.

Additional titles held Regional Underwriting Manager, Branch Underwriting Manager and Senior Underwriter

Education

Dartmouth College, BA in Economics

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