Robert Messina 502-***-****

**** ***** ***** ***, **********, KY 40299 adyjzd@r.postjobfree.com SUMMARY

Highly dedicated US Veteran with experience in Loan Origination, Processing and Correspondent Lending. Accomplished at managing and processing a loan pipeline, while adhering to Federal and State guidelines. Knowledgeable in implementing process improvements, solutions. Excellent ability to prioritize and manage multiple, complex projects simultaneously in a fast-paced environment. Strong interpersonal skills and proficiency in utilizing computers, software applications and financial operating systems. Successful as a leader, individual contributor, and as part of the team to achieve business objectives while maintaining organization, and working with customers to provide satisfaction and solutions.

AREAS OF EXPERTISE

Consumer, Mortgage & Correspondent Lending High Volume Processing TRID/RESPA Encompass Customer Relations Conventional, Non-Conforming, FHA, & VA Leadership Team Player Remote Worker ACCOMPLISHMENTS

THE UNITED STATES MARINE CORPS. CAMP LEJEUNE, NC Corporal Supply (MOS) September 1999-September 2003

Received and maintained multimillion-dollar inventory for 1st BN 6th Marines EDUCATION

HOLY CROSS HIGH SCHOOL 1998

ITT TECH, Coursework in Business Management 08/13 – 08/14 PROFESSIONAL EXPERIENCE

NICHOLAS FINANCIAL, LOUISVILLE, KY Branch Manager November 2021-February 2022 Responsible for branch operations with a strong focus on collections, account management, personnel management, and underwriting skills. Maintained proficiency in all phases of office administration, training. supervising, and disciplining staff. Demonstrated effective communication with staff, managers, the public, and the Corporate Office. Responsible for acquiring indirect installment sales contracts from automobile dealers and originating direct consumer loans.

● Ensured that the branch generated a high volume of quality direct and indirect loans

● Responsible for the supervision of all branch staff, which included training and coaching of the staff, hiring, and periodic evaluations. Conducted disciplinary actions as needed.

● Responsible for a portfolio of accounts: aggressively managed portfolio and participated in business development, making effective one-on-one sales calls on new and existing dealers, acquiring new dealer agreements, generated application flow resulting in new contracts, meets and exceeds business generation goals.

● Performed all aspects of branch administration

AMERIHOME MORTGAGE, Correspondent Lending LOUISVILLE, KY (remote) Loan Review Specialist II March 2021-August 2021

Responsible for processing of Correspondent Lending loans in a high volume, post close in an ever changing environment. Audit Conventional, Non-Conforming, FHA, and VA loan files to ensure loan file contains all loan documents needed to meet regulatory standards and complies with established guidelines prior to purchase.

● Used inventory checklist to ensure loan files were complete, accurate and validated

● Reviewed Escrow, Details of Transaction, First Payment Letter, Mortgage, Property Insurance, Loan Estimate, Closing Disclosure and Compliance

● Utilized Encompass/Mavent to accurately review loan documentation and collateral files

● Target of 30 loans files reviewed per day while meeting productivity and quality targets

● Verified accuracy of data between documents and systems to guarantee loans were cleared for purchase

● Tracked and submitted additional information needed for a complete loan file and escalated through the system

● Participated and engaged in all team and company-wide meetings/trainings TECHNOLOGY CONSULTING, INC. LOUISVILLE, KY Technical Recruiter May 2019-May 2020

(Covid-19 Lay Off)

● Evaluated and investigated contractor related problems, and administered performance counseling, coaching, and disciplinary measures when necessary LENDMARK LOUISVILLE, KY Loan Consultant II October 2017-May 2019 Accountable for all aspects of personal loan solutions. Focused on business generation, via direct sales, merchant referrals and loan extensions, while creating an overall positive customer experience.

● Managed average pipeline of 15-20 loans

● Followed up on Internet leads to establish new customer business

● Educated customers in making the best decision to help them achieve their financial goals

● Received and processed credit and employment verifications

● Processed payments, distribution of funds, and made recommendations regarding loan approvals

● Underwrote and approved loans up to established lending limits

● Responsible for closing and funding loans

● Handled account activities related to delinquency and collections

● Prepared reports that included transaction and file documentation to ensure the branch was in Federal Lending Compliance. Maintained records and balances and daily closing of the branch. ONE MAIN LOUISVILLE, KY Senior Branch Account Executive January 2016-October 2017 Responsible for all aspects of direct consumer lending

● Responsible for full cycle sales of personal loans, automobile loans and other credit related products

● Followed up on leads from customer inquiries, including referrals, internet leads, or walk-in customers

● Educated and supported customers in making the best decision to achieve their financial goals

● Ensured customers had a clear understanding of the terms and conditions of the loan

● Responsible for underwriting and making decisions based on findings

● Networked within the community to gain referral business

● Managed servicing and collections of customer accounts

● Accurately complied with company guidelines and procedures THORNTONS, INC LOUISVILLE, KY Store Manager November 2014-December 2015 LIQUOR BARN LOUISVILLE, KY Assistant Manager, Beer Wine & Spirits Sales November 2012-June 2013 BRYANT DISTRIBUTING/HEIDELBERG DISTRIBUTING LOUISVILLE, KY Sales Consultant/Beer, Wine & Spirits October 2009-November 2012

CITIGROUP (CITIFINANCIAL) LOUISVILLE, KY Senior Branch Account Executive September 2005- October 2009

● Analyzed financial reports monthly to determine areas of improvement for the company

● Organized and maintained approximately five loan documents daily

● Loan Origination for Mortgage Purchase & Refinance

● Sourced, funded, and closed loans for applicants

● Evaluated marketing lists for potential customers and renewals

● Solicited approximately 80 potential prospects a day for business leads

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