Operations Manager Construction Project

WALDORF, MD *****, WALDORF, US, ***** •

************.*@*****.*** • 240-***-****

JOSEPH DEXTER

Career Banker, Financial Services Professional and Operations Manager PROFESSIONAL SUMMARY

Proven performer with over 30 years of mortgage sales/operations and commercial/small business (SBA)/consumer and construction lending/underwriting and construction project management and retail banking experience. Additional, intensive experience in large warehouse operations and inventory management focusing on implementation of Six Sigma principles. Public Trust Clearance.

EMPLOYMENT HISTORY

CONSTRUCTION MANAGEMENT OFFICER/MULTI FAMILY AFFORDABLE HOUSING UNDERWRITER AND ANALYST

Aug 2022 - Aug 2024

Maryland Department of Housing and Community Development New Carrollton, MD Managed $20-$100 million new and renovation affordable multi-family housing projects. Responsible for 6-8 approved projects at any time from application and analysis/underwriting through closing and completion. Typically reviewed 7-10 application packages per month. Had absolute approval and construction process authority. Lead interaction/directed meetings between developer, general contractor and architect. Handled requisitions/disbursements and change orders and performed inspections. Familiar with Procore and all construction programs. LOAN SPECIALIST/TEAM LEAD May 2020 - Aug 2022

Small Business Administration Washington, DC

Supervise a Team of 20 Loan Specialists in the Review, Underwriting, Disbursement and Reconsideration of Economic Injury Disaster Loans (EIDL) within the Administration's Office of Disaster Assistance. Have Supervisory Approval Authority for up to $1.5 million per loan and $2 million per entity. Expert in all areas of state of the art Processing, Credit Review, Guarantee and Collateralization. In a fluid and dynamic environment, very active in the Review, Establishment and Amendment of Program Policy.

CONSULTANT/SUBJECT MATTER EXPERT (SME), SMALL BUSINESS LENDING Jan 2020 - May 2020 Treliant Risk Advisors Washington, DC

Manage a team conducting compliance and file review/analysis for Service Members Civil Relief Act (SCRA) protected accounts including mortgages, consumer loans and credit cards. As SME, verify exceptions noted within files and make recommendations based on Risk Management/Loss Mitigation principles - and ensure overall quality of project and work of 25 subordinates. Additionally, consult with clients regarding the establishment and modification of Risk Management principles considering internal, external and regulatory factors and steps to mitigate loss. Additionally, advising a client

(USAA) as to internal capability and overall regulatory and economic feasibility of adding SBA (Small Business Administration) products to current product menu.

INVENTORY CONTROL MANAGER/SHIPPING & RECEIVING SUPERVISOR Jan 2018 - Jan 2020 Safeway/Albertson's Upper Marlboro, MD

Manage inventory staff of 10 in handling perishable and grocery inventory for large eastern regional, multistate distribution facility (2 bldgs., 1 mil. sq. ft.). Interact with senior facility management responsible for shipping and receiving and logistical applications. Expert in cycle counting, adjustments, audits, shrinkage control and monitor. Manage to a P/L that constantly has monthly profits in the thousands. Also, function as operational supervisor over shipping and receiving personnel. Have general supervision over 400+ union and non-union/contract workers. Familiar with required equipment maintenance and interact with maintenance personnel to balance maintenance with production. In adherence to daily, weekly and monthly schedules; generate a number of inventory, shipping and receiving reports. Am the arbiter of store (110 in region) claims of non-receipt of product. Deeply familiar with SAP ("Super Inventory") and EXE Inventory systems. Train inventory control associates and shipping and receiving personnel. Familiar practitioner of Six Sigma operations processes and principles. PRIVATE REAL ESTATE INVESTOR AND MORTGAGE SERVICES CONSULTANT Jan 2014 - Jan 2018 Southern Maryland Waldorf, MD

Partnered with several contractors in the acquisition and rehabilitation of foreclosures, short-sales and other distressed properties in Southern Maryland. Principle responsibilities included determination and management of capital necessary for investment activities which involved negotiation and establishment of operating lines of credit and refinancing of assets. Marketed those properties to Real Estate professionals in the area reviewing purchase offers, borrower qualification and handling all areas relative to sale and closing. Supplementally, advised (non-fee) numerous previous mortgage clients in real estate matters relating to refinances (HARP, etc.), purchases and general credit requirements in a changed and challenging environment. Additionally, offered counsel to small businesses regarding SBA loan product offerings. MORTGAGE LOAN OFFICER II (INTERNAL) Jul 2016 - Jan 2017 Navy Federal Credit Union Waldorf, MD

Responsible for initial review, underwriting (DU and LP) and processing of received mortgage loan applications in a primarily internal origination environment. Received, reviewed and decisioned 3-5 applications per day while managing an average member pipeline of 60 loans. Responsibilities required diligent customer contact through application, processing and closing. Additionally, was responsible for maintenance of exclusive NFCU relationships with 6 Century 21 and Coldwell Banker real estate offices in Anne Arundel, Prince George's and Charles county Maryland and acquiring mortgage referrals from this group. As second in Branch authority, worked closely with Branch Manager and supervised 4-5 Junior Loan Officers and had lending and decision override authority. SENIOR HOME MORTGAGE CONSULTANT/AREA MANAGER Feb 2002 - Jan 2014 Wells Fargo Home Mortgage Waldorf, MD

Over nearly 12 yr. tenure, personally responsible for $25 million in average annual production equally proportioned among consumers, realtor, builders and small businesses (1M -10M). Constantly marketed to a personal database of over 1200 previous borrowers and implemented outside calling strategies to ensure consistent production. Expert in all types of conventional and government mortgage products. Uniquely able to recognize specific product applicability given consumer needs. Operationally, highly proficient in all areas of processing, closing and post-closing activities (Chaired post closing audit committee). Far exceeded lofty company customer service and profitability requirements. Had lending authority for 1st and 2nd mortgage and small business loans. Managed Area branch network of production, processing and closing. Additionally, as an SBA "Preferred Lender", responsible for a team (10) involved in the origination, processing, closing and servicing of SBA 7a, 504 and all other types of SBA loans. While Area Small Business Manager also responsible for the Small Business offices' lease negotiations and office equipment, computer and furniture allocation and inventory. BRANCH MANAGER II/BANK OFFICER Jan 2000 - Feb 2002 Allfirst Bank Dunkirk, MD

Manager and Officer for $28 billion commercial bank providing banking services to retail and business clients. Developed and maintained branch sales culture. Established successful referral program involving all branch personnel. Serviced and expanded existing commercial relationships and acquired banking commitments from, primarily, small businesses in the Calvert county and southern Anne Arundel county communities. In these "cold calling" efforts, sold an assortment of deposit products and credit instruments. Utilized the Bank's "Enact", Marketing Customer Information System, in targeted marketing via telephone solicitation and direct mail to increase number of products and services per customer. Utilized Shaw/CIS loan system for consumer and commercial credit extensions. Originated, closed and had lending authority for residential and commercial mortgages and commercial, consumer and SBA loans. ASSISTANT VICE PRESIDENT Mar 1997 - Jan 2000

Columbia Bank Columbia, MD

Manager and Officer for $750M commercial bank servicing the Washington, DC and Baltimore, Md. markets. Responsible for sales of financial service products to retail and business customers. Originated, closed and had lending authority for residential and commercial mortgages and commercial and consumer loans. SBA Preferred Lender responsible for a team (5) in the origination, processing, closing and servicing of 7a, 504 and all other SBA loans. Cash management product knowledge and experience.

DISTRICT MANAGER AND SENIOR LOAN OFFICER Mar 1992 - Mar 1997 Dime Savings Bank Waldorf, MD

Sub-prime manager for national mortgage subsidiary of $18 billion Federal Savings Bank. Developed and maintained broker relationships. Managed sales and operations staffs. Originated construction, conventional and government related mortgages from real estate agents and builders.

MARKETING AND PUBLIC AFFAIRS OFFICER Sep 1989 - Mar 1992 Andrews Federal Credit Union Suitland, MD

Institutional contact and representative in Washington, DC and Southern New Jersey community markets. Worldwide membership over 200,000. Assets over $700M. Credit Union liaison to membership base. Managed relations with civilian and military leaders. Maintained Marketing Customer Information File (MCIF) as a database for targeted direct mail. Instituted mailings. Measured and tracked all marketing initiatives. Utilized the database to produce specialized reports for statistical analysis for internal users. Integrated the Credit Union Service Organization (CUSO) into the Credit Union's product and service menu. Loan committee member.

BRANCH MANAGER AND DIRECTOR OF MARKETING Feb 1987 - Sep 1989 The Community Bank of Tri-County Waldorf, MD

Managed full service branch of $250M Federal Savings Bank. Grew loan and deposit bases. Responsible for development and implementation of marketing campaigns. Involved creative development, copywriting and production. Developed brochures, collateral material and point of sale items. Utilized all advertising mediums. Managed agency relationships. Originated, closed and had lending authority for residential and commercial mortgages and commercial and consumer loans. OPERATIONS MANAGER Jun 1984 - Feb 1987

Bank of America Washington, DC

Management development candidate with training and experience in all areas of $4 billion commercial bank. Rotational assignments in operations, retail banking and all lending areas with a concentration in commercial real estate. As Operations Manager had permanent, functional responsibility for sales and delivery of corporate service products including cash management and payroll processing. Worked with commercial officers in expanding relationships with bank clientele. EDUCATION

BACHELOR'S IN FINANCE

Stonier College of Banking

ASSOCIATE

Rutgers University

University of Maryland, Smith College

College of Southern Maryland

SKILLS

ERP, Receiving, Shipping, Statistical Analysis, Underwriting, Six Sigma, Production Management, Financial Services, Risk Management, Financial Analysis, Supply Chain, Computer Networking, Credit Analysis, SAP, Banking, Pricing, Copywriting, Warehouse Management, Account Management, Business Analysis, Data Analysis, Oracle, Management, Financial Report Writing, Quality Assurance, Analytics, Business Development.

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