Account Executive

VICTORIA REBACK

Livermore, CA *****

PROFESSIONAL PROFILE

An innovative, results-driven professional with substantial achievement in management, business development, customer service, training and financial services. Possesses strong communication, problem solving and interpersonal skills. Versatile leader in managing through organizational changes, both rapid expansion and required downsizing. An adaptable fast learner who thrives in a fast paced changing environment.

AREAS OF QUALIFICATION

Sales Management Residential Lending

• Created, implemented and managed a comprehensive business plan which included territory development and staff recruitment to originate residential home mortgages. Achieved profitability within 7 months of operation.

• Recruited 7 loan consultants, 3 top producing president’s club members with their prior company and 4 operations staff within 90 days of operation to service a client base of builders, realtors and consumers.

• Awarded Top Producing Sales Manager for the years 2000 and 2001.

Senior Vice President - Residential Lending

• Led a team consisting of 27 loan centers and satellites and 78 retail bank branches to originate portfolio and secondary market residential loan production to $1.4 Billion annually, meeting and exceeding goals.

• Successfully managed an annual budget of $12.5 Million at or below targeted budget.

• Teamed with senior management to expand lending operations within 8 Loan Center and Satellite locations throughout Arizona, Colorado and Nevada.

• Recruited top performing District, Regional, Sales and Operation Managers as well as Loan Consultants and Account Managers for Arizona, Colorado and Nevada, resulting in high volume branches with minimal training costs.

Vice President-Residential and Constructing Lending

• Directed the origination and coordination of residential and construction lending efforts in the east bay area of Northern California, resulting in the funding of $165 Million and 110% of goal.

• Recruited and managed a staff of 14 residential loan consultants, 2 construction loan officers, operations manager and 6 lending support coordinators

• Consolidated and merged the loan origination and operations of three savings and loan lending branches, Washington Mutual, Great Western and Home Savings, three disparate bank cultures, into the Fremont Home Loan Center into a cohesive, productive lending center

Real Estate Sales and Property Management

• Managed 9 residential real estate offices, a commercial/industrial division, and an REO department employing 13 managers and 200 sales associates.

• Listed, managed and sold REO properties for Rainier Bank and Old National Bank working direct with the banks legal department resolving contract disputes and negotiating settlements.

Account Executive Servicing Mortgage Brokers

• Called on and serviced mortgage brokers within a specified territory to maximize sales volume for residential 1st and 2nd mortgages.

• Developed account relationships with mortgage brokers resulting in increased loan sales up to 10% of their total volume.

• Facilitated presentations and workshops for brokers providing product knowledge, marketing and processing training, increasing referrals from 0 to 10%.

VICTORIA REBACK PAGE TWO

Private Mortgage Banker/Mortgage Consultant

• Market and Managed the Residential Loan Process to high net-worth clientele.

• Partnered and strategized with Premier Bank Managers increasing their knowledge in bank lending programs, providing product and sales skills training resulting in increased qualified referrals to the lending channel.

• Credit Underwriting authority to loan amounts of $1,000,000 requiring financial statement and income analysis to high net worth clients.

PROFESSIONAL EXPERIENCE

WELLS FARGO HOME EQUITY WHOLESALE 2007 – 2008

Account Executive

WELLS FARGO HOME MORTGAGE WHOLESALE 2005 – 2007

Account Executive

GUARANTY RESIDENTIAL LENDING – WHOLESALE 2004 – 2005

Account Executive

WELLS FARGO HOME MORTGAGE 2002 – 2004

Private Mortgage Banker/Mortgage Consultant

NORTH AMERICAN MORTGAGE COMPANY 1999 – 2001

Sales Manager – Residential

WASHINGTON MUTUAL BANK 1997 – 1999

Vice President-Residential and Constructing Lending

AMERICAN SAVINGS BANK /WASHINGTON MUTUAL 1991 – 1997

Senior Vice President-Residential Lending

PROFESSIONAL EXPERIENCE PRIOR TO 1991

VAN VLECK REALTORS, merged with Cornish and Carey

Financial Liaison, Inc. Broker Owner

EDUCATION

Fresno, Contra Costa and DeAnza College – Business Major

GRI Graduate of the Real Estate Institute.

PROFESSIONAL DEVELOPMENT

• Sales Management – Dennis Black • Effective Corporate Calling 1 and 2

• Management Skills for Supervisors • PSS- IBM Professional Selling Skills

• Effective Presentation work shops 1 and 2 • Spec Construction Financing

• Effective Presentation Skills for Executives • Conventional Underwriting

• Extraordinary Sales Leadership – Cohen Brown • Income and Tax Analysis

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