**** ***. ****** *******

San Juan, Texas ***** F 956-***-**** Fax 956-***-****

Joe C. Granados

Summary A professional individual with extensive management and sales experience in various industries consisting of retail, direct sales, mortgage, insurance sales and marketing. Advanced from entry level to a Regional Manager position. ( 15 years of management experience) Searching for an Employer that will allow me the opportunity to share my extensive experience, as well as with others.

Experience 2006- Jan, 2008 Citimortgage, Inc. O’Fallon, Mo

Account Executive- Prime/Subprime (South Texas)

Developed the South Texas area consisting of Corpus Christi, Laredo and the Rio Grande Valley and serviced all clients

Trained all clients on Website Underwriting System

Returned phone calls, emails, assisted with problem files and made weekly/biweekly office visits to generate business

Reviewed Borrower’s files and credit for loan pre-approval and program placement

Secured new business thru referrals and cold calls

Constant monitoring of all loans in pipeline

Assisted all clients with problem files and issues

Worked independently and remotely out of home office

Increased business from $0- an average of $3M per month

2004–2006 Countrywide Financial Corp. Plano, Tx

Area Manager- Subprime (South Texas)

Developed the South Texas area consisting of Corpus Christi, Laredo and the Rio Grande Valley and serviced all clients

Reviewed Borrower’s files and credit for loan pre-approval at client’s offices and via fax to generate business

Trained existing and new clients on how to use company’s Website Underwriting System

Returned phone calls, emails and made weekly/bi-weekly office visits

Secured new business thru referrals and cold calls

Assisted all client with problem files and issues

Worked independently and remotely out of home office

Managed all loans in a $3M per month pipeline

Increased volume from $1.5M to $3

Consistently met monthly goals or surpassed by 15-20%

2002–2004 Wells Fargo Home Mortgage Baton Rouge, La

Account Executive- Subprime ( South Texas)

Serviced existing and new clients as well as developing the South Texas area consisting of Corpus Christi, Laredo and the Rio Grande Valley

Reviewed Borrower’s files and credit for loan pre-approval at client’s offices and via fax to generate business

Returned phone calls, emails and made weekly/biweekly office visits.

Secured new business thru referrals and cold calls

Assisted all clients with problem files and issues

Worked independently and remotely out of home office

Increased volume from $800K- 2.5M

Consistently met monthly goals or surpassed by 15-20%

2001-2002 Wells Fargo Home Mortgage McAllen, Tx

Mortgage Loan Officer - Prime

Prequalified customers for mortgage loans, refinance, new construction, one time closings and cash out home equity loans

Entered all customers information into Loan Origination System

Structuring of all Conventional, FHA and VA loans

Ordered Title Commitments, Surveys and Appraisals

Copied and prepared all loan packages and sent to processing center to prepare for closing

Constant communication with Borrowers on loan status and conditions to be met prior to closing

Made presentations to Realtors and Builders to secure business

Attended all closings

2000–2001 TransCom Wireless (Cellular One) McAllen, Tx

Director of Sales

Supervised 4 Branches

Trained, coached and developed sales staff consisting of 24 B2B account executives and 4 Branch Managers

Developed Excellence in Sales training course

Visited Branches weekly

Involved in all customer service and equipment issues

Monitored and reviewed P&L with Branch Managers monthly

Held weekly conference calls to review goals and sales results and one on one performance reviews with Branch Managers

Increased company’s sales by 20%

1994-2000 Snyder Communications Bethesda, Md

Regional Manager

Supervised 10 Branch Offices in the state of Texas and New Mexico

Visited Branch offices on a monthly basis

Pioneer in developing the “ Win Back” marketing project for AT&T

Recruited, hired, trained, coached and developed new and existing Branch Managers

Assigned sales goals for all Branches and monitored Quality Control

Held weekly conference calls to review sales progress

Reviewed sales results and P&L one on one with Branch Managers on a monthly basis

Worked independently and remotely out of home office

Increased sales volume by 25% thru the increase of sales force and additional locations

1992-1994 Service Merchandise McAllen, Tx

Jewelry Manager

Supervised 20 employees and 40 during peak times

Prepared weekly work schedules

Maintained daily merchandise inventories

Scheduled special events and sales merchandise tagging

Held weekly meetings to review sales results and one on one reviews

Trained, coached and developed all employees

Received Manager of the year award

Consistently surpassed sales goals by 20-30%

1987-1992 Gordon’s Jewelers Brownsville, Tx

Store Manager

Supervised 8 employees, 12 during peak times

Prepared weekly work schedules

Maintained daily merchandise inventories

Scheduled special events and sale merchandise tagging

Trained, coached and developed all employees

Held weekly meetings to review sales results and one on ones

Received a 1 ct. diamond and an all expense paid trip to Hawaii due to sales performance

Improved sales volume by 50%

Education

Additional Experience Graduate of McAllen High School McAllen, Tx

Insurance Agent and Sales Manager- 3 ½ years

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