Michael Young

Michael Young

RT * Box ***-B Waycross, GA ***** Home 912-***-****

*Sales experience including prospecting clients and closing *Entrepreneurial spirit, Exceptional Leadership Skills

* Superior organizational and time management skills

* Excellent communications skills and the ability to adapt to different styles

* Proficient in Point, Encompass, MSWord, Excel, Access, Outlook

National Mortgage Network 23461 Southpointe Dr., Laguna Hills, CA 92653

April 2006- April 2007

Senior Loan Officer - Originate real estate secured loans from 21states by developing relationships through Lending Tree lead base and customer referrals. Source loans to various lenders and pre-qualify potential customers, develop strong relationships, gather and review loan documents, maintain contact with customers throughout the loan submission, approval and funding process. Use benefit based selling to keep high funding ratio.

Fieldcrest Mortgage Corp 23101 Lake Center Drive, Lake Forest, CA 92630

September 2005 - December 2005

Retail Sales Manager - Manage 8 - 10 loan officers, responsible for staffing, production, management of leads distribution and pipelines, placement and accuracy of files. Managed and conducted sales and customer service traing including sales techniques, products, credit analysis, refinance and purchases, appraisal review and issues related to mortgage lending.

Finance America, LLC/Lehman Bros. 16802 Aston Street, Irvine, CA 92606

Wholesale Division - April 30, 2005 – Present

Retail Division – August 2003 – April 30, 2005

Wholesale Client Manager - Establish contact with brokers via outbound calls to solicit wholesale loans, obtain qualified loan submissions, manage inbound calls. This position entails prompt and efficient service to brokers via phone, the internet and coordination between the Broker, Underwriter, Appraisal Reviewer, Closing Agent and Funder. In order to maximize opportunities in assigned territories, one must maintain outbound call volume, prompt response to inbound inquiries and provide quick and accurate pre-qualification service to broker client in order to develop a high volume book of business. Knowledge of Finance America Guidelines and its distinctions helps provide prompt and useful service to brokers.

Retail Loan Officer - Originate real estate secured loans from all 48 states by developing relationships through inbound calls and customer referrals. Source and pre-qualify potential customers, develop strong relationships, gather and review loan documents, maintain contact with customers throughout the loan submission, approval and funding process. Used benefit based selling to keep high funding ratio. The company closed its Retail Division and successful applicants were offered Wholesale positions. Retail backgrounds do well in the Wholesale environment as there is an understanding of how packaging affects turnaround times and quality loan funding.

Southern California Tank & Testing Co. 715 Emerald Way, Placentia, CA

Jan. 1986 - April 2003

Engineering Contractor - Provided full product delivery systems testing services to include repair, removal, design and installation of fuel delivery systems for both private and public sector clients. Also provided an array of other various environmental services and equipment services.

EDUCATION

1980 - 1985 Arkansas State University, Advertising, Minor in Business Management

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