Seasoned Mortgage Consultant

David Walczak



**** ******* *****

Fredericksburg, VA 22408

Telephone: 540-***-****

E-Mail Address: *********@*****.***

 15 years of progressively responsible sales, lending, and management positions in the mortgage and retail sales industry, combined with skills in building customer relationships, will add value

 Goal oriented sales professional with outstanding interpersonal skills and strong proficiencies in both leadership and organization with a demonstrated ability to significantly increase sales and profitability. A highly motivated and hard working self starter with the objective of improving operating performance, profitability and business growth, by providing quality administrative and operational direction from a sound knowledge of sales and mortgage loan strategies

 Leader, trainer, and team builder with extensive operational and administration experience, as well as, outstanding management, analytical and technical acumen

 Committed to fostering a cohesive and productive workplace environment

 Excellent interpersonal relations/oral and written communication skills

 Versatility, adaptability, and willingness to tackle new responsibilities and multiple tasks; self-starter, assertive, positive “can do” attitude, and team player

 Personally committed to the highest ethical standards

 Proven history of achieving the highest levels of performance and productivity

 Expert ability to perform work related to developing and maintaining relationships with stakeholders in various levels of government, private industry, and federal, state, and local agencies/organizations

 Demonstrated ability to prioritize workloads and meet goals and deadlines

 Expert ability to mentor new employees

 Expert ability to submit all required reports in a timely manner in an environment of frequent change and unexpected events

 Expert ability to develop and deliver training

 Team player with impeccable personal and professional integrity

 Resilient, Strong enterprising spirit and character, Innovative thinker, Resourceful

 Expert ability to provide technical direction and guidance to assigned team members

PROFESSIONAL WORK EXPERIENCE

BRANCH MANAGER, DYNAMIC CAPITAL MORTGAGE (2008-PRESENT)

MANASSAS, VA

FULL-TIME, 40+ HRS. /WK

 Solicit and originate mortgage loans for new home purchases and refinancing. Loans are sold in the secondary market.

 Supervise and developed two loan originators.

 Maintain a database of over 500 clients and provide continuing correspondence to ensure satisfaction and generate future revenues.

SENIOR MORTGAGE CONSULTANT, OLYMPIA WEST MORTGAGE (2004-2007)

FREDERICKSBURG, VA

FULL-TIME, 40+ HRS. /WK

 Developed referral sources for potential mortgage loan clients that included realtors, builders, certified financial planners, accountants and existing clientele.

 Customize loan programs tailored to meet the financial needs of individual clients. Reviewed credit reports, analyzed income statements and performed underwriting of income versus debt and combined asset worth.

 Ensured timely closing of loans by maintaining constant communication throughout the entire loan process amongst borrower, appraiser, Loan Company, Title Company and realtor.

 Helped negotiations of credit approvals, workouts, rescheduling, and settlements

 Originated and closed $39.4 million in loans during tenure.

HOME MORTGAGE CONSULTANT, WELLS FARGO HOME MORTGAGE (1998-2004)

FREDERICKSBURG, VA

FULL-TIME, 40+ HRS. /WK

 Actively solicited mortgage loans through self-promotion and development of marketing strategies in the Fredericksburg area.

 Expedited loan processes by efficiently networking key players, including loan processors, appraisers and local title companies.

 Originated and closed $14.8 million in loans in the last year.

HOME SALES CONSULTANT, OAKWOOD HOMES, INCORPORATED (1992-1994)

NEW BERN, NC (1994-1998)

STORE MANAGER, ATHLETE’S FOOT, INCORPORATED

ARLINGTON, VA

FULL-TIME, 40+ HRS. /WK

 Responsible for managing, training, scheduling a staff of 15 for high volume location.

 Effectively handled all merchandising, inventory control, bank deposits, sales reports, as well as being top sales person in the district.

COMPUTER INFORMATION TECHNOLOGY SKILLS

 Proficient in use of most major computer systems, information systems, spreadsheet applications, graphic and presentation applications, and word processing applications, including but not limited to: Windows 98 / ME / 2000 / XP / Vista; Microsoft WordPerfect; Microsoft Office Suite: MS Word, MS Excel, MS Access, PowerPoint; MS Publisher; Internet Explore; Netscape Navigator; Lotus 123

OTHER RELEVANT PROFESSIONAL DEVELOPMENT TRAINING AND QUALIFICATIONS

 Expert ability assessing the ability of prospective borrowers to repay loans and to comply with necessary terms, conditions and covenants governing the loan, e.g., to make tax payments and maintain adequate insurance coverage on property, or to operate under efficient financial management policies

 Expert ability determining appropriate action necessary to resolve borrowers difficulties in meeting loan terms

 Expert ability developing sound courses of action in liquidating loans to insure least amount of loss to the Government or damage to the borrower

 Goal oriented sales professional with outstanding interpersonal skills and strong proficiencies in both leadership and organization with a demonstrated ability to significantly increase sales and profitability. A highly motivated and hard working self starter with the objective of improving operating performance, profitability and business growth, by providing quality administrative and operational direction from a sound knowledge of sales and mortgage loan strategies

OTHER SKILLS/ABILITIES AND INTERESTS

 Knowledge and understanding of FAR Part 8

KNOWLEDGE/SKILLS/ABILITIES

 Expert ability developing and establishing loan policies, regulations, and procedures; examining and approving, or disapproving, loan applications, applications for the insurance or guarantee of loans or for the reamortization of loans, applications for the partial release of security or the release of personal liability, and proposals for the substitution of security

 Expert ability reviewing and approving, or disapproving, offers of mortgages for purchase

 Expert ability servicing and adjusting current and delinquent loan accounts or loans in default

 Expert ability administering tax and insurance accounts

 Expert ability making periodic inspections of security properties

 Expert ability determining the propriety of and carrying out various actions in the acquisition, liquidation, and sale of loans or loan security

 Expert ability advising borrowers, lenders, and others concerned on financial and credit matters

 Working knowledge of laws and customs governing negotiable instruments; transfers of title to realty and chattels, and assignment of collateral

 Knowledge and understanding of related economic factors and trends pertinent to the loan under consideration

 Demonstrated ability to prioritize workloads and meet goals and deadlines

 Expert ability to track and compile data and statistics for measuring results and impacts and for performance-based reporting

 Expertise in developing and implementing effective policies and procedures

 Ability to develop and deliver training

 Ability to effectively represent senior level staff at working groups

 Excellent problem solving skills and ability to adapt to changing stressful circumstances

 Proven leadership skills

 Punctual, diligent and professional with the ability to plan work and meet deadlines

 Ability to lead, direct, coordinate, supervise, and manage the work of a diverse workforce

 Proficient in use of most major computer systems, information systems, spreadsheet applications, graphic and presentation applications, and word processing applications

 Ability to direct and manage large-scale operations to efficiently achieve specified goals and objectives

 Ability to establish and maintain effective working relationships

 Extensive communication and negotiation skills

 Ability to gather salient and material facts from varying sources and through various mediums and make the appropriate recommendations

 Extensive experience in collecting, analyzing, evaluating, and disseminating sensitive information

 Ability to work under a myriad of stressful conditions and excel

PERSONAL INFORMATION

 Highly self-motivated and work well both independently and collaboratively

 Expert ability to plan/organize work

 Expert ability to establish and maintain strong, effective, working relationships with culturally diverse groups and in culturally diverse environments

 Excellent oral and written communications skills

 Positive mental attitude, committed to high work productivity and eager to learn new skill sets

 Ability to work safely, effectively and maintain professionalism and composure under adverse and stressful conditions

 Excellent health and physical condition with ability to work effectively under stressful conditions and in various geographical locales

 Ability to work long hours, weekends, holidays and under undesirable conditions on short notice

 Expert ability to communicate, counsel and advise clearly and effectively, both orally and in writing with diplomacy and tact with all levels of staff and individuals

 Extensive demonstrated supervisory, public speaking, and leadership experience

 Strong analytical, negotiation, investigatory, administration, and mediation skills

 Personable, intuitive, inquisitive, diligent, punctual, unselfish, trustworthy, loyal, highly motivated, and committed to high ethical standards and personal integrity in every situation

EDUCATION

East Tennessee State University, Johnson City, TN 37601

Major: Field of study – Business Administration - 24 Semester hours

August 1990 - May 1991

Germanna Community College, Locust Grove, VA 22508

Major: Field of study - Business Administration - 36 Semester hour

August 1991 - May 1992

North Stafford High School, Stafford, VA 22554

Grad. June, 1989

 REFERENCES AVAILABLE UPON REQUEST

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