Gary W. Ripsco

*** *********** **, *********, ** 92057

760-***-****© 760-***-****(h)

Email. jumuw4@r.postjobfree.com

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Experience

*/**** ** */**** New Start – San Marcos, Ca – Loss Mitigation Consultant

Answered inbound calls originating from direct mail campaign

targeting Homeowners 3 or more months behind on their mortgage

payments. Interviewed Homeowner to determine problem & eligibility for a modification program that would solve their needs. Incorporated Consultative Selling Techniques to enroll Homeowner in a loan modification program with our Law Firm partner.Consistently met monthly selling goals. Responsible for opening

office on weekends.

5/2010 to 6/2011 VS Legal Center – Carlsbad, Ca – Loss Mitigation Consultant

Analyzing the financials of stressed Homeowners seeking a solution to their mortgage payment problems and presenting solutions. Strong customer service and sales skills required as Prospects originate from radio, internet, live call center and email marketing.Imperative confidence and trust is built in that first call. Work with

Clients to compile a successful submission package. Discuss various

options Homeowner qualifies for then develop plan of action. Upon

submission to Lender communicate with Client as questions arise.

4/2009 to 12/2011 The Whitening Pros, Oceanside, Ca – Owner/Partner

Imported and marketed teeth whitening equipment and supplies from France, China and the US with primary markets being medspas, spas and salons. As Principal Owner oversaw the hiring of Independent Reps to sell products nationwide, inventory control at Oceanside, Ca and Houston, TX locations, website content and

company financials. Due to the economic conditions in the spa industry the company is in the process of liquidation.

4/2005 to 6/30/2009 Pacific West Lending, Carlsbad, Ca – Loan Officer

Originating home loans throughout the US through direct mail marketing in a busy call center environment. Received inbound lead calls generated from direct mailings to target markets. Analyzed applicants' financial status, credit, and property

evaluations to determine feasibility of granting loans. Instructed employees on lender programs and company customer service procedures along with monitoring my personal loan production with constant communication with Borrowers. Promoted to open second office staffed with 15 loan officers and support staff in Carlsbad, Ca when financial lending markets ceased functioning.

11/1999 to 3/2005 Firestone Tires & Service – Manager of the Carlsbad, Ca Store.

Duties included all management functions including sales, training, ordering, hiring, scheduling, merchandising, customer service and generating new accounts.. Supervised a staff of 16 employees including mechanics, assistant managers and customer service/sales staff. Reviewed inventory and sales records to prepare

reports for management and budget departments. Highlights: designated a training store, presented multiple awards for sales and customer service. Nationally recognized as one the top producing stores in the US placing 18th out of 1,800, up from 64th ranking. Increased service & tires sales over 60%. Sent to secondary Manager School receiving instruction in subordinate training methods, conflict resolution, how to analyze financial data at store and zone level and extensive customer service procedures. Coordinated with company officials to develop methods and procedures to increase sales and expand markets . Implemented Toys for Tots Fundraiser first at store level and later expanded to a national program.

Self-employed – Owner of relocation business contracting

packing services to local moving businesses, corporate accounts,

individuals and local military. Employed a staff of 6 people and

utilizing 3 company trucks. Performed all financials and human

resource functions associated with owning a small business.

Four-Way Shocks, Inc., San Diego, Ca Sales Manager

Established national sales force of 28 Independent Reps. Developed

OEM business with Fleetwood Industries and Dolphin Mfg.

Represented company at trade association meetings to promote

Products. Plan and direct staffing, training, and performance

evaluations to develop and control sales and service programs.

Developed cost effective marketing campaigns for target markets.

Company sold at end of 1984.

Education – San Diego State University BS in Business Management

California Real Estate License - 2005

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