Michael Cole

*** ****** **

St. Augustine, Fl. **095

Phone: 904-***-****

OBJECTIVE

To work for a company that will enable me to utilize my knowledge and experience in Sales, Sales Management, Operations and Customer Service while keeping up with the changing market. Wanting to become a great asset to a company that has goals and willingness to succeed while delivering first class service in today’s challenging market.

EMPLOYMENT

6/07 – Present Absolute Home Mortgage Corp.

Retail Account Manager / Loan Officer

I am working with the general public and Realtors from various real estate companies originating Mortgage loans. Pre-Qualify buyers for mortgages So they know what they can buy and under what programs. Prepare loans for underwriting making sure they are within the investor’s guidelines. I work with the customer making sure all conditions are met so the loan closes in a timely manner. I am always working to locate new Customers and Realtors, in the areas of Florida and New Jersey with marketing idea. Working with outside Realtors and Realtors that work for our real estate company, helping them with the structuring of loans and guidelines to increase sales and closing ratios. Research new programs that could help our sales team close more loans and give or realtors more programs for there buyers.

5/05 – 10/09 New Dawn Mortgage LLC, Florida

Managing Member

Supervised all daily operations, overseeing of loan documents that are being originated and submitted and made sure they were closed within a timely manner. Consulting Clients and Brokers on what programs and options they have to best-fit there needs. I would spend time with the public, Brokers and Realtors on the ever-changing market and inventors guidelines. I incorporated and trained new employees on policy and procedure and how to deal with the ongoing changing market. Made sure sold loans we packaged and sent to the correct investor and met all State and Federal guidelines (HMDA), Monthly loans of at least 2 Million

5/03 – 5/05 Service First Mortgage LC, Florida

Head of Operations/Sales – Retail/Wholesale

Managing (60+) and expanding all aspects of sales, sales Marketing, underwriting, pricing, and funding. Made sure loans met investor guidelines and were processed, closed and sold to investors in a timely manner. Made sure all loans were put through Disco, Lexis Nexus and Others fraud detections per Investor. Constantly researching and analyzing new products to increase sales volume and profitability for the company. Dealt with Broker and Investors on the finalization of rates, and to make sure all state and federal (HMDA) regulations were met. Responsible for the hiring and training of all new hires in Sales and Operations. I was responsible to deal with any and all issues within the division. Sales produce at least 20 to 30 Million a month

8/01 – 5/03 Service First Mortgage LC

Account Executive - Wholesale

Sales developing and expanding client relationships. Made daily calls to brokers, prepared files for underwriting, kept updated with all investor guidelines. Also produced marketing products for entire division, assisted other members with pricing and guidelines. Was the #1 producing team in wholesale from 2001 thru 2003 for the company with an average pipeline of over 3 Million

2/01 – 8/01 Service First Mortgage LC

Account Assistant

Assisted manager on daily sales calls, learning investors product and guidelines, preparing files for underwriting and working with brokers getting conditions on files to be closed in a timely manner. Also worked with prequels on a daily basis.

11/98-2/01 Toyota/Dodge

Automobile Sales

Worked in automobile sales, dealing with customers in person and through the internet to help find them the vehicle that they wanted. Having to know the car types and features of all the models we carried. Helped finance to make sure customers was qualified prior to financing. I handled inventory for the new car lot that also included prepping, tagging and stocking of all new cars from the plant that were delivered. Top 5 ranked salesmen for last 2 years there.

Summary of qualifications

• Computer literate (Microsoft Word, Office, Excel, PowerPoint, Windows XP, DU, DO, LP, Outlook Express, Adobe, Act Data Base, Encompass)

• Excellent communication and presentation skills

• Strong leadership and customer service skills

• Ability to motivate others

• Consulting approach to understanding a customer needs

• FHA/VA, Conforming, Alt-A, Sub Prime

• Investor Knowledge ( CW, Chase, B of A, Wells Fargo, HSBC, Flagstar, GMAC) and more

EDUCATION

Franklin Senior High School – Reisterstown, Maryland

1985-1989

People to People Sales Training Through Toyota (1999)

Chase Bank FHA seminar (2008,2009)

Mortgage Understanding seminar (State Of VA.) (2003)

Broker Continuing Education class (2008, 2009)

Mortgage Broker License #MB100005088

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