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Account Manager Resume

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Bountiful, UT

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Summary:
A business professional with over 8 years experience in mortgage lending, finance, credit analysis and database development
Skills Summary:

  • Mortgage experience
  • Finance background
  • Credit analysis
  • Project management
  • Commercial loan experience
  • SQL and MySQL development experience and training
  • Advanced MS Office skills (Excel, PowerPoint, Outlook, Access and Word)
  • Management experience

Experience:

Confidential, /4 02/2009 - Current
Co-Founder/Partner

  • Responsible for analysis of loan documentation to determine underwriting viability of sub prime candidates. Acted as a consultant to mortgage originators and processors on sub prime clients. Involved reviewing candidate credit files, income statements, bankruptcy and foreclosure filings for potential errors which might permit eventual home loan financing.
  • Familiar with foreclosure process and documentation requirements in Utah, California, Nevada, Arizona and Colorado.
  • Work with attorneys to pursue home loan modification for home owners. Familiar with HAMP documentation and income requirements
  • Review client foreclosure documentation for disputable procedural flaws
  • Review client bankruptcy documentation for disputable procedural flaws that would allow lender to facilitate lending process
  • Familiar with state and federal laws pertaining to foreclosure, bankruptcy and credit
  • Acted as a paralegal, creating and editing Statements of Work (SOWs) derivative of governing Master Agreement
  • Review credit bureaus
  • Accustomed to handling sensitive, and confidential records
  • Investigate reasons for default including authenticity of documentation and compliance to underwriting standards and guidelines
  • Review and compare home appraisal documentation against third-party valuation data (such as data provided on Zillow.com) to validate/analyze property valuation statements and documentation.
  • Work with attorneys to negotiate settlements on accounts

Confidential, 01/2008 - 01/2009
Account Manager

  • Originated commercial loans for equipment finance company, ranging from $125K to $5M.
  • Gathered required documentation to process loan, including company financials, Letters of Credit, personal guarantees from company principals and other documentation as required by lenders.
  • Negotiated loan terms with client
  • Structured loan under Marquette's Master Lease Agreement. Revised MLA as needed to fit agreed-upon structure for client.
  • Familiar with key financial analytics, such as EBITA, llllllllllllllll

Confidential, 01/2007 - 01/2008
Sales Manager, Northern Utah

  • Managed outside sales activity for nine Home Depot stores throughout Northern Utah
  • Built sales team from three reps to eleven in three months
  • Raised team revenue by 122% in one quarter
  • Ongoing sales management, including:
  • Interviewing and hiring
  • Sales training
  • Revenue forecasting and quota management
  • Lead generation training

Confidential, 2006 - 2007
Loan Officer

  • Originated residential home loans
  • Gathered and reviewed customer documentation to process loans
  • Calculated key loan requirement metrics (such as client's debt to income ratios and credit scores) to determine proper loan program for client

Confidential, 2003 - 2006
President and Owner

  • Developed and released web-based marketing services for small to mid-sized businesses (restaurant and health-care providers major target)
  • Project management experience implementing services at client sites
  • Responsible for managing team of B2B sales reps
  • Managed P & L for company

Confidential, 2002 - 2003
Director, Product Marketing

  • Gathered product requirements for web-based storage product
  • Turned product requirements into technical requirements for development team
  • Created a marketing plan to release the product through direct and indirect channels
  • Developed business relations with key technology providers to develop, test and market product.
  • Planned and tracked major product development and launch milestones

Confidential, 1998 - 2002
Director, Business Development

  • Partnered with content providers to provide content on site
  • Responsible for PR strategy and media placement
  • Developed sales channel with Doubleclick

Confidential, 1987 - 1997
Director, Business Development

  • Negotiated OEM sales agreement with IBM $8M annual revenue
  • Structured 3Com international bundling agreement $3M annual revenue
  • Negotiated $3.5 sale of NEST division

EDUCATION

Nx Level MBA Certificate
SLCC

  • Business training in Finance and Marketing

B.S. Business 1980 - 1986
Brigham Young University

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