Mortgage Loan Highlights

• Over seven (7) years of mortgage loan experience combined with over twenty (20) years of management, direct customer and consumer service experience
• Currently manage $5 million short sale division
• Created and closed the largest commercial sale in the company’s history of $1.2 million
• Proven and verifiable track record of successful loan completion through attention to detail, understanding of the customer’s needs and handling multiple priorities simultaneously
• Outstanding record of achievement in producing results with specific knowledge in the following areas:
• Regulatory Compliance
• Closing Documentation
• Knowledge of Loan Products
• Negotiating
• Lead Generation
• Asset Disposition
• Calculation of Income
• Loan Modification
• Client Advocacy
• Networking

Experience

Confidential, (2008- Present)
Manager of Short-Sale Division

• Built first short-sale division within the company and have grown it to over $5 million
• Brought in to establish short-sale division based on expertise
• Implemented short sale processes and appropriate reporting
• Assist with court and public records to identify liens against real property with marketable and insurable title
• Ensure all areas of customer package are covered by lenders’ needs
• Use strong negotiation skills to negotiate with lender on behalf of client’s needs
• Weekly updates to clients regarding pending packages
• Manage financial documents, settlement transactions, loan documents, appraisals and collateral of property
• Consistently exceed monthly quota of 3 closed files per month
• Generate leads using guerilla marketing tactics including word-of-mouth referrals, flyers, trade shows, open houses and professional networking
• Prepare marketing campaigns and coordinated materials for new projects.
• Established lead channel with asset managers at regional banks to identify, capture and close available properties to ensure future first access to properties from their asset lists
• Created training manuals for channel usage
• Use strong customer service, follow-up and interface skills in managing client’s expectations to a successful outcome and managed process for assisting them in gathering related documents including settlement transaction, loan documents, and Appraisals/Collateral of property
• Manage all short sale files in a proprietary database and report weekly updates to CEO
• Interface and collect documents from Clients.
• Implemented in house Title Agent
• Assist with court and public records to identify liens against real property; with marketable and insurable title.
• Ensure all areas of customer package are covered by lender’s needs.

Confidential, (2008- Present)
Short-Sale Consultant

• Worked with business owners to establish short-sale processes and procedures for new short-sale offering
• Created training manuals for new processors on appropriate documentation required and internal processes for successful short-sale transactions

Confidential, (2006-2008)
Operations Manager

• Managed 25 person local employees and managed sales staff consisting of a marketing director, 5 sales people and 7 internationally based independent channel sales staff in the following countries:
• Denmark
• Italy
• England
• South America
• Russia
• Worked with IT to develop homegrown CRM for lead and opportunity tracking system
• Led Product Management effort to determine how product was presented, packaged and demonstrated and assisted in customer demonstrations and resolved pre-sales customer issues
• Also directed software integration discussions and work with technical support to solve customer problems including HTML-windows to Apple conversion
• Responsible for the training of new sales people including creating training manuals consisting of:
• Established service deliver models Graphics
• Step-by-step instructions
• FAQ
• QA processes
• Providing frequent updates
• including both customer self-service and full Professional Services deployment offerings
• Responsible for leading Pipeline Management effort, pricing and weekly pipeline calls
• Also responsible for other daily operations of the company including HR development, payroll, staffing, financials, receivables, collections and meeting company standards as requested by CEO
• Reason for leaving- Company lost funding and was reduced to the founder to continue operations

Confidential,(2006)
Client Sales and Implementation Specialist

• Manage internal and external customer expectations as well as working closely with other Ultimate Software Consultants and implementation partners to ensure delivery
• Perform needs analysis reviews and provide product and subject matter expertise to clients and to the professional services team
• Identify up-sale opportunities for Professional Services and additional modules (tax, multi-state, etc.) to maximize revenue
• Effectively implement change control and escalate major scope changes to the client and follow the standard implementation methodology
• Complete assigned project tasks as outlined in Client Implementation Plan
• Create and Maintain Scope Document and Project Plan
• Write specifications for all custom programs required and submit to the technical implementation team in a timely manner
• Provide accurate and timely information regarding project status, T& E and project hours to the Work Report System

Confidential,(2002-2006)
Loan Officer

• Solicited examined, evaluated and processed credit and loan applications and interviewed applicants for personal mortgage and business loans.
• Responsible for selling to homeowners, real estate companies and banks for residential and commercial loans and verifying conditions of approval which may include customer income/assets documentation
• Resolve routine title issues including vesting issues, child support liens, judgment liens, mechanic liens and other undisclosed liens
• Worked directly with the Bank’s underwriters to clear the conditions for the loan
• Highest producer and first to close a commercial loan deal in the organization
• Closed largest mortgage in the company’s history at $1.2 million
• Established creative marketing approach for new lead generation including
• Mall Kiosks
• Mass Marketing
• One-to-one Marketing
• Mommy and Me
• Solicited examined, evaluated and processed credit and loan applications and interviewed applicants for personal mortgage and business loans. Responsible for but not limited to verifying conditions of approval which may include customer income/assets documentation.
• Evaluated loan applicant financial status and verified the available collateral
• Explain loan product and interest accrual
• Assemble applicants financial documents and work with underwriters
• Assisted and completed credit and loan documentation for all clients
• Worked directly with wholesale mortgage underwriters

Confidential,(1998-2002)
Flight Attendant

• Responsible for customer service and safety

Confidential,(1993-1997)
Financial Analyst and Buyer

• Responsibilities included product selection and purchase and placement within the Blockbuster stores
• Negotiated deal terms and conditions with vendors

Confidential,(1988-1993)

Education and Training
Business Management
Professional Development

• World Mortgage Seminar and Mentor program: 2003-2006
• National City Seminar: 2003-2006