Accomplished lending professional with 21 years experience in Residential mortgage lending and 7 years of Real estate sales, seeking a cross over position that would be in the area Residential Mortgage loan operations or Commercial mortgage loan origination.
CLARIFICATION OF EMPLOYMENT OBJECTIVE
For clarification, I am not seeking a position in processing or underwriting when I reference mortgage loan operations.
Much of my lending experience was with Savings banks for whom I provided portfolio product. My experience was often in complex lending situations and multiple property loan originations. I garnered an understanding of the assessment of risk and offsets to that risk. I have learned how to assess the lending decision based on not only the objective overview of income and credit data, but additionally assessing the overall risk based on other subjective components; client related such as aggregate loan to value of the clients portfolio, geographic and economic based circumstances that can affect both existing portfolio and future lending decisions.
As a secondary objective, I have interest in commercial lending. If I were to make a change in lending as an originator, it would be in the commercial and multi-unit residential market.
Sales Management Experience
Sales Manager downtown branch located at 4th and E Street for Countrywide Home Loans between October of 2005 and October of 2007. Managed a total of 6 loan consultants and additional operations staff. Fundings of approximately 120 Million annually. Responsible for production and management of Net Profit margin.
Barton Kort – Past Regional manager Home Savings, Sales manager Washington Mutual and Countrywide Residential lending 808-635-0722 (my manager at WAMU)
Randy Florence - Currently Branch manager - Prime Lending in Palm Springs. Was my Area manager at Countrywide.
Pete Philippe –Previous Loan center manager American Savings, and Washington Mutual .Currently Princeton Capital loan consultant, Santa Rosa 707 481-2737
Lawrence Hoburg – Previous Home loan manager Home Savings, Washington Mutual, Countrywide home loans. Current manager B of A, San Francisco 415-522-7204
Dan Ward – Currently Sr. vice Pres. B. of A., previously my Area manager Washington Mutual
Stacey Spence – Regional Manager Countrywide Home loans (Hired me from WAMU to Countrywide)
Previously Vice Pres. of Lending Operations Washington Mutual,
Kevin O'Neill – Top loan consultant American Savings, WAMU, Countrywide, B of A – currently a top loan consultant for Provident Bank, San Rafael 707-484-3436 (Initially my Area manager at Countrywide)
Robert Duffield – Previous: engineer Hewlett Packard, Sales manager Chicago Title and currently Edward Jones Representative, Santa Rosa 707-480-2682
Sean Huddleston – Previously Sales Manager Wells Fargo and US Bank. Currently Sales Manager Wells Fargo 916-849-2797
Virgil Miller – Sonoma county real estate investor – 25 properties. Client of 25 years and strong advocate who provided me testimonials for marketing for many years. 707-829-0177
Doug Swanson – Top 5 Realtors Sonoma County – 707 291-4400
Did not finish the Masters program
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