Amiable Team lead with Management experience in leading construction and cooperative working building relationships within a team setting.
Sales manager with 11 plus years background underwriting , processing in branch management ,And call center environment. Vast knowledge of finance, regulatory full understanding of requirements from Underwriting and to processing of loan origination
Originated over $18,000,000 in 1st mortgage closed loans
Received average an internal audit score of 99.8 average, In loan volume through professional networking, loan reviews and marketing.
Created strategies to develop and expand existing customer sales, resulting in a overall 95% increase in annual sales.
Processed average of 30-40 loan applications per month for 12 months in a row.
Implemented annual performance Underwriting and credit review for for all Underwriters and sales team at call center.
Received an personal and group internal audit score of 99.8%.
Assisted senior-level Underwriting managers And underwriters with complex loan applications.
Adhered to all federal and state compliance guidelines for retail mortgage lending.
Analyzed applicants' financial status, credit and property evaluation to determine feasibility of granting loans.Educated customers on the variety of loan products and available credit options.Executed the loan origination process, including ordering credit reports, appraisals, preliminary title reports, UCC searches, environmental reports, insurance information and flood certificates.
achieved91% annual customer service audit score. Average sales in mortgage yearly construction to perm & Purchase VA, FHA first time home buyer programs. Average yearly sales of loans closed of 18 to 21,000,000 as yearly average in past closed business
Achieved Sales manager role in 2006 and hired and trained new junior partners through a 12 month personal 1 one 1 training core training program. Go to manager trainings and hold branch meetings with current and new loan officers to keep compliance training, and Underwriting knowledge up to date.
Reviewed, examined and underwrite loans to ensure soundness, before loans were submitted to underwriting for review. Review monthly commissions for branch offers
Determined and documented loan conditions and communicated requirements back to junior partners or current loan officers at branch level.
Reviewed detailed historical and projected financial utilizing tax returns and financial statements for accuracy.
Independently conducted full and comprehensive evaluations of a variety of complex, high- risk mortgage-loan applications.
Reviewed and analyzed special conditions, loan deficiencies and exception-requests to determine appropriate courses-of-action.
Determined appropriate recommendations subject to management and underwriting guidelines.
Assisted in identifying, recommending and/or negotiating alternative loan options to turn down loans at branch, funding and/or loan-structuring solutions.
Prepared and reviewed all training documents for junior partners I hired.
Maintained current knowledge of market conditions and company lending guidelines.
Evaluated debt ratio, loan-to-value ratios, credit score, property valuation and various other factors.
Helped to create a implementation plan for new bankers mentorship program
Make public presentations regarding Wells Fargo bank products at trade shows
Rention of current and new customers seeking financial options.
Provide training to new and current staff with weekly update regarding new process and lean management of time used daily on the phone.
Conducted research and interviews with program managers in the banking community
Achieved highest history of group in sales year $ 21,000,000 in new business closed for 2005. Pre- Underwriting , Sale financial analyst of customers credit situations. Attend regular trainings ,Sale mortgage rewrites first and second mortgages, Equity. Sale home equity line or loan utilization to pay off , And consolidate personal credit cards or other debt to help improve customers overall picture .
Daily sales activity of mortgage equity personal banking loans . Sale, Underwrite branch level loans to consumers with sales of insurance on questionable lower credit repayment loans .Weekly participation in local chamber of coherence meeting and public speaking,representing the bank and local lending options to customers .Provide the best employee image to inside and external customers in contact. Development of new business on a daily basis.
Learn full degree of file flow Origination to pre-underwriting to processing files .
Learn computer processing and applications to Build computers and integrate software .
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