Thirty five years experience in banking and mortgage lending including loan underwriting, processing, origination, closing and over the counter loan purchasing through correspondent programs. Experience covers secondary market and portfolio lending. Organized and assisted in the opening of new offices as well as the development of offices needing new infrastructure to function profitably. Compiled and developed policies and procedures manuals and lending guides to comply with company policies and secondary market requirements. Proven track record for developing and implementing policies and procedures with demonstrated results in increased volume and profitability. Strong communication skills, both written and verbal, as well as ability to set and achieve goals and to highly motivate others. Competitive with strong drive to succeed. PROFESSIONAL EXPERINCE Vice President Loan Production Manager, Turnberry Savings Bank, Miami, Florida, 8/94 - 7/95 * Responsible for the development of retail business through loan officer staff in Broward County. * Manage loan processing staff to ensure efficient movement through the pipeline to closing. Residential Loan Production Manager, Consumers Savings Bank, Miami, Florida, 7/93 - 7/94 * Responsible for the development of retail business through loan officer staff and county branches. * Developed the Correspondent Wholesale program within the tri-county area. Vice President/Regional Manager, Barnet Bank of South Florida, Plantation, Florida, 9/86 - 8/91 * Lending function at the regional level, including the origination of loans through regional lending personnel and 35 branch offices. Responsibility covered origination and processing to closing. Developed the Correspondent Wholesale program within the tri-county area. * Handled interbank purchases from within the banking system and over the counter purchases of loans from independent mortgage companies. Responsible for operating budget of $1.5 million per year, including payroll for 25 employees, with generation of $2.5 million per year in fee income and closing volume of $150-$200 million per year. * Responsible for managing the Residential Real Estate Department Assistant Vice President/Regional Manager, Centrust Savings Bank, Miami, Florida, 8/84 - 9/86 * Responsible for setting up bank's loan correspondent program as an autonomous entity from the mortgage corporation to purchase residential loans within the state of Florida. * Acquired and developed business and relationships with mortgage companies, as well as managed and trained personnel within the department including the processing and funding staff. Full responsibility for all sales production efforts for the program. * Served as Regional Production Manager for Broward County with demonstrated results in profitability and customer relationships. * Developed the Correspondent Wholesale program within the tri-county area. * Promoted to Manager of the Correspondent Department with responsibility for setting up and maintaining relationships with mortgage companies throughout the United States. Developed the Correspondent Sellers Guide and produced policy and procedural updates to all correspondents. * Joined the mortgage corporation with responsibility for developing internal policies and procedures manuals for branch offices located in 17 states throughout the United States as well as development of internal operating policies and procedures covering secondary market and portfolio lending Vice President, Mid-County Mortgage Corporation, Coral Springs, Florida, 3/83 - 8/84 * Origination of residential and commercial loans within South Florida for subsequent sale to local thrifts and investors. * Responsible for supervision and training of processors.
Description
