PCA 5-20 All Lines Licensed Adjuster-+15 yrs. sales and manangment experince

Industry:	Insurance
Occupation:	Insurance Sales Representative
Highlights:	My own company in NYC as follows: Owner, Ronko Trading, Inc. - New York City, Miami - 07/87-12/99- FAMILY BUSINESS - Overseas Apparel Manufacturing Agents with Central Operation based in New York City. Sales Manager of Labor/Full package manufacturing overseas. Generating new leads, calling new accounts and creating “Full Package Sales/Private Label of Apparel Products” made in South America & the Caribbean. , Management, Costing, Price Negotiation, Production Supervision in overseas countries, Order Processing, and Q.C. Inspection in behalf of the clients.
Ideal Companies:	any big insurance company or independent adjuster company
Education level:	Bachelor
Will Relocate:	Yes
Location:	Fort Lauderdale, FL

5/2007 - Present

(private)

Entry Level

• Home Inspector, Job Estimator, Property Management and hands-on repairs.

4/2006 - Present

(private)

Executive

• Wholesale Account Executive Nationwide. Commercial/Residential Lender & Commercial Correspondent with All Mayor Wall Street Conduits, Pension Funds, Insurance Funds, Hedge Funds & Private Investors. Duties: Cold Calling Mortgage Companies, Realtors and Referral Partners Nationwide developing business relationships and soliciting Commercial Loans secured by Real Estate, Business Loans, Unsecured Business Lines of Credit and other related services. -Take loan applications, study feasibility of scenarios through review of Financial Statements, tax returns, credit reports, bank statements, and other property data provided by 3rd. parties, Income and expense analysis to calculate DSCR and DTI to evaluate loan placement. -Shop the loans based on program request or market availability, in-depth knowledge of market products from all sources of capital- Solve problems for clients communicate accurate information and handle expectations in a timely manner- Networking activities to generate new business.

7/2003 - 5/2006

Solid Financial Mortgage Corp

Contractor / Freelance

• Originator duties: Cold Calling, Lead generation through advertising and networking in search of potential clients and leads.-Pre-Qualify the borrower’s for credit ability and worthiness, shop the market for best Commercial/ Residential interest rates & Loan Programs to meet client’s scenarios-Collect and analyze all financial documentation, do DSCR analysis, Prepare GFE, Input Data into “Point data file”, Electronic Submission with Mayor Nationwide Lender’s Decision Engines, DU,LP for loan pre-approval & Underwriting -Collect all required documentation, Prepare Full file for Bank, follow up with the lenders, Clear all Underwriting Conditions, Rate Lock, review Fee Sheet and HUD-1 -Communicate with the clients at all times with updates on the loan process and handle timelines for closing of the loans-Post closing contact with clients in search for referral business and client retention.

4/2001 - 6/2003

Bancasa Mortgage and Realty Corp.-

Manager

• Mortgage Loan Processing Manager: Residential & Commercial Mortgage Brokers. Duties: Recruit brokers, Implement systems to increase loan volume- Advertising campaigns coordination, Create methods for converting leads to Loans-Supervise Loan Pipeline & Budget, review the loan packages for quality processing and guidelines compliance.-Promote business growth from company's parent Realty Division.

10/1999 - 3/2001

Banking Mortgage Corp.

Individual Contributor

• Developers/Realtors/Correspondent Mortgage Lenders. Conforming and Government loans (County, City & Bond Programs) Perform a wide variety of tasks: Lead follow up after initial contact from Realty Division, Credit analysis, input 1003 into system -Gather of documentation, verify for accuracy of documentation to process the loan file.-Structure the loan for Electronic Loan submission through top Lenders’ Underwriting Engines to meet guidelines and obtain the Conditional Loan Approval- Federal Reserve Loan compliance, practices & procedures.-Prepare G.F.E., request Title, Appraisal, VOE, VOR, VOM & Insurances-Package the File for underwriting submission, clear all conditions. Calculate all figures for HUD-1, review file documents for Quality Control, Title, Deed, Disclosures, Security Instruments, Insurances.

1/1990 - 7/1994

Maran Inc/Squeeze

Executive

• Responsible for all aspects of Apparel Production: International Sourcing and Purchasing, Costing, Contractual Negotiation, Scheduling, Production Follow-up, Quality Control, Production Inspection & Plant Evaluation in Latin America, the Caribbean Countries and Africa.

2008

Trade School Degree

Professional Career Institute

• Professional Claims Adjuster

2003

Trade School Degree

Gold Coast Professional Schools

• Real Estate Salesperson & Mortgage Broker Licenses

2002

Bachelor Degree

Miami-Dade Community College,

• Mortgage Finance

1980

Associate Degree

Miami-Dade Community College,

• FASHION DESIGN & MERCHANDISING

Insurance Adjuster �All Lines - PCA 5-20 License, Mortgage Finance/Real Estate Licensing, Sales, Management, Marketing, and Customer Service, Trainee in Xactimate 25, good with Word, Excel, 10 years experience Cold Calling and Inbound Call Center, Ability to work with numbers, evaluate Real Estate and Financial Investment opportunities, 10 years of experience in Commercial, Ability to work independently with minimal oversight and excellent organizational skills, Highly motivated self-starter, strong interpersonal communication both verbal and written, Able to multi task to meet required deadlines and withstand high levels of pressure at all times, Perfect Spanish, working knowledge of Portuguese and French