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Summary
A gifted professional who is transitioning to a career in development. Excited to bring expertise in organizational management, relationship development, fundraising, networking, program administration, prospecting, marketing and community outreach to a development position at the University of Michigan.
Skills
  • PUBLIC SPEAKING
  • NETWORKING ACROSS MULTIPLE CHANNELS
  • COMMUNITY ENGAGEMENT
  • TEAM PLAYER
  • BUILDING RELATIONSHIPS
  • FUNDRAISING 
  • EXCEPTIONAL INTERPERSONAL SKILLS
  • MARKETING
Experience
Senior Loan Officer 01/2016 to Current Ruoff 8/17 - Current, Concord 1/17 - 8/17 (office closed), Gold Star 1/16 - /17 Ann Arbor, MI
  • Responsible for proactively soliciting residential mortgage business by continually identifying, developing and maintaining quality network of business relationships that serve as a source of referrals.
  • Networking with real estate professionals, builders/contractors, professional and personal contacts.
  • Prospect, market and respond to new business with various channels.
  • Ensure exceptional customer service by maintaining knowledge of lending programs, policies, procedures, and regulatory requirements.
Assistant Vice President and Portfolio Manager 10/2001 to 02/2015 Talmer West Bank, Michigan Commerce Bank/Ann Arbor Commerce Bank Ann Arbor, MI
  • Managed consumer loans and services including mortgages, home equity loans and lines, construction loans, secured and unsecured loans for East Michigan Region; directly responsible for maintaining credit standards, and delinquency levels.
Vice President of Member Financial Services 09/1999 to 09/2001 Midwest Financial Credit Union Ann Arbor, MI
  • Managed staff of 14 in member service operations for $150MM Credit Union. 
  • Directed delivery of all products and services through multiple channels.
  • Developed and modified existing products and services to better meet the needs of CU members and achieve faster loan processing and increased cross-sales.
  • Reported directly to the COO, included monthly activity reporting, delinquencies, departmental reviews, and annual budgeting.
    Area General Manger 01/1998 to 08/1999 AmeriCredit Financial Services, Inc East Lansing, MI
    • Managed branch for national auto finance company headquartered in Fort Worth, Texas.
    • Selected site, hired staff, installed computer system and linked to headquarters.
    • Directed marketing plan and finance programs to automobile dealerships and established consistent reporting to Regional VP.
    • Trained and supervised staff on underwriting, structuring and purchasing retail installment contracts.
    Chief Credit Officer 01/1994 to 01/1997 Guardian National Acceptance Corporation Southfield, MI
    • Managed lending operations to help grow the receivables to $175MM, expand licensing in 14 states and 150+ employees.
    • Implemented automated receivable tracking system, reporting and dealer volume and quality analysis.
    • Facilitated growth in outstanding receivables $120MM in 24 months.
    General Manager 01/1987 to 01/1994
    • Multiple responsibilities for managing credit, collections, marketing, accounting, banking, payroll and bookkeeping to grow fledgling local indirect auto finance company with $12MM in receivables.
    Accomplishments
    • Establish relationships with Ann Arbor Chamber members and professionals at meetings and community events, which fosters collaboration among members and community stakeholders.
    • Received Civic Award as Officer in 4th Degree Knights of Columbus 2013-2017.
    • Increased service and engagement in community by introducing Heart Pillow program for Veterans; raised funds to purchase 200 Heart Pillows in 2017.
    • Received the Michigan Achievement Award and Columbia Award in 2011 and 2012 providing outstanding service in the community.
    Education
    MBA Eastern Michigan University Ypsilanti, MI
    Bachelor of Arts: Communications Michigan State University East Lansing, MI
    Leadership Positions
    • Cardinal O'Hare Assembly, Washtenaw County, K of C Officer, current Navigator
    • A2Y (Ann Arbor/Ypsi) Regional Chamber of Commerce, current Ambassador
    • Dexter Knights of Columbus, past Grand Knight, Trustee
    • St. Joseph Parish, Dexter, past Pastoral & Finance Councils
    This resume is created in 7 minutes.
    Client Executive, Sales Strategy
     Leading Producer with a technical background. Comfortable working independently or in a team to drive results. Exceptional organizational & time management skills. Seeking to transition to the SaaS field.
    Skills
    Negotiation & Conflict Resolution, Data Analysis, Team Leadership, Sales Presentation, Strategic optimization, Pipeline Management.  Tableau, Customer Relationship (CRM) software, Excel, STATA, MATLAB. Basic use/application of SQL and Python. Advanced understanding of computer hardware and assembly.
    Experience
    Senior Loan Officer
    October 2017 to April 2018
    Planet Home Lending, LLC Melville, NY
    ·Achieved 178% of quota in first month of production.  ·Developed expertise in over 30+ products to expand revenue generation. ·Monitored production & client retention via daily reporting using BI tools; targeted opportunities to increase sales.    
    Portfolio Retention Specialist
    July 2016 to August 2018
    The Money Source, Inc. Melville, NY
    · Surpassed sales quota by over 220% in first 6 months. Consistently ranked in top 5 of over 200-person sales team. · Managed all phases of transaction through sales/underwriting and third-parties. ·  Developed Client Relation strategies to increase pull-through to over 90%.
    Senior Loan Officer
    March 2013 to July 2016
    New Penn Financial Melville, NY
    · Generated over $30 Million in new business loans.  
    · Developed network of realtors and title companies to drive referral business.
    · Taught and mentored new hires; various mortgage lending guidelines and software platforms.
    Research Assistant
    April 2012 to September 2012
    The Smeal College of Business State College, PA  · Led data acquisition; Developed techniques using multiple sources to determine effect of C level executive political affiliation on a firms investment behavior. ·  Created data bases in Excel utilizing Pivot Tables, VLOOKUP to visualize data points and trends.
    Education and Training
    Bachelor of Science : Business Management, 2012 The Pennsylvania State University State College, PA, United States ●      Concentration in Strategy & Conflict Management.
    Economics, 2012 The Pennsylvania State University State College, PA ●      Focus on Mathematical Economic Modeling, Econometrics & Statistics.
    This resume is created in 7 minutes.
    Career Overview

    Seasoned and versatile sales professional/business manager with 20 years of experience; generating bottom line results and providing excellent customer/personal service to clients. Focused on building strong relationships, leveraging product and market experience to meet business goals.

    Core Strengths
    • Strong organizational skills
    • Active listening skills
    • Sharp problem solver
    • Seasoned in conflict resolution
    • Operational efficiency
    • Staff development
    • Full knowledge of Fannie Mae, Freddie Mac,FHA, VA, Jumbo and HARP products
    • Licensed nationally under S.A.F.E Act
    Accomplishments
    • Top Unit Closer for Consumer Direct March 2018
    • Promoted to Sales Manager AnnieMac Home Mortgage- 2016 
    • Promoted to Senior Mortgage Advisor PHH Home Loans 2014
    • Recognized for outstanding service with over 15 commendations from clients-2013
    • Promoted to single point of contact/Platinum Team-2012


    Work Experience
    Senior Loan Officer 06/2017 to Current
    AnnieMac Home Mortgage Mount Laurel, NJ
    • Maximize lead conversion for rate table platform through Zillow and Bankrate
    • Self-generate mortgage volume through referrals of past clients
    • Prospect referral partners offering robust product menu
    • Provide coordinated mortgage transaction with borrowers, agents, processors and title companies
    • Average $1.5 million in funded loans per month


    Producing Sales Manager 06/2016 to 06/2017
    AnnieMac Home Mortgage Mount Laurel, NJ
    • Support and supervise 10-12 licensed loan officers
    • Maximize conversion of BankRate and Zillow generated leads
    • Share product knowledge and sales strategy with loan officers
    • Interact with processing department and provide escalation support
    • Resolve customer complaints
    • Funded 13mm in personal volume



    Mortgage Advisor 01/2014 to 03/2016
    PHH Home Loans LLC Mount Laurel, NJ
    • Represent PHH Home Loans (d/b/a Coldwell Banker Home Loans) in assigned Coldwell Banker real estate companies owned and operated by National Realty Trust
    • Promote mortgage products, services and programs in assigned offices
    • Work extensively with high end self employed borrowers and executives
    • Originated and closed over 15mm in loan volume in 2015.
    • Increased capture rate by 80% in Basking Ridge office over 12 month period
    Mortgage Banker 06/2012 to 01/2014
    PHH Mortgage Mount Laurel, NJ
    • Facilitate mortgage loans as single point of contact for high net worth private label clients.
    • Structure complex transactions involving trust, self employed and asset dissipation
    • Maintain full engagement with client from origination until closing
    • Client base requirement; 5mm loans or 5mm held in assets
    • 40+MM in closing volume from Oct. 2012- July 2013
    • Preserve and cultivate relationships with financial advisors to enhance volume opportunities

    Mortgage Banker 06/2009 to 05/2012
    GMAC Mortgage Ft Washington, PA
    • Originated high quality mortgage loans for portfolio clients, as well new aquisition customers
    • Evaluated client data to deterime product eligibility, pricing of loans as well as collection of upfront loan documents
    • Well versed in HARP loans, analyzing tax returns and resolving service issues
    • Averaged 34MM in yearly originations volume while exceeding pull through goals
    Mortgage Consultant 04/2007 to 11/2008
    PHH Mortgage Mount Laurel, NJ
    • Maximized loan originations through various business channels
    • Maintained relationships with financial advisors within private label relationships
    • Cross sold financial products to enhance company profitability
    Regional Account Executive 09/2006 to 03/2007
    LoanCity Manasquan, NJ
    • Managed business relationships with mortgage brokers
    • Prospected and signed new clients to enhance territory volume
    • Conducted on-site training of client staff on product line, process and IT software
    • Promoted mortgage programs and new products through regular presentations and training sessions
    Account Executive/Sales Manager/Consultant 06/1997 to 09/2006
    PHH Mortgage Mount Laurel, NJ
    • Managed business relationships with 50+ key community banks, credit unions and real estate owned mortgage brokers
    • Prospected and signed new clients to enhance volume opportunities within 3 state territory(IN,MI,OH)
    • Directed and motivated 8-15 mortgage consultants in various private label relationships while consistently exceeding monthly sale budgets
    • Provided technical expertise and directions regarding programs,rates,underwriting and sales strategies
    • Handled customer service issues with full resolution
    • Originated mortgage loans within real estate business channel
    Educational Background
    Bachelor of Arts: Criminal Justice Rowan University Glassboro, NJ, USA
    This resume is created in 7 minutes.
    Summary
    Accomplished and results-driven sales professional offers 20 years of Sales, Leadership and Account Management experience with a record as an over achiever. Strategic thinker and proactive problem solver with expertise in consultative selling and territory sales management.
    Skills
    • Strategic account development and building of long term business relationships.
    • Strong communicator
    • Excellent managerial, customer service, and presentation skills
    • Upselling and consultative selling
    • Ability to understand and articulate features and benefits of intangible products, services, and technologies
    • Knowledge and ability to work through a complex deal and find a solution
    • High integrity and strong work ethic
    • Strong closer
    Core Accomplishments
    Top units producer in Midwest 8 years
    Top Volume producer Midwest 9 years
    Top 10 national company producer 8 years
    Presidents Circle 10 years
    Over 30 individual awards for top monthly production
     
    Experience
    Account Executive Apr 2011 to Jun 2013
    Experian Schaumburg, IL
    • Developing and maintaining close alliances with senior client management personnel, offering recommendations through formal sales presentations and written proposals, negotiating annual and individual pricing contracts and agreements.
    • Cross selling current clients with new products that focus on their unique business objectives.
    • Providing consultative direction to help business's achieve short and long term revenue goals.
    • Offering business solutions to manage the complete customer life cycle.
    • Business verification tools for fraud prevention offered through our Decision Analytics platform.
    • Prospecting tools to expand ones client base that promote clear and concise decision making.
    • Account portfolio management solutions to monitor risk, minimize attrition, and promote opportunities to cross sell to current client base.
    • Collection tools that monitor, prioritize, and help locate debtors.
    Sales Manager / Senior Loan Officer Jan 2009 to Apr 2011
    Urban Financial Group Hillside, IL
    • Managed a local sales staff of 5 members.
    • Created and directed sales team training and development programs.
    • Trained in negotiations and time management.
    • Extensive phone work to originate customer base.
    • Prequalification and credit determination of potential clients.
    • Face to face meetings with potential borrowers to explain the loan process and paper work.
    • Specialization in reverse mortgages.
    • Review of underwriting approval and collection of outstanding loan conditions.
    • Ordering of title, appraisal, insurance, and processing of general paper work.
    • Daily correspondence with customers, third party banks, and title companies to clear titles, and set up closings.
    • Review and explain all closing documents to borrowers at closing.
    • Collect and clear any post-closing funding conditions.
    Branch Manager / Account Executive Jan 1997 to Nov 2008
    Lehman Brothers dba BNC Mortgage / ALS Downers Grove, IL
    • Manage all aspects of day-to-day branch operations, including sales, underwriting, funding, and appraisal departments.
    • Tested, hired, trained, and mentored all sales, underwriting and account managers to ensure company procedures, policies, and guild lines were followed.
    • Monitored all employees' attendance and implemented a backup system to ensure a continuous and smooth workflow.
    • Maintained a top level of commitment to our brokers by meeting a 24-hour turn time on loan approvals.
    • Worked with sales staff to resolve issues with files to ensure branch efficiency.
    • Addressed and resolved issues with the secondary buyers on closed loans.
    • Originate, develop, and maintain mortgage wholesale business-to-business relations in the greater Chicago land area.
    • Presentations to promote new business.
    • Education and training on the benefits of our products.
    • Review and underwrite loan applications for proper program placement and credit grade.
    • Review appraisals to verify that values of properties are sufficiently and accurately supported.
    • Maintain and follow up on current loans in process.
    • Negotiate with underwriting on alternative documentation to fulfill underwriting conditions.
    • Follow up with the funding department to retrieve any last minute documentation needed to ensure a timely funding of loans.
    Senior Mortgage Originator Current One Mortgage Bloomingdale, IL
    • Internal and external retail mortgage origination.
    • Cultivated relationships with key players in various industries to create ongoing and mutually beneficial referral systems (realtor's, builders, attorneys, financial advisors, and CPAs).
    • Meeting sales quotas by consistently performing the required daily activities to build a pipeline of qualified opportunities.
    • Generated new sales opportunities through direct and telephone selling and emails.
    • Selling and explaining programs, loan terms, features, policies and benefits to customers and business partners.
    • Experienced in Conventional, FHA, VA, renovation, jumbo and reverse mortgages.
    • Completing customer needs analysis, loan structuring and presentations.
    • Take complete applications, quote rates, collect appropriate documentation from each applicant and deliver loan package in the time frames required per contracts.
    • Open line of communication with all parties, including customer, attorneys, realtors, and referral source informed as to the status of the loan application.