Results-driven leader eager to offer 16+ years of proven Mortgage Lending, Branch Management, Team Building / Training, Public / Business Relations, and Customer Service talents, as well as valuable

non-profit leadership experience, toward maximizing a progressive corporation s key success.

 

 

         Top performer who excels at identifying and analyzing low- to moderate-income lending opportunities, defining strategies for capturing new business and developing existing clientele, and attaining strong leveraging in competitive markets.

         Integral leader who recruits, trains, and manages a client-focused branch sales staff to optimize revenue growth within aggressive real estate markets and builds solid relationships with industry-wide brokers, realtors, clients, and the public.

         Excellent communicator who conceptualizes, creates, and delivers superior mortgage sales and services presentations, along with developing resourceful community associations and business partnerships via targeted loan-based seminars.

         Ambitious self-starter who initiates highly effective short- and long-term plans and conceptualizes workable solutions.

         Out-of-the-box thinker who offers up-to-date knowledge of loan products, industry trends, and client requirements.

 

 

Branch Management   Team Building / Training   Strategic Analysis / Planning   Program / Project Management

Non-Profit Leadership    Mortgage Lending Processes    Multi-Territory Business Growth    Profit & Loss Statements / Review

HUD Fair Lending    Regulatory Compliance    Community Reinvestment Act    Community Outreach / Presentations

 

 

 

         Apply dynamic leadership talents toward managing cost-effective projects from inception through to entitlement processes, as well as construction through to sales of units for a developer of affordable and workforce housing projects.

         Successfully direct the development of workforce housing for low- to moderate-income homebuyers.

 

 

         Utilized broad scope of industry and professional services knowledge toward arranging effective banking relationships, lines of credit, and account openings with suppliers and sub-contractors, along with handling all insurance policies.

 

 

         Contributed sharp analytical abilities toward originating first mortgages for purchase, refinance, and construction loans, including attaining profitable leads via personal sphere of influence, realtor contacts, and clients to boost bottom-line.

         Expertly handled processing of low- to moderate-income loans encompassing CHFA, FHA, and GMAC s CRA loans.

         Increase revenue by handling innovative marketing and advertising efforts which were instrumental in building clientele.

         Originated home equity loans and lines of credit for purchase transactions, home improvements, and debt consolidations.

         Played a vital role in ensuring seamless loan processes as a DU (Delegated Underwriting) Certified Loan Officer.

 

 

         Originated renovation and construction loans via aggressive marketing to real estate agents, retail bank branch personnel, and regular (non-specialist) loan officers, including achieving an 8^th place ranking nationwide out of 300 specialists.

 

 

 

 

         Drove $4 million+ in profits by purchasing, renovating, and selling 34 residential properties, including performing research to locate properties, as well as designing and supervising remodeling, handling marketing, and negotiating sales.

 

 

         Led a top-performing team of sales and training support staff toward achieving all retail goals targeted for the consumer market, along with assisting personnel in attaining objectives as necessary while providing high-quality customer service.

         Recruited, trained, and managed results-focused branch team members, including handling staff terminations as required.

 

 

Delegated Underwriting Certified (DU Certified)                 Marketing Courses, Northern Arizona University

 

Certificate in Development & Project Management USD • Todd Duncan High Trust Sales Training

Pratt Duncan Loan Officer Training • Cohen Brown Sales Leadership & Relationship Banking Training

Great American Loan Officer Training • U.N.S.C. Sales Lenders & Management Training (Nordstrom)

 

 

 

         Instrumental in directing key initiatives to help Empower the People within underserved neighborhoods in Southeast San Diego, including participating in activities representing 27 communities and congregations and 42,500+ families.

 

         Currently co-chairing a committee with Malin Burnham (Burnham Real Estate) and Sue Reynolds (Community Housing Works) designated to direct the ultimate development of 230+ housing units to low- to moderate-income homebuyers.

 

 

         Serve within a supportive capacity promoting the teaching and performance of ballet to young women and men within the San Diego area, including assisting in delivering valuable scholarships to nearly 50% of current / prospective students.

 

 

         Participate as a Governor Schwarzenegger-appointed representative in serving as a watchdog for the developmentally disabled community while concurrently promoting housing, health, transportation, and education for all state residents.

 

 

         Support association in hosting various events, including the San Diego County Credit Union Poinsettia Bowl and the Bridgepoint Education Holiday Bowl, as well as successfully chairing the annual NCAA Coaches Youth Football Clinic.

 

St. Vincent de Paul Volunteer (30 Years) • United Way Volunteer (25 Years) • United Way Speakers Bureau (11 Years) • United Cerebral Palsy Board Member (14 Years) • San Diego Parks & Recreation Disabled Services Board Member (6 Years) Mercy Hospital Ball Silent Auction Committee (8 Years) • Top Fundraiser for Easter Seals (8 Years) • Nordstrom United Way Video Appearance (1995) • San Diego Rotary Downtown Breakfast Club Membership Development Committee Chairman VIP Panel Captain, United Cerebral Palsy Telethon (1996 C 2005) • San Diego Hispanic Chamber of Commerce (7 Years)