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skilled financial management professional with experience in finance, banking, mortgage loan origination, analysis, staff management, planning and market development seeking to utilize broad-based abilities in a challenging management role in business development or financial management.
ø over 23 years of experience in banking, mortgage lending, credit analysis, loan origination and management, staff supervision and development, strategic planning and organizational coordination.
ø skilled in project management, relationship building, financial reporting, marketing and sales.
ø bs degree in financial management from clemson university.
ø strategically coordinate personnel to maximize performance in executing operations.
ø highly skilled and adaptable to any situation or contingency.
ø in-depth community volunteer involvement.
bank of america, na, charlottesville, va 1995 - 2004, 2005 - present
mortgage loan officer (2005-present)
market and originate retail mortgage loans and services for conventional, fha, va, vhda, jumbo and construction lending.
oversee monthly pipeline in excess of $3mm with funding of over $16mm and establish/nurture new business and expanded market share.
possess in-depth strengths in utilizing effective relationship building to expand market share.
analyze financial and credit data to customize mortgage financing to client circumstances and design loans designed to incorporate mortgage into client wealth development planning.
work closely with other entities, managing partnerships and relationships with existing and external clients as well as referral sources, in growing mortgage as well as other bank product markets.
certified in neighborhood lending and new construction specialization, and maintain currency in professional/educational standards such as respa, reg z and fair lending.
highly effective time manager, balancing business development and marketing initiatives with other organizational responsibilities.
vice president & banking center manager (1995-2004)
provided coaching/counseling and professional development for more than 15 employees, including mentoring several to promotions.
by example, taught appropriate behaviors, sales techniques, service expectations and adherence to compliance guidelines.
evaluated associate performance and developed individual development plans for all direct reports, ensuring associates completed all regulatory compliance training.
exceeded consumer real estate lending and net checking goals by 206% in 2003 and surpassed credit card quota by 164%.
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developed and executed innovative new marketing plans to exceed banking center s sales/service goals; achieved bank branch profit goals, which included controlling expenses and expanding customer base.
nurtured client relationships and excellent customer service, often serving in client advocate role while maintaining company efficiency and productivity and complying with all banking regulations.
barry meade homes llc, charlottesville, va 2004 - 2005
for this high quality, high-volume builder, coordinated with financiers in developing and maintaining multi-million-dollar credit lines to fund over 40 homes while maintaining exceptional operating efficiency.
employed passport accounting system to prepare monthly and quarterly financial reports and control job costs.
collaborated with county offices to acquire permits and meet other regulations for project in process.
analyzed land development in local areas to determine zoning and ordinances for future development purposes.
supervised numerous rental properties, overseeing cash receipts and expenses.
prior to 1995 was employed by norwest financial va, inc. as branch manager directing facility operations and staff for a $3.5mm branch office, establishing and nurturing new business with local companies, tailoring loan plans to specific customer requirements, analyzing client information, underwriting credit decisions, controlling entire loan processing cycle and identifying and developing promotable employees.
clemson university, clemson, sc
bachelor of science, financial management, 1988
associations / volunteer involvements
habitat for humanity volunteer
destination imagination fifth-grade team manager (first place regional and state competition)
hollymead elementary pto treasurer
united way day of caring volunteer
charlottesville women s four miler
junior league of charlottesville
opportunity shop treasurer
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