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yyyyyy x. yyyyyy

126 lakeshore dr. ph 27 | north palm beach, florida | |xxx-xxx-xxxx


dynamic, articulate and ambitious business professional with broad based experience in client relations, staff development and mortgage industry program management, eager to contribute in-depth understanding of lending principles, real estate programs and loss mitigation toward supporting the goals of a progressive organization in the mortgage industry.  natural leadership style along with a proven track record of leading consistent growth, revenue generation and profitability results through an exceptional ability to build strong client relationships, secure retention and identify new business opportunities. 


core competencies


   florida mortgage brokers license

   hud certified loss mitigation counselor

   foreclosure counselor

   loan portfolio management

   straightforward/persuasive communicator

   utilize referral/web-based/networking platforms

   full cycle sales management

   general business administration

   client relationships/retention

   hire/train/manage high performing teams

   business analysis/process improvement

   develop key marketing strategies

   fiscal accountability/p&l results

   certified credit counselor


professional history


2006 to present:  real estate, education and community housing, inc. (r.e.a.c.h.), palm beach gardens, florida     


   lead day to day management and oversight for this 501c3 organization; maintain sole fiscal accountability, drive policy development strategies and offer services to guide economic and neighborhood revitalization results.

   analyze client needs and apply hud guidelines to facilitate lending; present applications to commission on affordable housing advisory board.

   gain significant insight and experience in navigating housing programs including ship, home, cdbg and hopwa to assist clients in securing affordable housing.


2004 to 2006:  guardian financial network inc., palm beach gardens, florida- production manager                                             

   drove production results and loan origination training for this residential loan provider; applied dynamic communication and presentation skills to facilitate first-time homebuyers training/workshops.


1999 to 2004:  citizens first wholesale mortgage company/citizens first bank, the villages, florida - ceo

led tactical management, staff development and client relations strategies for this lending organization; drove optimized production levels through the introduction of new policies, procedures and staff development strategies.

implemented standardized procedures for processing and closing loans in the secondary market; spearheaded marketing and community relations goals to enhance market penetration and drive consumer awareness.


1992 to 1998:  republic security bank, west palm beach, fl - senior vice president, loan administration

1986 to 1992:  security first federal savings and loan association, daytona beach, fl - vp, loan portfolio manager


professional development


nchec certification /pre-purchase homeownership education /nchec certification in housing counseling

hud s loss mitigation program training /credit counseling for maximum results /understanding credit scoring

new trends in counseling /foreclosure intervention and default counseling certification / homeownership counseling certification /home equity conversion mortgage protocol /florida mortgage broker renewal /pre-purchase homeownership

understanding and applying foreclosure intervention and loss mitigation / loan modification programs

yyyyyy x. yyyyyy

126 lakeshore dr. ph 27 | north palm beach, florida | |xxx-xxx-xxxx





<hiring contact name>

< title>

<company name>


<city, st zip>


dear mr./ms. ____:


as a highly successful mortgage industry executive, i am confident that i have the characteristics you are seeking in a candidate for the position of <position here>.   i have enclosed my resume for your review and believe you will find that my track record of driving aggressive closing strategies will be a perfect fit for <organization here>. 


after reading the requirements for the position of <position here>, i see that you are seeking someone with the ability to <something from the ad here>.  i am well versed in <correlation here> and know that i could be an integral member of your team.


i am highly knowledgeable in all mortgage and underwriting guidelines and my ability to establish highly effective business relationships with clients and internal support professionals is well known.  i am highly adept in general business operations, marketing and prospecting, and establishing solid customer relationships.  my ability to drive growth in a challenging economical environment is a reflection of my success, and i wish to contribute my strong communication, customer relations and business development skills toward supporting your organizations goals for revenue and profitability.


i am certain after reviewing my qualifications that you will want to speak with me further, and as a proven leader, i believe it would be mutually beneficial for us to meet.  i will call next week to inquire about the possibility of meeting to discuss your organization s goals and how i can help you meet them. 


thank you for your time and consideration.

















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