Richard Kaponer

78 Mimosa Avenue
Hardeeville, South Carolina 29927
Telephone: (843) 368-7420
E-Mail: rk566a6e@westpost.net
High Energy, Client/Customer-Driven Sales & Management Professional (Financial S
ervices & Mortgage Lending Industries) with extensive professional experience/ s
kills in the following areas: Sales (Developing New Clients); Ensuring Client Sa
tisfaction; Building Referral Base; Originating Residential Mortgage Loans; Bran
ch Management/Administration; Hiring, Training, Supervision and Employee Motivat
ion; Opening New Office Locations.
Profile:
Background encompasses extensive professional business experience utilizing a st
rong work ethic, a willingness to go the extra mile, and an ability to analyze a
nd learn new information quickly to serve customers more effectively.
Strengths: Dynamic personality - brings enthusiasm to daily tasks; excellent com
munication skills (able to develop positive relationships with individuals of al
l ages and backgrounds); self-motivated; achievement-oriented; works well indepe
ndently or in a team environment; skilled at multi-tasking; highly responsible;
dependable; proven leadership abilities; consistent management style; skilled de
cision make and problem solver; strong work ethic; relationship building.
Computer experience: Microsoft Office (Word; Excel; PowerPoint; Outlook); WordPe
rfect; Encompass Loan Software; various versions of Calyx Point Loan Application
Software; Loansoft Loan Application Software (Chase); Zippy Loan Application So
ftware (Chase); CLOSR Loan Application Software (Chase); Fannie Mae DU & Freddie
Mac LP Software; ProNet Loan Software (Prospect Mortgage).
Areas of Expertise:
*Originating Residential Mortgage Loans
*Working with Underwriting and Operations to find Creative Solutions
*Taking Loan Applications
*Analyzing Applicants' Financial Status, Credit and Property Evaluations to Dete
rmine Feasibility of Granting Loans
*Explaining Types of Loans/Credit Options to Customers
*Obtaining/Compiling Copies of Credit Histories and other Financial Information
*Reviewing/Updating Credit and Loan Files
*Reviewing Loan Agreements
*Computing Payment Schedules
*Staying Abreast of New Types of Loans
*Submitting Applications for Credit Analysis
*Branch Management
*Hiring, Training, Supervision and Employee Motivation
*Relationship Building
Selected Accomplishments:
*During first six months in the mortgage industry, assisted in managing branch o
ffice
*Managed a branch office for one of the nation's largest sub-prime lenders
*Within the first 3 months, broke the office record for units closed and total l
oan volume (twice) and became one of the office's top producer
*Helped establish the office as one of the Top 5 grossing offices nationwide
Education:
*Bachelor of Science in Economics (1993-1997), Clemson University, Clemson, Sout
h Carolina
*Series 7, 63 and Insurance License (formerly held)
Professional Experience:
Prospect Mortgage, Hilton Head Island, SC (August 2009 to Present)
Mortgage Loan Officer
*Originate residential mortgage loans, using an established network of referral
sources while seeking and developing new relationships with possible referral so
urces and networking partners.
Chase Home Lending, Hilton Head Island, SC (January 2008 to July 2009)
Mortgage Loan Officer
*Originated residential mortgage loans through network of referral sources while
servicing the needs of existing Chase mortgage customers; nurtured and develope
d current sources of business while actively seeking out new ones; became one of
the most consistent performers in the regional market.
Coastal Mortgage Services of the Low Country, LLC (April 2007 to January 2008)
Hilton Head Island, South Carolina
Loan Originator
*Originated residential and commercial mortgage loans through referral relations
hips with local realtors, builders, accountants, money managers, etc.; assisted
with overseeing the daily operations of the office when the owner was absent.
Atlantic Mortgage Associates, Inc., Bluffton, SC (October 2006 to April 2007)
Vice-President/Branch Manager
*Managed daily office operations; hired and trained new originators and other of
fice staff, as well as originating loans personally; as Vice President, assigned
task of opening new offices and recruiting and training candidates to run those
offices.
Heritage Lending Group, Inc., Bluffton, SC (January 2005 to October 2006)
Branch Manager
*Managed daily office operations; hired and trained loan originators and other o
ffice staff; pre-qualified borrowers and priced all loans; originated loans; con
sistently closed between 5-10 loans per month; developed and maintained relation
ships with new and existing lenders.
Direct Realty Funding, Inc., Hilton Head Island, SC (August 2004 to January 2005
)
Production Manager
*Originated and processed residential and commercial loans; hired and trained ne
w mortgage originators and staff; established and maintained relationships with
realty offices, developers/builders and various other referral sources; develope
d and maintained relationships with new and existing lenders; constantly searche
d for more competitive mortgage products to offer to borrowers.
Nation's Standard Mortgage Corp., Tarrytown, NY (2002 to 2004)
BCD Loan Specialist
*Originated mortgage loans in multiple states for this large mortgage bank that
had direct lending and brokering capabilities; offered clients a vast selection
of competitive mortgage products.
Ameriquest Mortgage Corp., Tarrytown, NY (2001 to 2002)
Loan Officer/Assistant Branch Manager
*Originated mortgage loans; trained new originators for one of the nation's larg
est sub-prime lenders; developed knowledge of the sub-prime sector of the indust
ry; learned effective sales strategies for these loan products; trained as a Bra
nch Manager before leaving the company.
Streamline Mortgage & Financial, Northvale, NJ (1999 to 2001)
Loan Officer/Branch Manager
*Hired, trained and supervised office staff and loan originators; learned FHA &
VA mortgage products as well as popular portfolio products.
(Prior experience: Investment Counselor, David Lerner & Associates, Hartsdale, N
Y; Stockbroker Trainee/Stockbroker, Emerson Bennet & Associates, Harrison, NY).