Harrison Township, MI 48045 lrc22286@westpost.net 414-426-2592 Summary and Related Skills High-energy, detail oriented sales and management professional determined to mak e a career change that allows me to align myself with a stable organization look ing for positive individuals with strong credentials, the desire to learn and a proven record of success and stability. I possess exceptional interpersonal com munication skills and an extensive background in the following broad-based compe tencies: Specialized Research Abilities Extensive Analytical Skills Consultative Sales Strategic Planning Account Management Key Relationships New Business Development Community Development Client Satisfaction Superior Administrative Skills a Exceeded management closed loan production goals for the previous three years; the goal each year was $6M, I have exceeded that goal by 30% to 50% each produc tion year. For the 2009 calendar year, I originated and closed $16.5M loans exce eding the required management production goal by 200%. a Successfully increased closed loan volume in the low to moderate-income sector by 38% over the previous three years a Assisted the bank with increasing their regional Community Reinvestment rating s to aOutstandinga on two consecutive audits a Demonstrated ability to promote and cross sell products and services as well a s secure and develop key accounts to maximize company profit; awarded the maximu m travel voucher for successful sales incentives for the previous three years a Proven ability to cultivate productive relationships with key decision makers and manage accounts to achieve corporate goals a Ability to effectively manage time and perform necessary projects and assignme nts with little or no supervision in a constantly evolving environment a Extensive lending knowledge with a specialization in construction, condominium and affordable lending as well as a widespread knowledge of city, state and fed eral grant programs which assist first time and/or low income homebuyers a Ambitious and self-motivated, excellent organizational, interpersonal and busi ness communication skills with the competence to be a quick study, experience re quired to successfully multi-task and the confidence required to accommodate dem anding schedules and rigid deadlines a Proficient with the internet, Macintosh programs, Optima, Optical, Loan Prospe ctor/Morvision, Dynatech Mortgage Application Software, Desktop Underwriter, One View Customer Tracking, Harland Retail loan, Metavante deposit, and Banker Insi ght systems and more Professional Experience First Financial Insurance Group July 2010 - Present FIELD LIFE INSURANCE SALES AGENT a First Financial Insurance Group agents are financial and insurance professiona ls specializing in planning, protection, and relationship building a Accountable for originating life insurance policies to the senior population b y utilizing a thorough understanding of the wide spectrum of insurance products tailored to meet the protection and wealth building needs of clients Johnson Bank 1997- May 2010 ASSISTANT VICE PRESIDENT a" SENIOR MORTGAGE LOAN OFFICER 2007 - 2010 Awarded a promotion to assist with the direct sales efforts for the companyas ni che sales group focused on specialty lending programs. a Accountable for originating mortgage loans by utilizing a thorough understandi ng of mortgage underwriting procedures/guidelines and in-depth product and indus try knowledge a Lead originator bank-wide for the affordable lending and forgivable grant prog rams a As an Executive Board Member of a non-profit agency, I was accountable for the collection, review and analysis of agency financial documentation. Utilizing th e financial results from the data analysis, we also determined staffing, benefit s and salaries for the agency staff members a Facilitate mortgage preparedness workshops that provide consumers with critica l information in the areas of home buying and creditworthiness. a Compiled, wrote and organized the workshop curriculum a Tracked utilization of first time homebuyer subsidies as required by state and /or federal codes, rules and regulations a In 2009, I was a participating member of the City of Milwaukeeas Homeownership Consortium; a group made up of professionals from the cityas various community groups, home buying agencies, real estate agents, financial institutions, etc. t o work together on efforts to reduce and/or avoid the number of homeowners facin g mortgage loan default and foreclosure a Key contact for local community organization groups and source person to the c ity of Milwaukee to assist the bank in reaching their fair lending and Community Reinvestment goals a Anticipate consumer needs by cross-selling various bank products and services to accompany mortgage programs to optimize client satisfaction a Required to utilize independent problem-solving skills and exercise sound judg ment in various situations a Research and resolve customer issues and/or concerns COMMUNITY LENDING OFFICER 2003 - 2007 a Well-organized mortgage loan originator a Initiated and maintained the necessary contacts with city of Milwaukee officia ls, executive directors from non-profit and community agencies, realtors, builde rs, etc. to assist me in my endeavor to implement the low to moderate-income pro gram at the bank. a Worked with community organizations to facilitate mortgage preparedness worksh ops that provide prospective borrowers with critical information in the areas of home buying a Initiated, implemented and maintained the bankas affordable lending and grant programs PRIVATE BANKING LOAN ADMINISTRATOR 1997 - 2003 a Accountable for interviewing, hiring, supervising, scheduling, training, coach ing, monitoring and evaluating three administrative assistants and one branch wi de receptionist a Data entry of all retail loan requests into the Harland loan system a Responsible for underwriting, closing and funding all retail loan origination requests a Prepared all departmental tracking reports a Originated and maintained consumer deposit and credit accounts a Worked with consumers to fulfill requests and address maintenance requests/con cerns as needed Security Bank, SSB 1993 a" 1997 SUPERVISOR - CALL CENTER a Department was responsible for generating over 70% of the bankas home equity a pplication production from prospective borrowers throughout the Midwest. a Responsible for prescreening applicants via the telephone using a short applic ation and providing the required disclosures and obtained the necessary consent of customers to pull their individual credit reports for further analysis. a As the supervisor of the dayshift operation, I was accountable for interviewin g, hiring, supervising, scheduling, training, coaching, monitoring and evaluatin g 30 to 35 customer service representations. a Created, updated, and maintained detailed & sensitive records and/or files; en sured that confidential customer files and information received the proper handl ing according to state and federal rules and regulations. a Prepared correspondence, letters, memos spreadsheets and other documents utili zing MS Excel, PowerPoint, and WordPerfect Education University of Wisconsin - Milwaukee B.S., Education with an emphasis on Educational Policies and Community Studies Professional Licenses State of Michigan Resident Life, Health & Accidental Insurance Producer License Number: 0549879 / Expiration: 7 /2013 Issued by: State of Michigan Department of Labor & Economic Growth Office of Fin ancial & Insurance Services Licensing