MOHAMMED S. JALAL 7007 Lucknow Street, Gainesville, Virginia 20155 703.785.0692 msjalal@comcast.

net

SUMMARY PROFILE Exceptionally detail-focused, highly personable, and articulate professional wit h more than seven years of experience in mortgage banking; reflecting strong com mand in all aspects of financial services, sales, and management. Proven leadership and motivational skills complemented with firm focus on achiev ing exceptional results in highly competitive environments. Demonstrate success in driving business performance to profitability by increasing productivity and developing, as well as, maintaining positive rapport with clients. Possess excellent leadership and motivation skills; able to articulate and commu nicate sound business plans to successfully lead diverse groups and management t oward a focused path of growth and profit. Vast experience in human resources ad ministration, excellent customer service delivery, and strategic IT management.

KEY STRENGTHS Business Development Strategic and Tactical Business Planning Sales Best Practices Sales Channel Development and Management Client Needs Assessment Project Leadership and Management Leadership and Team Building Coaching and Mentoring

PROFESSIONAL EXPERIENCE SUNTRUST MORTGAGE, INC. Senior Lending Consultant Jan 2004-Present

Formulate and execute aggressive sales plans to effectively sell mortgage produc ts in compliance with federal regulations. Actively cross-sell bank products wit h primary focus on driving business profitability. Establish and maintain an open line of communication with realtors to define the ir requirements and create sound business plans. Career Highlights Successfully negotiated and secured $25M in loan, along with 160 units c losed, and $10M in pipeline in 2005 Generated $18M in loan volumes and $9M in sales pipeline in 2004 ACCENTURE MANAGEMENT CONSULTING AND TECHNOLOGY SERVICES Human Resource Specialist Jun 2003-Jun 2004 Designated by management to provide HR services for the Transportation Security Administration (TSA); administered benefits program, recruitment activities, and

employee records for 200 airports. Qualified applicants based on their knowledge, skills, and capabilities to effec tively handle administrative, technical, security and consulting positions; exec uted new employee orientations to educate them on company benefits, thrift savin g plans, and employee rules and regulations. Maintained up-to-date on HRMS that include PeopleSoft, CPMIS, Hiring Tracking Sy stem, and Electronic System for personnel actions. Career Highlights Successfully recruited more than 200 employees to fill various positions throughout the United States, Caribbean airports, and TSA Headquarters; proacti vely involved in the recruitment process and security background investigation p aper work along with security packages. Outlined reports regarding the service and development impact for issuan ce as service-wide policy. Displayed strong organizational capabilities in coordinating meetings wi th all levels of employees, including key management officials or their represen tatives to communicate general issues. STATE DEPARTMENT FEDERAL CREDIT UNION Financial Advisor Assistant, Federal Department Dec 2002-Jun 2003 Handled various roles as Member Financial Services Coordinator, HR specialist, a nd office manager to provide a unparalleled support to financial advisors and Vi ce President of Member Financial Services Department. Formulated direct marketing plans to persuade members to purchase additional pro ducts and services. Executed quarterly seminars and delivered presentations to m embers. Expertly utilized complex spreadsheets accurately to track sales activities on a daily, monthly, and quarterly basis. Career Highlights Communicated current business performance to the Vice President through reports encompassing sales forecasting and recommendations for improvements. Played an integral role in planning, developing, implementing, and evalu ating various types of credit union. UNITED BANK Customer Service Representative Aug 1998-Apr 2002

Rendered high level of service by leveraging sound knowledge of various banking products and services. Determined the most suitable bank products that fully mee t the customers' needs while cross-selling additional banking services. Facilitated platform and teller line activities. Career Highlights Consistently met quarterly and monthly deposit and loan production goals . Contributed in the timely completion of audits, CTRs, and adherence to s trict compliance procedures. Traveled extensively throughout the Northern Virginia to provide assista nce to branches that needs staffing.

EDUCATION

Bachelor of Science in Management Information System ~ George Mason University, Fairfax, VA Associate of Science in Business Administration ~ Northern Virginia Community Co llege, Annandale, VA Associate of Science in General Studies ~ Northern Virginia Community College, A nnandale, VA

PROFESSIONAL DEVELOPMENT Siebel 7 ~ Microsoft Product Specialist ~ PeopleSoft ~ MS Excel ~ CPMIS ~ MS Po werPoint ~ Xnix Sales Master Training

AFFILIATION Alumni Association, George Mason University