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Click here or scroll down to respond to this candidateCandidate's Name
Morganville, NJ Street Address
PHONE NUMBER AVAILABLE EMAIL AVAILABLE LINKEDIN LINK AVAILABLEMortgage Banking ProfessionalAccomplished, proactive mortgage banking professional with 26 years expertise in initiation, development, execution, and guidance of operation programs strategic to the organization's direction for increased market penetration in sales. Multifaceted experience includes oversight of up to 30 branch offices sales and operations, and the management of Underwriting, Processing, and Compliance programs. A trusted, credible mortgage specialist who is known for building and maintaining excellent client relationships and providing excellent and appreciated customer service. Recognized as a resourceful leader who recruits, develops, and inspires high-performing teams to continuously improve the organizations competitive advantage in pipeline management operations.Key Skills:Loan Operating systems: Empower, Encompass360, Calyx, BYTE Pro, Genesis, NYLX, Optimum Blue, DU/LP, Salesforce, Finese, Fiserve, UnifiProficient in: AML, BSA, KYC, SAR, HMDANMLS & NJ State License, Uniform State LicensedNotaryFinancial analysis and balance sheet reviewPipeline management operationsMulti Family & ALT Lending MarketsFHA and VAManaged up to 30 branch officesNMLS License, #204540. NJ State LicenseCore Competencies:Mortgage Division Build - Created and directed a mortgage division to capture underutilized opportunities with sales of $15M and monthly revenue of $300K.Revenue Build - Increased revenue by 50% and volume by 50%.Operations and Team Development / Management Recruited and trained new Loan Officers; mentored and trained staff on sales and operating procedure and proper submission of files for underwriting.Compliance Review - Review loan file, ensure banking compliance regulations, AML, KYC, SAR, BSA, ATR, QM reports. Conduct cost/benefit analysis, duplication of benefits for the NJ Economic Development Authority.Work ExperienceSANTANDER BANK MORTGAGE GROUP, Freehold, NJ 2017 2022Processing and Loan Officer Asst, Mortgage Retail SpecialistReceived and structured files and entered info into Empower Los, operational order for underwriting submission.Pre-underwrote loan by reviewing income, assets, application du, lp, disclosures, and order title, appraisal,Cema.Ensured compliance with regard to BSA, AML, HMDA, KYC, and SAR.ADVISORS MORTGAGE GROUP, Wall, NJ 2015 2016Branch Processing Multiple BranchesProvided primary valuation of mortgage application for accuracy and completeness.Evaluated adverse actions and unjust lending decisions. Detected adverse trends and irregularities incompliance with company policies and consumer applicable protection laws.JS CONSULTING, Morganville, NJ 2009 2020Consultancy providing primary valuation of commercial, residential, and multi-family properties.Consultant, Construction OperatorPerformed complicated financial modeling and third-party reports.Ensured contract-conduct cost/benefit analysis, duplication of benefits for the NJ Economic Development Authority.SOVEREIGN BANK, Princeton, NJ 2011 2012Small Business Specialist, Banker IIIProvided customer/business loan solutions for customers from origination through processing and closing.Increased cross-sell opportunities, achieved sales goals for credit cards, auto loans, helocs, and accounts.Reviewed sanctions (if applicable), proactively recommended products/services for better customer outcomes.Reviewed loan files and followed banking compliance regulations, AML, KYC, SAR, and BSA reports.EQUITY LOANS, Freehold, NJ 2009 2011Sales and Processing ManagerGrew sales volume by 35%. Recruited, trained new officers, supported increased volume and loan processing.Reviewed loan files, credit reports, appraisals, title policies, and tax documents. Maintained processing workflow.Monitored compliance regulations AML, BSA, HMDA, KYC, and SAR.Experienced in Calyx Point, Encompass, Genesis, and retail banking operating systems.HBCS MORTGAGE, Iselin, NJ 2007 2009Operations ManagerEstablished and managed tactical plans and daily operations; ensured compliance by improving the loan writing process, pipeline management, and compliance, and minimizing risk.Served as liaison across sales/lending staff, borrowers, underwriters, title companies, and attorneys. Resolved issues and expedited closure of loan transactions for revenue increase of 45%.Monitored AML, BSA, KYC, SAR, and HMDA to stay within compliance guidelines.FIRST JERSEY MORTGAGE, Union City, NJ 2006 2007Director of Sales & OperationsInitiated procedures and systems for products and lending programs to optimize operations and guide staff to reach sales goals. Maintained QC reports for compliance for 30 branches.Oversaw processing and underwriting department workflow for efficient pipeline management.EQUITY SOURCE HOME LOANS, Morganville, NJ 2004 2006Branch ManagerIncreased revenue by 50% and volume by 40%, via meticulous analysis and maximization of loan pipeline.Managed Sales/Processing/Underwriting department to keep loan files in compliance and for efficient workflow.Expanded, trained, and managed staff of loan officers in response to increasing sales and productivity demands.Complied with policy and secondary market requirements pertaining to credit/security standards and regulatory requirements relative to conventional, government, and self-employed.FOXTONS FINANCIAL, Long Branch, NJ 2001 2003Alternative Lending ManagerInstituted and directed a non-conforming mortgage division to capture underutilized opportunities in the sub-prime market. From a base of zero, realized monthly increases of $10M and $250K in loan volume and revenues, respectively.PARKWAY MORTGAGE, Kenilworth, NJ 1997 2001Branch Manager OperationsSelected to price and approve wholesale/retail loans due to exceptional performance.Expanded and managed wholesale business. Doubled the company's sales volume through cultivation and closure of $10M in A- sub-prime loans. Simultaneously, directed loan officer team under V.P. of the Retail and Wholesale Division.EducationFHA/DE Underwriting course completed, Diehl & AssociatesDiploma, Manalapan High School |
