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Click here or scroll down to respond to this candidateWORK EXPERIENCELoan Specialist\Team LeadSmall Business Administration - Washington, DCMay Street Address to PresentStreet Address hrs. wk.Supervise a Team of Street Address Loan Specialists in the Review, Underwriting, Disbursement and Reconsideration of Economic Injury Disaster Loans (EIDL) within the Administration's Office of Disaster Assistance. Have Supervisory Approval Authority for up to $1.5 million per loan and $2 million per entity. Expert in all areas of state of the art Processing, Credit Review, Guarantee and Collateralization. In a fluid and dynamic environment, very active in the Review, Establishment and Amendment of Program PolicyConsultant/Subject Matter Expert (SME), Small Business Lending Treliant Risk Advisors - Washington, DCJanuary 2020 to May 2020Washington, DCJanuary 2020 to May 202050 hrs. wk.Manage a team conducting compliance and file review/analysis for Service Members Civil Relief Act (SCRA) protected accounts including mortgages, consumer loans and credit cards. As SME, verify exceptions noted within files and make recommendations based on Risk Management/Loss Mitigation principles - and ensure overall quality of project and work of 25 subordinates. Additionally, consult with clients regarding the establishment and modification of Risk Management principles considering internal, external and regulatory factors and steps to mitigate loss. Additionally, advising a client(USAA) as to internal capability and overall regulatory and economic feasibility of adding SBA (Small Business Administration) products to current product menu.Inventory Control Manager/Shipping & Receiving Supervisor JOSEPHDEXTERWaldorf, MD 20603EMAIL AVAILABLEPHONE NUMBER AVAILABLECareer Banker, Financial Services Professional and Operations Manager, desires management opportunity implementing group/organizational goals. Proven performer with over 30 years of mortgage sales/operations and commercial/small business (SBA)/consumer lending and retail banking experience. Additional, recent, intensive experience in large warehouse operations and inventory management focusing on implementation of Six Sigma principles. Public Trust Clearance.Willing to relocate: AnywhereAuthorized to work in the US for any employerSafeway/Albertson's - Upper Marlboro, MDJanuary 2018 to January 202050 hrs. wk.Manage inventory staff of 10 in handling perishable and grocery inventory for large eastern regional, multistate distribution facility (2 bldgs., 1 mil. sq. ft.). Interact with senior facility management responsible for shipping and receiving and logistical applications. Expert in cycle counting, adjustments, audits, shrinkage control and monitor. Manage to a P/L that constantly has monthly profits in the thousands.Also, function as operational supervisor over shipping and receiving personnel. Have general supervision over 400+ union and non-union/contract workers. Familiar with required equipment maintenance and interact with maintenance personnel to balance maintenance with production. In adherence to daily, weekly and monthly schedules; generate a number of inventory, shipping and receiving reports. Am the arbiter of store (110 in region) claims of non-receipt of product. Deeply familiar with SAP ("Super Inventory") and EXE Inventory systems. Train inventory control associates and shipping and receiving personnel. Familiar practitioner of Six Sigma operations processes and principles. Accomplishments:Authored policies and procedures for precise inventory management incorporating the input and cooperation of general warehouse and shipping and receiving management and staff. Addressed proper product placement and systematic, priority rotation. Increased shipping and receiving efficiencies by 30 and 25% respectively, in less than a yr. To maintain this success, educate shipping and receiving supervisors regarding correct fulfillment focus in service to 110 stores in the Baltimore/Washington DC area.Private Real Estate Investor and Mortgage Services Consultant Southern Maryland - Waldorf, MDJanuary 2014 to January 201855 hrs. wk.Partnered with several contractors in the acquisition and rehabilitation of foreclosures, short-sales and other distressed properties in Southern Maryland. Principle responsibilities included determination and management of capital necessary for investment activities which involved negotiation and establishment of operating lines of credit and refinancing of assets. Marketed those properties to Real Estate professionals in the area reviewing purchase offers, borrower qualification and handling all areas relative to sale and closing. Supple mentally, advised (non-fee) numerous previous mortgage clients in real estate matters relating to refinances (HARP, etc.), purchases and general credit requirements in a changed and challenging environment. Additionally, offered counsel to small businesses regarding SBA loan product offerings. Mortgage Loan Officer II (Internal)Navy Federal Credit UnionJuly 2016 to January 201745 hrs. wk.Responsible for initial review, underwriting (DU and LP) and processing of received mortgage loan applications in a primarily internal origination environment. Received, reviewed and decisioned 3-5 applications per day while managing an average member pipeline of 60 loans. Responsibilities required diligent customer contact through application, processing and closing. Additionally, was responsible for maintenance of exclusive NFCU relationships with 6 Century 21 and Coldwell Banker real estate offices in Anne Arundel, Prince George's and Charles county Maryland and acquiring mortgage referrals from this group. As second in Branch authority, worked closely with Branch Manager and supervised 4-5 Junior Loan Officers and had lending and decision override authority. Senior Home Mortgage Consultant/Area ManagerWells Fargo Home Mortgage - Waldorf, MDFebruary 2002 to January 201455 hrs.+ wk.Over nearly 12 yr. tenure, personally responsible for $25 million in average annual production equally proportioned among consumers, realtor, builders and small businesses (1M -10M). Constantly marketed to a personal database of over 1200 previous borrowers and implemented outside calling strategies to ensure consistent production. Expert in all types of conventional and government mortgage products. Uniquely able to recognize specific product applicability given consumer needs.Operationally, highly proficient in all areas of processing, closing and post-closing activities (Chaired post closing audit committee). Far exceeded lofty company customer service and profitability requirements. Had lending authority for 1st and 2nd mortgage and small business loans. Managed Area branch network of production, processing and closing. Additionally, as an SBA "Preferred Lender", responsible for a team (10) involved in the origination, processing, closing and servicing of SBA 7a, 504 and all other types of SBA loans. While Area Small Business Manager also responsible for the Small Business offices' lease negotiations and office equipment, computer and furniture allocation and inventory. Accomplishments: Member Regional Operations Task Force to ensure processing efficiencies. Member Bank Cross Sale Team to sell Bank products and services to mortgage and small business customers. Post-Closing Audit Committee chair. Member Southern Maryland Business Alliance. Member Waldorf, MD Rotary Club. Branch Manager II/Bank OfficerAllfirst Bank - Dunkirk, MDJanuary 2000 to February 200245 hrs. wk.Manager and Officer for $28 billion commercial bank providing banking services to retail and business clients. Developed and maintained branch sales culture. Established successful referral program involving all branch personnel. Serviced and expanded existing commercial relationships and acquired banking commitments from, primarily, small businesses in the Calvert county and southern AnneArundel county communities. In these "cold calling" efforts, sold an assortment of deposit products and credit instruments. Utilized the Bank's "Enact", Marketing Customer Information System, in targeted marketing via telephone solicitation and direct mail to increase number of products and services per customer. Utilized Shaw/CIS loan system for consumer and commercial credit extensions. Originated, closed and had lending authority for residential and commercial mortgages and commercial, consumer and SBA loans.Accomplishments:Integrated an inexperienced staff. Instituted ideology of sales and service as a priority. Exceeded branch quarterly and annual goals.Assistant Vice PresidentColumbia Bank - Columbia, MDMarch 1997 to January 200045 hrs. wk.Manager and Officer for $750M commercial bank servicing the Washington, DC and Baltimore, Md. markets. Responsible for sales of financial service products to retail and business customers. Originated, closed and had lending authority for residential and commercial mortgages and commercial and consumer loans. SBA Preferred Lender responsible for a team (5) in the origination, processing, closing and servicing of 7a, 504 and all other SBA loans. Cash management product knowledge and experience. Accomplishments:Grew new Prince George's County, Md. Office from $1.5M deposit base to $16M. Originated $9M in loans and credit extensions. Acquired and serviced $5M in cash management accounts. District Manager and Senior Loan OfficerDime Savings Bank - Waldorf, MDMarch 1992 to March 199750 hrs. wk.Sub-prime manager for national mortgage subsidiary of $18 billion Federal Savings Bank. Developed and maintained broker relationships. Managed sales and operations staffs. Originated construction, conventional and government related mortgages from real estate agents and builders.Accomplishments:Average personal annual closings of $12M. Originated equal proportion of conforming and non-conforming loans from realtor, builder and broker sources. Had lending authority for 1st and 2nd mortgages secured by residential real estate. Marketing and Public Affairs OfficerAndrews Federal Credit Union - Suitland, MDSeptember 1989 to March 199245 hrs. wk.Institutional contact and representative in Washington, DC and Southern New Jersey community markets. Worldwide membership over 200,000. Assets over $700M. Credit Union liaison to membership base. Managed relations with civilian and military leaders. Maintained MarketingCustomer Information File (MCIF) as a database for targeted direct mail. Instituted mailings. Measured and tracked all marketing initiatives. Utilized the database to produce specialized reports for statistical analysis for internal users. Integrated the Credit Union Service Organization (CUSO) into the Credit Union's product and service menu. Loan committee member.Accomplishments:Personally developed exclusive credit union service agreements with over 160 businesses and governmental entities in metropolitan Washington and southern New Jersey. Managed, maintained and expanded relationships with over 600 select groups. Responsible for charter amendments increasing eligibility by over 500,000 individuals and their families. Established Credit Union sponsored Seniors' association delivering financial services to this Select Group. Branch Manager and Director of MarketingThe Community Bank of Tri-County - Waldorf, MDFebruary 1987 to September 198945 hrs. wk.Managed full service branch of $250M Federal Savings Bank. Grew loan and deposit bases. Responsible for development and implementation of marketing campaigns. Involved creative development, copywriting and production. Developed brochures, collateral material and point of sale items. Utilized all advertising mediums. Managed agency relationships. Originated, closed and had lending authority for residential and commercial mortgages and commercial and consumer loans.Accomplishments:Grew branch deposits from $3M to $25M.Established auto finance network.Monitored credit card program.Instituted successful marketing program involving the opening of a branch. Implemented quarterly newsletters and award-winning Bank sponsored Businesses to Business functions. Operations ManagerBank of America - Washington, DCJune 1984 to February 198745 hrs. wk.Management development candidate with training and experience in all areas of $4 billion commercial bank. Rotational assignments in operations, retail banking and all lending areas with a concentration in commercial real estate. As Operations Manager had permanent, functional responsibility for sales and delivery of corporate service products including cash management and payroll processing. Worked with commercial officers in expanding relationships with bank clientele. Accomplishments:Developed a generic automated lockbox product which enabled the bank to expand remittance processing services by 40 clients and over 100,000 items per month.As a marketing tool, developed a bank product portfolio for usage by bank calling officers. Successfully managed a 25 person operations staff and assisted in the management of a 60 person unit. EDUCATIONCertification in Mortgage BankingStonier College of BankingMaster's in BankingRutgers UniversityBachelor's in FinanceUniversity of Maryland, Smith College of Business and Management Associate in AccountingCollege of Southern MarylandSKILLSERPReceivingShippingShipping ReceivingStatistical AnalysisLoan Officer ExperienceUnderwritingSix SigmaProduction ManagementFinancial ServicesRisk ManagementFinancial AnalysisSupply ChainComputer NetworkingCredit AnalysisSAPBankingPricingCopywritingWarehouse ManagementAccount ManagementBusiness AnalysisData AnalysisOracleManagementFinancial Report WritingQuality AssuranceAnalyticsBusiness DevelopmentASSESSMENTSSales Skills Highly ProficientNovember 2019Persuading reluctant customers to buy products or services, and influencing and negotiating with customers to meet sales goals.Full results: Highly ProficientWarehouse Shift Leader Highly ProficientMarch 2020Supervising warehouse staff and maintaining safety and security standards. Full results: Highly ProficientSupervisory Skills: Motivating & Assessing Employees Highly ProficientFebruary 2020Motivating others to achieve objectives and identifying improvements or corrective actions. Full results: Highly ProficientProblem Solving Highly ProficientJanuary 2020Measures a candidate's ability to analyze relevant information when solving problems Full results: Highly ProficientAnalyzing Data ProficientJune 2019Interpreting and producing graphs, identifying trends, and drawing justifiable conclusions from data. Full results: ProficientManagement & Leadership Skills: Planning & Execution Highly Proficient February 2020Planning and managing resources to accomplish organizational goals. Full results: Highly ProficientProficiency with Microsoft Office: Mail & Calendar (PC) Completed February 2020Using Microsoft Office Mail and Calendar tools to manage workload. Full results: CompletedAttention to Detail ProficientFebruary 2020Identifying differences in materials, following instructions, and detecting details among distracting information. Full results: ProficientIndeed Assessments provides skills tests that are not indicative of a license or certification, or continued development in any professional field. |
