Aaron Bernstein Email & Phone Number

Baltimore, Md

Invited to join a select group of 30 Orioles’ long-time advocates and supporters to act as an independent ticket sales representative. Increase revenue and visibility in the local community in return for incentives and perquisites, such as season tickets and trips with the Team.• Successfully marketed and sold season ticket plans, group baseball outings, charity fundraisers for Church groups and Youth Athletic Leagues, luxury suites and skyboxes, and Junior Dugout Club… Show more Invited to join a select group of 30 Orioles’ long-time advocates and supporters to act as an independent ticket sales representative. Increase revenue and visibility in the local community in return for incentives and perquisites, such as season tickets and trips with the Team.• Successfully marketed and sold season ticket plans, group baseball outings, charity fundraisers for Church groups and Youth Athletic Leagues, luxury suites and skyboxes, and Junior Dugout Club membership.• Exceeded sales expectations in 1st year and earned 98% of available performance incentives. Recognized for superior client service and consistent compliance with Team policies. Show less

Baltimore, Md

Loan Officer for new purchase and refinance origination of conforming and non-conforming Conventional, FHA, VA, HARP, and Home Equity Line loan programs.• Completely self-sourced, referral-based book of business, working with network of financial planners and realtors. Branch leader in purchase origination.• Appointed by Senior Management to service the mortgage needs for the clients of Wells Fargo Financial Advisors, Baltimore Office.• Serve as test subject, peer… Show more Loan Officer for new purchase and refinance origination of conforming and non-conforming Conventional, FHA, VA, HARP, and Home Equity Line loan programs.• Completely self-sourced, referral-based book of business, working with network of financial planners and realtors. Branch leader in purchase origination.• Appointed by Senior Management to service the mortgage needs for the clients of Wells Fargo Financial Advisors, Baltimore Office.• Serve as test subject, peer instructor, and mentor for rollout of new proprietary loan origination software system named CORE.• Fluent and compliant in underwriting guidelines and ongoing industry reform. Show less

Baltimore, Md

Responsible for new purchase and refinance origination, including but not limited to conventional, FHA, VA, HARP, and Home Equity Line loan programs.• Service territory of bank branches for PNC in Baltimore metropolitan area. Maintain physical presence in the branches to assist existing bank customers with all mortgage needs.• Work as a partner to other PNC lines of business to expand customers’ portfolio of products and services within PNC. Maintain mutual referral… Show more Responsible for new purchase and refinance origination, including but not limited to conventional, FHA, VA, HARP, and Home Equity Line loan programs.• Service territory of bank branches for PNC in Baltimore metropolitan area. Maintain physical presence in the branches to assist existing bank customers with all mortgage needs.• Work as a partner to other PNC lines of business to expand customers’ portfolio of products and services within PNC. Maintain mutual referral relationships with Wealth Management, Private Banking Client Group, Financial Advising, Business Banking, Workplace Banking, Consumer Lending, and Merchant Services.• Fluent and compliant in PNC underwriting guidelines, RESPA and Safe Act legislation. Responsible for monitoring changes in the lending industry.• Establish and service new and existing referral relationships with area realtors, financial planners, CPA’s, and title companies. Show less

Annapolis, Md

Opened a retail branch office for a large national residential mortgage lending bank. Responsible for hiring and supervision of staff, licensing, marketing, quality assurance, compliance, and financial management.• Extended loan portfolio to include asset-based, account receivables, hard money, and commercial lending. Proficient in underwriting guidelines for Fannie Mae and Freddie Mac loan programs; FHA, VA, and Reverse mortgages; and Home Equity Lines of Credit.• Serve as a… Show more Opened a retail branch office for a large national residential mortgage lending bank. Responsible for hiring and supervision of staff, licensing, marketing, quality assurance, compliance, and financial management.• Extended loan portfolio to include asset-based, account receivables, hard money, and commercial lending. Proficient in underwriting guidelines for Fannie Mae and Freddie Mac loan programs; FHA, VA, and Reverse mortgages; and Home Equity Lines of Credit.• Serve as a part-time Business Development Agent for recruiting new branches, as well as a Corporate Trainer for new branch managers and staff. • Responsible for monitoring changes in the lending industry, including but not limited to revised underwriting guidelines, declining market adjustments, compliance and licensing updates, and state-specific lending laws. Show less

Linthicum, Md

Served as the Director of the Sales Department specializing in purchase finance, mortgage refinance, and debt consolidation. Responsible for supervision of staff of Loan Officers, Processors, Auditors, and Loan Administrators. Oversaw daily operations, including facilitation of communication between Departments of Sales, Lending, Closing, Marketing, Secondary Marketing, Finance, and Human Resources, as well as reconciliation of daily sales. Interviewed, hired, trained, directed, supervised… Show more Served as the Director of the Sales Department specializing in purchase finance, mortgage refinance, and debt consolidation. Responsible for supervision of staff of Loan Officers, Processors, Auditors, and Loan Administrators. Oversaw daily operations, including facilitation of communication between Departments of Sales, Lending, Closing, Marketing, Secondary Marketing, Finance, and Human Resources, as well as reconciliation of daily sales. Interviewed, hired, trained, directed, supervised and motivated staff. Responsible for affiliate relationships, and negotiation of price and promotion of product.• Led staff to meet or exceed goals through implementation and execution of sales incentives. Directed ongoing education in new and existing products, innovative sales techniques, and industry developments.• Worked closely with clientele and employees, ensuring all needs were met and high level of customer service provided, resulting in repeat business and referrals.• Assistant Sales Manager of the Year 2002, and Sales Manager of the Year 2003.• Company awarded Inc. magazine’s “Inc. 500” Award in 2004 & 2005 for being one of the top 500 fastest growing privately-owned companies in the United States. Show less

Baltimore, Md

Baltimore, Md

• Manager of Baltimore’s premier seafood restaurant, registering $9 Million in annual sales and the highest profit contribution in a then 31-store nationwide group.• Responsible for monthly and annual labor forecasts, profit and loss budgets, inventories, hiring and training, scheduling, service seminars, and promotions.• Acted as a public relations liaison to various Concierge associations, the Baltimore Convention Center, area hotels, and the Baltimore Aquarium as a means of… Show more • Manager of Baltimore’s premier seafood restaurant, registering $9 Million in annual sales and the highest profit contribution in a then 31-store nationwide group.• Responsible for monthly and annual labor forecasts, profit and loss budgets, inventories, hiring and training, scheduling, service seminars, and promotions.• Acted as a public relations liaison to various Concierge associations, the Baltimore Convention Center, area hotels, and the Baltimore Aquarium as a means of increasing guest volume, referral business, and overall profitability. Show less

Hunt Valley, Md

• Licensed Property & Casualty Insurance Agent• Assisted launch of new program, selling Homeowner’s and Auto insurance policies in 25 states. • Served as a mentor for new Insurance Specialists by helping protégés become acclimated to the sales environment. Provided various proven sales techniques and assisted in building communication skills and quality awareness.• Consistently met and exceeded performance goals throughout employment. Member of the Premium Club and the… Show more • Licensed Property & Casualty Insurance Agent• Assisted launch of new program, selling Homeowner’s and Auto insurance policies in 25 states. • Served as a mentor for new Insurance Specialists by helping protégés become acclimated to the sales environment. Provided various proven sales techniques and assisted in building communication skills and quality awareness.• Consistently met and exceeded performance goals throughout employment. Member of the Premium Club and the Century Club, Department-high quality listening score of 3.9, and daily Top Performer a company record 17 times. Show less