Consultant Mortgage/Banking Industry September 2023 to PresentGLG Gerson Lehrman Group Private consulting for Projects related to multiple aspects of Mortgage and BankingTopics included Profitable income streams, Tech software, Servicing, Department Integrations

As a Senior Business Advisor, I get the pleasure of assisting business owners with one of their most significant decisions: how and when to exit. My top priority is for you to gain the knowledge you need to exit on your terms – not someone else’s. I also want to make you aware of all your options and opportunities.

Retail sales and Customer Service of Reverse Mortgage Lending products for both FHA and Proprietary Conventional products. Currently licensed 15 states.

Develop and deliver coursework training materials designed to satisfy Federal and State N.M.L.S. required continuing education for Licensed Mortgage Originators. Conducted mortgage licensing training seminars to prepare Loan Originators for the NMLS National Licensing Exam. Employed Socratic teaching method to substantially improve learning of required education.

Retail sales position that originates Business and Consumer Deposit accounts, 1st Mortgage, Helocs and secured junior liens, Unsecured products including Personal lines and term loan transactions. Referral of security products to financial advisors.

Sales Manager-Recruiter and Loan Originator for AMEC in Greenwood Village, Colorado. Actively licensed in Colorado and New Mexico

Successfully managed three departments of Production Services simultaneously consisting of Licensing, Centralized Disclosures and Corporate Processing with 30 subordinates. Spearheaded and successfully implemented ongoing recruitment program to hire and effectively train all personnel.Directed the opening and successful management of a department from ground zero. • Achieved a 400% production increase within targeted accounts though strong customer relations and implementation effective off effective sales call initiatives• Generated revenue increase of over 160% for department• Recruited and trained 25 new employees• Achieved nearly 100% employee retention• Managed Loan Committee Underwriting Escalation Program• Consistently surpassed stated company goals

Managed team of up to 14 employees. Met cost and yield targets while ensuring high-volume production and superior mortgage packaging. Direct oversight over staff that originated Conventional, FHA and VA mortgage transaction in 15 states from the call center headquartered in Denver.• Effective management, technical, and supervisory skills.• Met or exceeded all performance criteria• Coordinated efforts of production team to grow annual sales to over $15 million per month with a marketing budget of $50 thousand per month• Plan, direct, supervise, and evaluate workflow processes, ensuring highest levels of customer service, accuracy, and time compliance.

Direct supervision over Operations, Underwriting, Closing and the Wholesale Sales Staffs at the Corporate Loan Center. Personal underwriting signing authority to $1 million. Development of Power Point marketing presentations for product launch training. Accountable for Risk Analysis, Post Closing resolution, Quality Control, Underwriting guidelines, hiring and disciplinary actions. • Significantly exceeded past manager's performance levels rapidly achieving peak performance resulting in reduced expenditure, enhanced profits, lower staff attrition rate, and increased customer loyalty.• Recognized for long hours, commitment to customers, attention to detail, professionalism, and follow­ up.• Grew the business by 60% in less than 1 year while significantly reducing expenses within the same period.• Developed and executed staff training and development strategies, motivating and mentoring to level of service excellence

Retail Mortgage Broker. Responsible for the management of operations and sales staff for mortgage lending branches in Colorado and Texas. Primary focus was to manage the origination, processing and funding of VA, FHA and Conventional mortgages. Interface with Sales and Administrative staff, investors and related vendors. Handle all quality controls, shipping, and loan review procedures. Handling of State Mortgage Compliance & Licensing issues for Colorado, Texas, New Mexico, Minnesota and Florida

Responsible for Retail Mortgage Loan Origination in FHA,VA and Conventional. Interface with customers, realtors, underwriters, investors and title professionals in successful origination and processing of real estate loans

Retail and Wholesale Mortgage Banker doing FHA,VA and Conventional lending.First Magnus took over complete operations of Mitchell Financial Services. Responsible for setting up a wholesale lending branch, hiring and training staff, and building business relationships. Wholesale Branch Manager July 1996 to September 1999 Mitchell Financial Services. Set up a new Wholesale lending branch in Colorado for an Arizona based Mortgage Banker.Complete management and Responsibility for Production, Credit management, Operations, Underwriting and Quality Control for all mortgage products. Exceeded company goals within 90 days of operation. First Magnus purchased Mitchell Financial in Sept. 1999