Crystal L. Gunn Email & Phone Number

• Maintain and build new relationships with community leaders, political leaders, church leaders, real estate brokers and banking institutions in order to effectively service the community.• Collaborate with real estate investors, church leaders and other companies to strengthen, stabilize, revitalize and rebuild communities according to our mission.• Define the strategies of UCS, ensuring compliance and ensuring those strategies have measurable impact.• Overseeing program delivery by presenting a strong plan for the program managers to implement. • Oversee short- and long-term goals.

• Perform individual and couple’s financial counseling.• Perform financial co-parenting counseling.• Provide client coaching to produce the necessary mind shift needed for them to reach their financial goals, financially educate their children and leave the financial legacy they desire. • Assist clients in building a specialized financial strategy, including a strong financial foundation, effective budget, financial dream team, credit repair and credit education.• Facilitate financial workshops on banking, budgeting, credit, personal strategy and homebuying.• Work with clients on credit repair and credit education to decrease repeat credit issues. • Assist clients in becoming mortgage and credit ready.

• Maintained and built new relationships with community leaders, political leaders, church leaders, real estate brokers and personal bankers in order to effectively service the community.• Met with loan applicants to identify their needs and educated them on loan products and down payment assistance• Reviewed clients credit income and assets for program selection• Prepared detailed loan proposals• Conducted financial education and home buyer education classes

Positions: Housing Counselor 09/14 – 11/16 Branch Manager 04/15 – 11/16• Conducted accurate needs assessment of client.• Documented and calculated client’s income, expenses and debt.• Analyzed budget and counseled on potential modifications.• Reviewed credit and created an action plan for improvement.• Conducted affordability calculation for mortgage and determined if eligible for down payment assistance.• Assisted clients with loan modification process with mortgage servicer.• Conducted foreclosure counseling.• Facilitated Home Buying and Financial Literacy Workshops.• Spoke at neighborhood block association meetings and real estate broker workshops to help educate the community on homeownership, down payment assistance, credit and foreclosure.• Maintained and built new relationships with community leaders, political leaders, church leaders, real estate brokers and personal bankers in order to effectively service the community.• Maintain knowledge of different loan products, down payment assistance options and other resources to meet the needs of clients.• Complete bi-monthly and monthly reporting requirements.

Ru

Positions: Mortgage Processor 04/12 – 02/13 Team Lead, Mortgage Operation 02/13 – 05/14• Processed government mortgage loans.• Worked closely with clients, loan officers, title companies, real estate agents and closing department to ensure timely and efficient processing.• Verified documents for validity and accuracy for submission to underwriting.• Created daily pipeline reports for team of 20 Processors.• Trained the team on policy and procedures.• Helped to motivate team to reach team goals.• Served as liaison between Area Lending Managers, Loan Officers and Processors.

• Followed up with potential clients who made inquiries about life insurance.• Interviewed and gathered information from clients regarding their situation, needs and objectives.• Did the shopping for clients and consulted with them on best products, services and solutions from top rated carriers.• Built and managed a book of business.

• Developed operational procedures and training manuals for company.• Trained agents on loan modification guidelines and procedures and processes for new clients.• Maintained financial records and completed monthly financial statements.• Handled all aspects of Human Resources, which included interviewing perspective employees, maintaining employee files, training new staff hires, completing weekly payroll, evaluations, reprimands, terminations and salary negotiations.

• Led My 1 Stop Mortgage to over $15 million is sales in its first year by recruiting and training a staff of 15 employees.• Developed and cultivated relationships with over 30 lenders in order to provide clients with the widest range of solutions to meet their mortgage lending needs. • Developed and managed performance reviews, compliance evaluations, training, marketing, advertising, quality control and community relations which tripled monthly loan volume.• Performed quarterly analysis of operating expenses to ensure spending remained below yearly budgetary allowance and was able to reduce expenses by 15% by researching and changing vendors, streamlining and centralizing loan processing.• Maintained financial records, reconciled and prepared monthly financial statements that detailed income growth, which was used to advertise and cultivate more relationships to increase business.• Handled all aspects of Human Resources, which included interviewing perspective employees, maintaining employee files, training new staff hires, completing weekly payroll, performance reviews and evaluations, reprimands, terminations and salary negotiations.

• Developed an employee manual detailing company mission, employee expectations and benefits, which unified the staff and set a standard for all to attain resulting in increased productivity.• Created, implemented and trained on policies and procedures in order to realize ultimate efficiency increasing productivity while decreasing the amount of time between origination of a loan and the close of that loan.• Maintained financial records reconciled and prepared monthly financial statements that allowed management to track growth.• Performed quarterly analysis of operating expenses to ensure spending remained below yearly budgetary allowance and was able to decrease expenses and increase the marketing budget.• Handled post closed loans to ensure they met with State regulatory practices, calculated commission payments to staff and ensured payment of any outstanding invoices relating to that file.• Handled all aspects of Human Resources, which included interviewing perspective employees, maintaining employee files, training new staff hires, completing weekly payroll, performance reviews and evaluations, reprimands, terminations and salary negotiations.

• Facilitated the Financial Institutions Bureau (FIB) Examination for the 1996 year-end. Researched and recovered $120,000 in suggested write-offs from the exam. Raised the Credit Union’s 1996 exam score of four (4) to a score of two (2) for the years 1997, 1998, 1999 and 2000.• Developed new job functions and balanced procedures and trained staff after computer system conversion. Created a job procedure manual for each function of the Credit Union. Created departmental training manuals for new employees and for cross-training existing employees. • Created and conducted monthly reviews of the Credit Union general ledger accounts, investment and loan portfolios to ensure the accuracy of postings and regulatory compliance• Managed a staff of 15 – 20 employees. Conducted weekly staff meetings and facilitated monthly training sessions. Developed and implemented a new employee evaluation system to monitor and encourage growth, while allowing for structure by linking pay increases to performance only. Interviewed and hired new staff for all departments. Determined the staffing needs to ensure adequate coverage under budgetary constraints.• Stimulated the sales culture within the Credit Union to encourage cross selling of products and services to new and existing members.• Served as liaison to the Risk Management, Asset Liability Management (ALM) and Loan Supervisory Committees, researched and prepared information to be discussed at those committee meetings and completed summary reports for the monthly Board meetings.• Orchestrated the purchase and implementation of new software for posting and tracking of auto leases, maintenance and tracking of outside investments and asset liability management.• Consulted with the ATM Network, Family Service Centers, Summit Information Systems and Credit Union Village and other vendors in order to design the Credit Union website to meet regulatory compliance.

Bachelor Of Arts, Business Administration

Education record