David Merringer Email & Phone Number

Dublin, Ohio

Management of Retail lending division Ohio region. Develop and implement strategies to improve loan department efficiency and meet sales targets. Supervise lenders , manage work flow, and ensure compliance with regulations. In charge of Business development for the Ohio region.

Columbus, Ohio Area

Specialties: Marketing Analytics and Modeling;Credit Risk Modeling (PD,LGD & EAD) and lost forecast;Marketing Insights and strategy; Consumer segmentation and profiling; Quantitative analysis and statistical modeling/data mining;Consumer online behavior targeting.Check Fraud Analytics and Consumer Debit Risk ModelingHealth Care Analytics, HEDIS MeasuresSAS/ ANOVA, GLM, Factors, Cluster, Logistic and Principle Component AnalysisCPG/Consumer Marketing

Columbus, Ohio Area

Management of Retail lending division Ohio region. Develop and implement strategies to improve loan department efficiency and meet sales targets. Supervise lenders , manage work flow, and ensure compliance with regulations. In charge of Business development for the Ohio region.

Columbus, Ohio Area

Management of Retail lending division Ohio region. Develop and implement strategies to improve loan department efficiency and meet sales targets. Supervise lenders , manage work flow, and ensure compliance with regulations. In charge of Business development for the Ohio region.

Logan/Athens/Nelsonville/Lancaster/Columbus

• Senior manager responsible for the oversight of all aspects of residential lending for the Portfolio and Secondary Markets including management of the sales and support staffs consisting of twenty employees.• Restructured, trained and optimized the entire lending division and introduced FHA, USDA and VA loan products and returned a 20% increase in loan production. • Expert knowledge of residential mortgage pre funding QC, compliance and underwriting (both manual and AUS), including knowledge of JUMBO, Fannie Mae and Freddie Mac underwriting and selling guidelines. • Performed accurately and efficiently in face-paced environment and to maintain production requirements while adhering to quality and service standards.• Expert knowledge with mortgage loan documents and ability to review those documents efficiently with low error rate. • Understanding of operational processes involved in mortgage loan production.• Working knowledge of automated and traditional underwriting systems and the representations and warranties associated with such products.• Superior computer skills, including proficiency with the FNMA DU and Microsoft Office Suite• Responsible training, coaching and mentoring staff to consistently meet and exceed loan production and quality standards.• Communicated directly both verbally and in writing with members, branches, correspondent clients, broker clients and employees from all business channels.• Responsible for adherence to regulatory requirements, policies and procedures as they pertain to underwriting, funding and all other aspects of Real Estate Lending areas of responsibilities.• Assisted senior management in improving credit quality, production and quality service to members, correspondents and brokers.• Participated in loan loss reduction efforts as requested by senior management, to include the review of potential charge-offs and collection efforts.

Columbus Ohio

Business development and loan origination for multiple branches of the Coldwell real estate offices. Conducted mortgage related training and seminars for area realtors. Responsible for all aspects of the loan origination process for up to a hundred realtors.

Senior loan officer in charge of origination of commerceil and residential mortgageloans.• Worked indirectly with the Ohio housing Administration, Veterians administration,rural housing to secure loans for qualifing individuals.• Developed professional relationships with area realtors, financial advisors andmultiple other business partners.• Involved in assisting in community reinvestment programs to help with charitablecauses.

Gahanna Ohio 43230• Developed detailed Sales and Marketing strategies for multiple commercial andresidential projects.• In charge of all contract negotiations of all purchase and lease agreements forcommercial and residential properties.• In charge of customer relations and complaint resolution.• Strong focus on customer service and customer relations in very competitive realestate market.• Developed strong business relationships with local realtors to help promotecompanies products and services.• Strong working knowledge of Excel, PowerPoint, Access and many industryspecific software programs.

Responsible for the detailed formal review of consumer loan files to insure all Federaland Corporate guidelines had been accomplished.• In charge of Restructuring every loan to insure the accuracy of pricing, correct loanproduct and a accurate underwriting decision was assigned.• After a detailed review of each loan file to determine all compliance standards wereachieved, executed and prepared a formal decision letter to be mailed to each consumer.• Met and exceeded all company expectations and maintained a high level of accuracy.

Responsible for Business Development East Coast Region for re-new able energycontracts.• Managed and developed client base consisting of large commercial corporateaccounts.• Developed long term client relationships with upper level management to secure longterm energy contracts for natural gas and electricity.• Successfully renewed existing accounts through contract extensions.• Acted as liaison between corporate accounts and energy suppliers.• Developed customized energy plans to help provide client with optimal savings.•Prepared and reviewed legal contracts for the supply of natural gas and electric.•Developed and implemented compatible cost analysis to initiate competitive bids.

Columbus OHIO, 43229• Developed and Implemented Regional Business Development, Marketing and Salesstrategies.• Organized and performed formal sales presentations for large groups of potential andexisting clients.• Personally managed and serviced multiple sales accounts in the central Ohio region.• Performed weekly and monthly sales meetings for the internal and external sales staffto ensure monthly sales goal were being achieved.• In charge of recruiting, training and managing all sales staff for the Ohio, Indiana,and Michigan Region.• Traveled and Performed weekly sales calls with outside account executives in localmarkets to assist in establishing a strong client base• Managed a sales and support staff of ten employees to ensure monthly and annualsales projections were being met and exceeded.