• Promoted to Assistant Vice President in 2008, demonstrating exceptional performance and leadership qualities in mortgage lending operations.• Conduct thorough financial analysis of mortgage applicants, including personal and business tax return analysis, creditworthiness assessment, and debt-to-income ratio calculation.• Assist clients in selecting the appropriate mortgage products based on their financial situation, goals, and preferences.• Collaborate with underwriters, processors, and other team members to ensure timely and accurate processing of mortgage applications.• Maintain compliance with all regulatory requirements and company policies throughout the loan origination process.• Provide exceptional customer service, guiding clients through the mortgage application process and addressing any questions or concerns.• Proficient in the real estate and mortgage industry, with a comprehensive understanding of market trends, regulations, and processes.• Experienced in business development, excelling in both inside and outside sales initiatives to drive revenue growth and expand market reach.• Establish and maintain strong working relationships with attorneys, real estate agents, and insurance agents, fostering collaborative partnerships and enhancing business opportunities.• Skilled in appraisal review and research, utilizing knowledge of comparable properties to contest appraisals and ensure accurate valuation.• Proficient in tax return analysis, leveraging financial expertise to assess creditworthiness and mitigate risk.• Demonstrate ability to cross-sell bank products, effectively identifying and capitalizing on opportunities to meet customer needs and maximize profitability.• Achieved Top Mortgage Originator status for consecutive quarters, consistently exceeding sales targets.• Implemented a streamlined mortgage application process, reducing average loan processing time and improving overall customer satisfaction ratings.

• Conducted thorough financial analysis of mortgage applicants, including personal and business tax return analysis, creditworthiness assessment, and debt-to-income ratio calculation.• Assisted clients in selecting the appropriate mortgage products based on their financial situation, goals, and preferences.• Collaborated with underwriters, processors, and other team members to ensure timely and accurate processing of mortgage applications.• Maintained compliance with all regulatory requirements and company policies throughout the loan origination process.• Provided exceptional customer service, guiding clients through the mortgage application process and addressing any questions or concerns.• Proficient in the real estate and mortgage industry, with a comprehensive understanding of market trends, regulations, and processes.• Experienced in business development, excelling in both inside and outside sales initiatives to drive revenue growth and expand market reach.• Established and maintained strong working relationships with attorneys, real estate agents, and insurance agents, fostering collaborative partnerships and enhancing business opportunities.• Skilled in appraisal review and research, utilizing knowledge of comparable properties to contest appraisals and ensure accurate valuation.• Proficient in tax return analysis, leveraging financial expertise to assess creditworthiness and mitigate risk.• Demonstrated ability to cross-sell bank products, effectively identifying and capitalizing on opportunities to meet customer needs and maximize profitability.

• Own and manage nine rental properties comprising a total of sixteen units, demonstrating comprehensive experience in property management.• Responsible for all aspects of property management, including tenant screening, lease agreements, rent collection, and maintenance coordination.• Implemented effective marketing strategies to attract and retain tenants, ensuring high occupancy rates and optimal rental income.• Managed property finances, including budgeting, expense tracking, and financial reporting, to maximize profitability and minimize costs.• Maintained strong relationships with tenants, addressing their concerns promptly and ensuring a positive rental experience.

• Managed administrative tasks such as answering phones, handling correspondence, and scheduling appointments.• Maintained accurate financial records, including accounts payable/receivable, payroll, and budget tracking.• Prepared financial reports, statements, and forecasts for management review.• Assisted in day-to-day operations, including inventory management, purchasing, and vendor relations.• Provided administrative support to executives and other team members as needed.• Identified cost-saving opportunities and negotiated vendor contracts.

• Cultivated and maintained strong relationships with clients, providing personalized financial guidance and solutions tailored to their needs.• Conducted thorough financial analysis and risk assessments to evaluate loan applications and determine creditworthiness of borrowers.• Collaborated with internal stakeholders such as underwriters, credit analysts, and legal teams to expedite loan processing and ensure compliance with regulatory requirements.• Devised and implemented strategies to increase loan portfolio growth and revenue generation.• Successfully negotiated and closed deals, demonstrating strong negotiation skills and ability to structure deals that meet both client and organizational objectives.

• Accurately input financial data into company databases and spreadsheets.• Processed incoming and outgoing payments, ensuring timely and accurate recording.• Reviewed and verified financial transactions for completeness and accuracy.• Assisted in reconciling bank statements and resolving discrepancies as needed.• Provided administrative support to the cash management team, including filing, organizing documents, and responding to inquiries.• Maintained a high level of accuracy in data entry, minimizing errors and discrepancies.• Received positive feedback from supervisors for attention to detail and commitment to accuracy.