Citizens financial is a concierge style mortgage company with a core structure and belief to serve our clients in a manner that best suits their busy life style. This one on one style business structure is just one aspect that separates us from a traditional mortgage brokerage.

Bell Mortgage is a concierge-style mortgage company with the core structure and belief to serve our clients in a manner that best suits their busy lifestyle. This one on one style business structure is just one of the aspects that separate us from a traditional mortgage brokerage.

•Developed a strategic marketing campaign targeting accountants, attorneys, and medical professionals which has generated substantial referrals•Developed an innovate direct consumer marketing relationship to create a direct line of sight to prospective new business opportunities.•Generated new business through the cultivation direct business-to-business partnerships.•Currently providing real financial guidelines to multiple state employment institutions •Branch management position accountable for soliciting business accounts and developing strategic alliances with clientele.•Increased profitability within an assigned market•Implements promotional sales events to further expand total loan volume growth.•Counsel’s high net-worth individuals and clients with regard to investment opportunities, risk analysis, and monetary returns.•Experience in Cross-sell banking services and products to clientele.•Participate in community events to position the bank as a leader within the territory.•Analyzed financial statements and pertinent information to determine client’s creditworthiness, and ability to repay loans in accordance with lending policies and guidelines. •Generated new business through the cultivation of both direct consumer business and business-to-business partnerships.•Analyzed and comprehended complex financial data to provide advice and loan counseling to clients.

Managed the loan division at the banking center, directly lead a banking team and provided appropriate training. Accessed and analyzed customers' ability to repay loans in accordance with lending policies and guidelines. Generated new business through the cultivation of client and business partner relationships.Worked with business referral partners to build a client portfolio and maximize referral opportunities. Analyzed and comprehended complex financial data to provide advice and loan counseling to clients.

Created a division to analyze, acquire and represent real estate holdings from a vast array of public/private institutions.Structured real estate lease contracts and developed fair market analysis rental surveys for real estate holdings under property management supervision.Acted as the chief liaison in the development of relationships with asset managers and real estate holding divisions.

Managed large pipelines of commercial and residential loans and specialized in originating conforming, non-conforming, and super jumbo loans.Researched guidelines for conventional lending, government lending, and the lending regulations that govern the real estate industry.Successfully conducted financial literacy seminars with an emphasis on reality 101.