Mortgage Lending and Retail Banking

Mortgage Lending

Business development in western Pennsylvania for one of Americas largest mortgage lenders. Valuing diversity in developing new customers in Butler, Beaver, Allegheny Armstrong and Lawrence counties, Wells Fargo Home Mortgage utilizes state of the art proprietary loan origination software for funding residential and multi family loans. Fostering customer referrals, builder, developer and realtor relationships through one on one contact, advanced electronic media and innovative marketing tools, I'm an accessible and accountable advocate for customers and clients who wish to succeed financially, by delivering unparalleled service while providing them with customized lending solutions. Specialties include Builder Certification, Construction to Permanent financing, Jumbo Loans, First Time Home Buyer and Union Worker programs. Federal NMLS ID # 1027694.

Brand Awareness and Product Exposure are the cornerstones I use for building the dealer's book of business at P&W BMW. Providing feedback in our Busines Development coordination efforts while promoting website traffic growth, identity and utility for customer interaction is critical for sustained growth in dynamic markets.With 98% customer satisfaction scores and 74 units sold from Q3 2015 to Q3 2016, brand loyalty and dealer loyalty are perpetuated by providing clients with a "premium luxury performance experience". Sales people need to see themselves as strategic consultants to the customer and as business partners with their F&I team in structuring deals that are comfortable and the least compromising for both parties. Engaging the customer engages the dealership whereas isolating the customer only isolates the dealership.COCHRAN SUBARU OF BUTLER COUNTY purchased KERVEN SUBARU on May 15,2015 and I was the ONLY employee Cochran kept. Kerven Subaru 100 Barracks Road: Butler PA Dec 2013 – Sep 2015 TITLE : MARKET MANAGER , ASSISTANT TO GENERAL MANAGER Contract Employment I established a more robust E-commerce, CRM, ILM and media platform for 45 year old family owned dealership. Sold 182 units in 2014 helping the company set an all time revenue record in 45 years of business. Owner Loyalty Program Score of 95% at mid year and 2015 production at 123 units. Seeking to achieve personal goal 200 units for 2016. Very fortunate to have served Ken and his experienced team at KERVEN SUBARU .Grew more evolved in Automotive Finance, Marketing, Sales, Advertising & Internet Lead Management. Was the only person from prior dealership hired. Assisted Cochran's management in opening their new dealership in Butler County. Left Cochran to pursue quality growth while advancing comprehensive sales and finance skills. Extensive use of CRM and ILM software including Velocify, CDK, Dealertrac, Dealer.com, Autosoft, WinCRM Reynolds & Reynolds and ADP

Residential and commercial lending in Greater Pittsburgh, North Hills, Wexford, Sewickley, Shaler, Fox Chapel, Freeport, Butler and Saxonburg until Fifth Third Bank closed its PA Affiliate and sold all 17 branches. Called on 42 self generated accounts including R.E. Legal and CPA community. Loan origination between 650k and 1.2 million monthly with 1.7 million in final month. All branches were closed and sold to First National Bank of PA

Production Enhancement, Operator Assistant II and Onsite Materials Coordinator for Hydraulic Fracturing Crew servicing Marcellus and Utica Shale well sites in PA. WV. and NY .

Chief Operating Officer; Pennsylvania Dept. Of Banking licensed Mortgage Loan Correspondent and Secondary Mortgage Broker. Company originated and sold conventional residential and commercial mortgage loans in Pennsylvania, California and Colorado delivering a 7 year ROI of 15.54%

The consumer direct, mortgage origination offices of American Home Credit and Loan LLC

HR and talent acquisition manager for 10 stores in Western PA and Eastern Ohio Directed marketing campaigns and developed sales startegies for Sears Home Improvement Products in stores from Cleveland to Pittsburgh and hiring and training a staff of 36 marketing agents

Established footprint in Western Pennsylvania for Accredited's wholesale lending platform. B2B development of 57 new accounts and 38 left pending approval for the company

One of 22 managers chosen nationally to spearhead the Production Teams transformation during Lehman Brothers joint venture with Amresco bringing Finance America to the forefront of wholesale mortgage lending and servicing.

MANAGED OPERATIONS STAFF AND ENGAGED IN PRICING AND SALE OF CLOSED LOANS TO PORTFOLIO AND INSTITUTIONAL INVESTORS

Responsible for Branch expansion and market penetration in 8 western states. Reported to Board of Directors. Managed buy and sell relationships while pricing and execution on whole loan bulk trading ranged between 5-20% profit margins. Assisted principals by identifying investors and successfully managing forward commitments and agency securitization. Initiated and developed broker and correspondent relationships in the Western U.S. Increased profitability while driving fundings up from 6 to 11 million monthly. The Company was sold to Cityscape Investors at 34% ROI and was among the assets securing Cityscape's IPO.

A California Mortgage Banker and Title Service company -Funded 124 million annually with 7 wholesale account executives and 5 operations staff . Established Secondary Market loan sales transactions with Government Sponsored Entities, REITS, Investment Banks, Chartered Institutions and Private Equity Firms. Direct report to Chairman of the Board of Directors

Merit promotion from District Manager in Nevada to Assistant Vice President with augmented signature authority on loans and territory expansion to include the Sacremento Delta region of California. Staffed newly opened office in Las Vegas with localized underwriting funding and production personnel Streamlined underwriting and funding platform for faster loan commitments and funds delivery. Established 17 additional correspondent accounts and 108 broker relationships for Ford.

Promoted from Wholesale Account Executive, Los Angeles County to District Manager of Nevada after winning Presidents Charter Club Award in 1993

OPENED AND MANAGED THE EQUITY DIVISION FOR COLONIAL BANCORP , EQUITY ADVANTAGE WAS MY WHOLESALE PRODUCTION AND UNDERWRITING TEAM FOCUSED ON THE PURCHASE OF NON CONFORMIG RESIDENTIAL PAPER AND THE PURCHASE OF ALT-A AND NON-PRIME PRODUCT FROM THIRD PARTY ORIGINATORS FOR BULK DELIVERY TO THE SECONDARY MARKET.

Promoted from credit subsidiary wholesale account executive to Bank Business Development Officer- B2B Los Angeles and Orange County. Reviewed residential loans for purchase by the Bank from third party originators.Trained Loan officers and Processors on underwriting guidelines. Developed and maintained an annual residential loan pipeline of 126,000,000 . Responsible for Annual Review of Banker and Broker Accounts, Chartered Institutions and private equity firms originating mortgages

Wells Fargo Banks Credit Subsidiary , Wells Fargo Credit Corporation located in Scottsdale Arizona. As an Account Executive in Orange County California individual production ran at 48 million annually Engaged in the purchase of funded loans from lending entities including OTC and OCC Chartered banks, thrifts, credit unions, REITS, mortgage banks and well capitalized brokers. Reviewed financial and licensing data and submitted appropriate documents for Banks approval.My accounts included a nice mix of Correspondent, Bulk and Table Funded delivery from bankers brokers and chartered instituions.