I work with mortgage professionals across a broad spectrum of business models, Mini-Correspondents, Mortgage Bankers, Savings Banks, Credit Unions and Commercial Banks,Correspondent Mortgage Bankers and Emerging Lenders to maximize profits in the mortgage business environment. I meet with CEO's, COO's, Senior management, secondary market personnel and business owners, individual loan officers to discuss loan programs, compliance issues and marketing strategies. I work closely with loan officers, closing professionals, processors and settlement agents on processes, programs and ways to increase efficiency and profitability. Managing pipelines to insure maximum pull through and on time mortgage closing and delivery. Established new investor relationships with Banks, Credit Unions, Mortgage Brokers and Mortgage Bankers across NY,NJ,MD and RI. I am intimate with loan programs of the follow programs USDA, VA , FHA ,FNMA , Freddie Mac and NON QM .

I work with Mortgage Brokers,Mini-Core, Mortgage Bankers, Savings Banks, Credit Unions and Commercial Banks, Correspondent Lenders and Emerging Lenders to maximize profits in the mortgage business environment. I meet with CEO's, COO's, Senior management, secondary market personnel and business owners to discuss loan programs, compliance issues and marketing strategies. I train Loan Officers, closers, processors and settlement agents on processes, programs and ways to increase efficiency and profitability. Manage pipelines to insure maximum pull through and on time delivery. Established new investor relationships with Banks, Credit Unions, Mortgage Brokers and Mortgage Bankers across Upstate NY, NJ and PA. I offer, USDA, VA 100% C/O, FHA the full streamline suite and Conventional loans .

I work with Mortgage Brokers, Mortgage Bankers, Savings Banks, Credit Unions and Commercial Banks to maximize profits in the mortgage business environment. I meet with CEO's, COO's, Senior management, secondary market personnel and owners to discuss loan programs, compliance issues and marketing strategies. Served on Flagstar's USDA steering committee developing market and policy implementation. I train Loan Officers, closers, processors and settlement agents on processes, programs and ways to increase efficiencies and profitability. Manage pipelines to insure maximum pull through and on time delivery. Established new investor relationships with Banks, Credit Unions, Mortgage Brokers and Mortgage Bankers across Upstate NY.

Work with National and State regulatory agencies to establish corporate,multiple different state branches, and loan officers in obtaining the proper credentials to do businessDevelop marketing materials for loan officers on different loan programs and products.Evaluate software packages to improve company and loan officer efficiencies.Develop new investors and warehouse lines to increase our profitability and product mix.Train and guide new Loan Officers in mortgage products and guidelinesExecuted the most profitable arbitrage and hedging in the firms 25 year history

Developed customersScheduled service callsWent on service call to insure quality controlCold called for new business

Managed and serviced investment portfolios for over 300 accounts.Built relationships with over 100 affluent families and business across the country Educated clients on new investment strategies and productsHandled investments ranging from stocks, bonds, mutual funds, option strategies and various insurance products

Developed a client base both inside and outside of the Bank environment.Coordinated with Bank management from Rochester to Albany in developing a working relationship for mutual cross selling.