Joe M. Perkins, Mba, Cltc Email & Phone Number

Greensboro/Winston-Salem, North Carolina Area

Winston-Salem Nc

As a former Financial Representative with the Northwestern Mutual Financial Network, the mission of my practice was to develop enduring relationships with clients by providing expert financial guidance and strategies for a lifetime of financial security. I specialized in Retirement Planning and Insurance Planning.

Greensboro/Winston-Salem, North Carolina Area

Founder and Sole Proprietor of Lighthouse Analytics LLC - Previously provided Secondary Marketing Risk Management advisory services within the Mortgage Banking industry; the following services were provided for our existing client base.•Assistance with generating custom Secondary Marketing Policies and Procedures Manual• Custom rate sheet generation & Lock-Desk Best-Practices Methodology Framework training• Transition to Bulk Loan Sales via mandatory commitments and MBS forward trading• Assistance with various agency approval and loan delivery processes involving FNMA, FHLMC, and GNMA• Project Management consulting for end-to-end mortgage banking LOS implementation processes• Product Pricing Engine customization and support• Target pricing strategy analysis and market competitiveness research• Staffing and training assistance for internal Secondary Marketing positions• Implementation of Advanced Pipeline Reporting techniques

Greensboro/Winston-Salem, North Carolina Area

Hired to establish and manage company-wide Secondary Marketing Division. Report directly to Director of Mortgage Operations and served as a key member to executive management team.• Established new relationships for Mandatory & Best Efforts Flow transactions with FNMA, FHLMC, and GNMA for service-released and/or servicing retained commitment options.• Implemented custom reporting and best practice methodologies within Shipping, Underwriting, Servicing, and Closing Departments, to facilitate smoother transition to a Mandatory Bulk loan commitment environment.• Project lead for end-to-end mortgage banking LOS across all back office departments.• Responsible for implementing paperless technology and web-based loan pricing engine to facilitate immediate and significant improvements in revenue, profitability, and back-end operational efficiencies.• Oversight of all lock desk functionality and target pricing strategies relating to all Wholesale, Correspondent, and Retail lending Channels within the Southeast.

Winston-Salem, Nc

Promoted internally to grow and support company-wide operations and oversee success of Secondary Market Division. Reported directly to CEO and served as a key member to the “change-management” team focused on presenting strategic value-added operational adjustments to existing business model. Responsible for managing 350+ million dollar annual mortgage lending portfolio, oversight of 22 branches, and 45 loan originators.• Excelled in implementing a web-based loan pricing engine that facilitated immediate and significant improvements in revenue and profitability.• Received company recognition in 2006 as “most tenacious” and “most dedicated” employee of the year & “Perseverance” award in 2007.• Personally orchestrated ongoing mortgage loan product education seminars and training programs for new and existing loan officers across 22 Branches, statewide.• Developed and managed entire lending product portfolio and established applicable profit margin strategies for all lending products for multiple market segments within Central and Western North Carolina.• Worked closely with Controller to implement customized quarterly MBS Hedge Correlation reports to comply with FASB 133 Hedge Accounting procedures. • Leveraged outsourced technology provider to aid in streamlining annual HMDA reporting requirements for post-closing department.

Greensboro/Winston-Salem, North Carolina Area

Financial Planning and Investment Advisory

Mba, General Business & Finance

B.S.B.A, Finance And Banking

Activities and Societies: Wrestling

High School

Activities and Societies: Wrestling

Education record

Activities and Societies: Wrestling, Baseball, Football