Joe M. Perkins, Mba, Cltc Email and Phone Number
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**Please note, due to federal regulations, we are not allowed to display endorsements.**Our mission at Horizon Financial Services, LLC in Winston-Salem is to provide you with expert guidance and innovative solutions that are right for you, and for those who depend on you. Whether focused on your personal finances, your business, or both, I will work with you to help identify your needs and understand your financial goals to help ensure that we are providing you with the right solutions and products to meet your needs.Strategic Financial Planning | Retirement Planning | Tax Planning Strategies |
Horizon Financial Services, Llc
View- Website:
- horizonfs.com
- Employees:
- 11
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Financial AdvisorHorizon Financial Services, Llc Apr 2017 - PresentGreensboro/Winston-Salem, North Carolina Area
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Financial RepresentativeNorthwestern Mutual Financial Services May 2014 - Nov 2016Winston-Salem NcAs 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.
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Mortgage Banking Risk Management ConsultantLighthouse Analytics Llc Jan 2012 - May 2014Greensboro/Winston-Salem, North Carolina AreaFounder 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
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Vice President, Secondary MarketingRcbna Mortgage Division Oct 2009 - Dec 2011Greensboro/Winston-Salem, North Carolina AreaHired 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.
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Asst. Vice President, Director Of Capital MarketsBank Of Granite / Granite Mortgage Inc. Feb 2004 - Oct 2009Winston-Salem, NcPromoted 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.
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Financial AdvisorThe Financial Group Jan 2003 - Jan 2004Greensboro/Winston-Salem, North Carolina AreaFinancial Planning and Investment Advisory
Joe M. Perkins, Mba, Cltc Skills
Joe M. Perkins, Mba, Cltc Education Details
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General Business & Finance -
Finance And Banking -
Glenn High SchoolHigh School -
West Forsyth High School
Frequently Asked Questions about Joe M. Perkins, Mba, Cltc
What company does Joe M. Perkins, Mba, Cltc work for?
Joe M. Perkins, Mba, Cltc works for Horizon Financial Services, Llc
What is Joe M. Perkins, Mba, Cltc's role at the current company?
Joe M. Perkins, Mba, Cltc's current role is Financial Planner at Horizon Financial Services, LLC.
What is Joe M. Perkins, Mba, Cltc's email address?
Joe M. Perkins, Mba, Cltc's email address is jp****@****.rr.com
What is Joe M. Perkins, Mba, Cltc's direct phone number?
Joe M. Perkins, Mba, Cltc's direct phone number is +133676*****
What schools did Joe M. Perkins, Mba, Cltc attend?
Joe M. Perkins, Mba, Cltc attended Wake Forest University - Babcock Graduate School Of Management, Appalachian State University, Glenn High School, West Forsyth High School.
What are some of Joe M. Perkins, Mba, Cltc's interests?
Joe M. Perkins, Mba, Cltc has interest in Children, Civil Rights And Social Action, Politics, Environment, Education, Poverty Alleviation, Arts And Culture, Health.
What skills is Joe M. Perkins, Mba, Cltc known for?
Joe M. Perkins, Mba, Cltc has skills like Financial Planning, Finance, Financial Services, Risk Management, Portfolio Management, Strategic Planning, Life Insurance, Disability Insurance, Investment Strategies, Long Term Care Insurance, Retirement Planning, Financial Risk.
Who are Joe M. Perkins, Mba, Cltc's colleagues?
Joe M. Perkins, Mba, Cltc's colleagues are Julie Sayers, Sam Merrick, John J. Brais, Angel Moorefield, Scott Walker, Debra Mackie.
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