Cult of the mask

Business Development, Branding, Corporate Vision, and Financial Affairs.

Managed pricing, rates, locks, investor relations, credit-risk policy, technology acquisition, and broker approval for this startup wholesale lender. Designed extensive spreadsheet models that automatically updated internal and external pricing for products intended for sale to multiple investors. Supervised staff and maximized efficiency in all aspects of the aforementioned.

Provided sales teams and underwriters with resources to resolve difficult underwriting questions and exceptions. Single signature authority for loans up to $500,000. Indirectly managed over 100 loan processors, provided oversight to decision-makers and helped maintain quality for the underwriting department. Managed technology projects and served as liaison with business partners and vendors. Maintained 99%+ accuracy rate in exception underwriting with loan volume well in excess of 1 billion dollars while credit quality rating increased from "C" to "AA". Realized $10,000 to $15,000 in monthly savings for company through the implementation of new quality control procedures.

Responsible for staffing of account executives, processors and clerks. Managed training, performance reviews, payroll and acquisition of wholesale business. Supervised flow of business from pre-approval to closing. In-house "expert" on (notoriously difficult) Texas mortgage law. Much-used resource for management and other regions in matters pertaining to Texas. Set highest standards for customer service ever found at the company. Increased sales volume by 600% in less than a year. Reduced staff turnover from 50% annually to virtually nil. Trained peers and new staff members.

Maintained status as the top-producing Account Executive over entire tenure. Set standards of production and highest monthly sales totals that stood as records for years after I moved to another position. Defined the position of account executive as the company transitioned from retail to wholesale. Gained funamental knowledge of sales and mortgage industry by observing and interacting with the several types of mortgage brokers. Developed a customer network and created a broker database. Determined qualified mortgage brokers within minutes, identifying offices that merited further attention.

Lead engineer: supervised staff in various innovative glass and ceramic projects. Designed materials fabrication and testing programs on several projects to determine feasibility of industrial application with a minimum of allocated resources.