Jon Bray Email & Phone Number

7705 Glenmore Spring Way, Bethesda Md 20817

Wholesale marketing representative for Liquid Lightning Distribution, Inc., engaged to market Liquid Lightning Energy Drink, Herbal Mist Teas and other non-alcoholic beverages to on-premise and off-premise accounts in the Maryland, Virginia and Metro DC markets.

Management consultant specializing in the areas of process reengineering, business planning and change management.

Provided management consulting services as non-executive CFO to a wine and spirits import and distribution company and its subsidiary brands in the areas of strategic change, accounting, financial pro forma, valuation and audit.

Directed all operational aspects of the company, including both front and back office operations, risk management, finance, compliance administration for this emerging correspondent lender originating $400 million annually in residential loan production through retail, wholesale and call center channels..

Senior Operations Officer responsible for building de novo the dominant full-service mortgage bank in the United States organized exclusively to originate and service a proprietary co-ownership mortgage product based on Islamic principles (Shari'ah).

Manager of overall production, operations and administration of a national mortgage lender that originated $1 Billion annually through retail and wholesale channels.

Managed $300 million asset-size community bank's initiative to increase fee income through its mortgage banking subsidiary and through third-party sales of commercial and personal insurance products, trust and advisory services, payroll processing and commercial cash management services.

Founded and managed a single-office, mortgage broker business licensed in Maryland, Virginia, Washington, DC, North Carolina and Florida with $60 million in annual residential and small commercial loan volume.

Managed $1 billion in annual direct mortgage origination for Bank One Corporation (JP Morgan Chase) with full P&L responsibility for production in twenty retail sales offices and two regional processing centers comprised of 225 employees engaged in all production, processing, underwriting, funding and post-closing activities. Instituted strategic partnerships with affiliate banks to cross sell credit cards and equity loans outside Bank One retail bank markets to mortgage customers in Mid-Atlantic States.

Managed pipeline risk and secondary market execution in excess of $500 million annually in mortgage-backed security (MBS) and whole loan sales, including investor relations, product development, pipeline hedging, daily pricing, warehousing and inventory control. Co-developed and administered a servicing-retained, affordable housing mortgage program for warehouse bank’s CRA initiative and streamlined the origination and delivery of loans under tax exempt mortgage revenue bond programs for two separate State programs, two county programs and one city program. Implemented end-loan financing programs for condominium tenant conversions, and single-family builder clients and joint venture partners of the company’s land development subsidiary.

Bank One Executive Program - Leading Strategic Change

Ba, Philosophy