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 Originates mortgage loans in an assigned metropolitan territory.  Take applications, conducts preliminary underwriting reviews and submit loan applications to processingand underwriting for approval.  Follow-up to ensure that documents required for processing, underwriting, and closing are secured in atimely manner from appropriate sources Establish referral source relationships for a steady flow of loan volume from real estate brokers, buildersand other external sources. Actively participate in local and state mortgage banking, realtor, and builder trade associations, andmaintains a thorough understanding of mortgage industry knowledge and event issues. Maintain an in depth knowledge of U.S. Bank Home Mortgage products, policies and procedures. Responsible for producing customer service that impacts a positive customer experience with U.S. Bank. Establish collaborative partnerships within U.S. Bank Home Mortgage and other business lines within U.S.Bank to promote the establishment and growth of customer relationship and additional product sales

District sales manager responsible for a team up to 15 Branch Managers, District Operations Manager and a team of Branch Operations Specialists in the East Bay District of the San Francisco Bay Area. Promoted and improved the sales effectiveness of the management staff by developing sales management and motivational skills through the use of sales training classes and seminars. Responsible for encouraging entrepreneurial management styles and approaches to balance the commitment for customer service excellence with the commitment to sell the full line of financial products and services. Developed a comprehensive plan for retention of existing customers and increasing market penetration by setting goals that contribute to the corporate goals. Ensures that the goals are consistent with the plan objective and accountability for goal attainment.  Communicated business goals, objectives and company performance results, assigns work goals/performance expectation; provides performance feedback, coaching, training and counseling;develops a management succession plan. Holds monthly managers’ meetings.  Responsible for recruiting managers and ensuring compliance of personnel policies, including the Equal Employment Opportunity laws.  Generated business development opportunities within the district, and participates in the development andimplementation of marketing strategies with managers, including special events, publicity, promotions and sales calls. Participates in community activities. Prepared district budget and directs the individual branch budget preparation. Ensures continuous action to control cost while maintaining high quality performance and increasing bank profitability. Adhered to Bank’s lending underwriting standards and lending authority. Approves/denies commercial and consumer credit requests that are above branch manager’s lending authority.

Led a Regional Management team comprised of 6 regions, 93 retail bank branches throughout the Northern CA, Central Coast, High/Low Desert and Arizona areas. Accountable for sustaining and improving profitability of market region, while plotting long-term growth of branches within the designated region. Provided direction, strategic decisions and leadership for branch managers in order to pursue cost-effective financial solutions for current and potential consumer customers and promotion of growth rate of loans and deposits. Oversaw branch banking policy implementation and evaluate regional branch effectiveness throughfinancial and activity reports. Promote cross-selling opportunities throughout the corporation. Actively ensured compliance with all policies and procedure and branch operational audits.