Mark Kohl Email & Phone Number

Redwood City, Ca/San Mateo, Ca

Compliance consultant for state and federal lending licensing agencies in various states across the United States.Responsible for management, maintenance, continuing education, state and federal testing and legal as the state specialist for successful start-up.

San Francisco Bay Area

Balance of San Francisco is a non-profit service and a member of the National Foundation for Credit Counseling (NFCC) and the Association of Independent Consumer Credit Counseling Agencies (AICCCA). We are accredited by the Council on Accreditation of Services for Families and Children, Inc. and are certified by the United States Department of Housing and Urban Development (HUD) to provide comprehensive housing counseling services across the US.

San Francisco Bay Area

•Lead, Manage and Support a team of 10-20 Customer Relationship Managers and Process Support Specialists in a mortgage production environment. Primary function is to assist customers whose real estate loan is in imminent default or default status. •Train and coach CRM’s, Process Support and Proficiency Coaches on all options available in the default waterfall for bank customers such as loan modifications, short sales, deed in lieu, forbearance’s and foreclosure’s etc.•Responsible for operational efficiency, work-flow, legal compliance, measurable results and customer escalations•Created a motivational goal oriented environment that ranked within the top 3 teams for production results since opening the division

CONTRACTOR-CONSULTANT, American Lenders, CA, 2010•Serve as consultant to research and create company business plan and budget for 2010-2011•Recruit, hire and train mortgage account executives to expand market share•Partner with sales, operations and accounting to create efficiencies and work flow•Work on special projects as needed

TEAM LEAD COUNSELOR – SALES MANAGER, Wachovia, FSB / Wells Fargo Bank, CA, 2008 to 2009• Lead and managed the Distressed Asset Retention Team with a focus on re-structuring portfolio loans originated by World Savings Pick-A-Payment program through FHA/VA government insured products and conventional standard Fannie Mae conforming and conforming jumbo products• Supervised the sales staff, performing origination of mortgage loans through portfolio referrals, including prequalification, application, disclosures, determining a product fit, deal structuring, full file legal compliance, setting customer expectations, and monitoring Genesys call reports in a call center environment• Served as a contributing member, strategist, team player, and partner of the site leadership team• Evaluated the productivity and efficiency of staff; hired, trained, disciplined, and terminated employeesTrained Loan Consultants on all FHA and Conventional loan products and monitored the compliance with bank policies and compliance regulatory standards (i.e. REG. Z, RESPA, HMDA, etc.) • Developed and implemented call scripts and monitored quality on all submitted loan applications• Collaborated with loan processing and underwriting to move pipelines and assist in loan operations and loan auditing• Managed various department-wide projects, including HMDA compliance of 15,000 files/portfolios Key Accomplishments and Contributions as the Team Lead Counselor / Sales Manager: • Maintained availability on the call queue with an average of less than a 2% abandon rate

SALES MANAGER / REP, American Lenders – Co-Owner, San Clemente, California, 1997 to 2008• Recruited, trained, managed, and evaluated a team of sales professionals and operations staff• Reviewed, audited, and approved all aspects of a mortgage loan application, including application, credit, appraisal, disclosures, title, conditions, approvals, and closings; ensured compliance• Developed and implemented innovative training programs for sales representatives & operations staff• Managed all revenue and expenses to ensure growth and profitability and monitored budgets

TAX PREPARER AND OPERATIONS MANAGER, Fast Tax – Owner, Orange, California, 1994 to 1997• Managed the daily operations of the tax preparation office with an emphasis on low-income clientele• Maintained and successfully managed a customer base of over 1200 customers from zero customers

REGIONAL VICE PRESIDENT / OPERATIONS, Informative Research, Garden Grove, 1990 to 1993• Developed and implemented successful and innovative training sessions for sales and production staff • Recruited, trained, managed, developed and motivated up to 20 outside Account Executives for B2B sales within Western-Southeastern Region of national mortgage credit reporting company• Managed the Credit Operations Production Staff which had up to 300 employees within 3 production centers in the Western and Southeastern Region; served as a member of the Executive Staff• Established & maintained professional & productive relationships with mortgage national accounts