Michael Sabarre Email & Phone Number

Harrisonburg

Harrisonburg Va

A Little Bit About MichaelIntegrity is the cornerstone of my business. I believe a mortgage should be about building relationships, and helping my customers achieve the “American Dream”. I take a consultative approach to client development and make it my goal to get you the right loan.I have been in the financial services industry since 2001 giving me the opportunity to meet with and assist a variety of consumers with their financial needs. Through my experience, the biggest investment that an individual make is that of purchasing a home. I will guide you through the mortgage loan process and provide you with the best financing to support your current life’s situation.I am proud to be a Mortgage Loan Originator with Integrity Home Mortgage, and I look forward to helping you with your home financing needs.

Harrisonburg, Virginia

● Proactively solicits new residential mortgage business and sells Bank of America mortgage products to meet established loan quality and production goals. ● In this on-going sales role, the Mortgage Advisor continually identifies, develops and maintains a quality network of business relationships that serves as a recurring source of referrals for new mortgage lending opportunities. A Mortgage Loan Officer’s network may consist of Real Estate professionals, Builders, professional and personal contacts, as well as other valuable referral sources, and is enhanced by the Mortgage Loan Officer’s regular participation in business related development opportunities, community efforts to promote homeownership and professional organizations. May be partnered with a Mortgage Loan Associates (MLA) to provide guidance around all aspects of the sales process. ● The Mortgage Advisor responds to customer inquiries and referrals that are generated from both their own contacts and from other Bank of America business channels. The Mortgage Advisor conducts interviews with prospective borrowers in order to analyze financial and credit data, determine customer financing objectives, advice customers of product/pricing policies and guidelines, and gather any additional required information. The Mortgage Advisor ensures exceptional customer service by maintaining thorough knowledge of lending programs, policies, procedures and regulatory requirements, demonstrating a commitment to professional ethics, complying with all Federal and State compliance policies and adhering to HMDA requirements. ● Develops and maintains successful relationships with business referral sources.● Prospects new mortgage lending opportunities. Meets with customers as necessary during various stages of the loan process.● Ensures exceptional customer experience by overseeing loan process from origination to close and providing on-going communication to customers and business partners.

Alexandria, Virginia

● Worked with the branch manager to develop and implement an operating budget, business plan with sales and productivity goals, and a marketing plan containing event promotions, direct mail, and other strategies for each assigned operation. The results of these plans or progress against budget, sales, and productivity goals are reported on a regularly scheduled basis as established by the appropriate management team member. Be a direct resource for managers on staff, technology, and budget issues to ensure member service standards are met and exceeded. The measurement of these results is measured using branch goals and other identified measurements. Ensures morning huddles and weekly one on one coaching process is established and maintained at each assigned branch. Administer corrective action, disciplinary action and counseling with assigned managers as necessary. ● Developed and established weekly tracking tools for the manager. Monitor and counsel on weekly, monthly and yearly production progress of each assigned branch. Oversee the member experience by daily monitoring and counseling of complaints recording in Everest, PenFed complaint tracking system. Review and approve all evaluations for each assigned branch. Assist manager in addressing member complaints for final resolution. Addresses member complaints as necessary to ensure final resolution.● Provided supervision and coaching to Branch Managers, evaluating productivity and sales goals for staff members, regularly reviewing verbal and written evaluations, administering corrective disciplinary action and counseling for Managers who are not meeting their standards and/or not performing the job in a manner consistent with PenFed policy and procedure or management directive. Assists in recruiting, hiring and training of Managers and Operations staff for assigned branches. Conducts periodic site visits, within assigned travel budget.

Roanoke, Virginia Area

● Managed sales and operations of a 10 person profit center. Maintained full responsibility for Profit & Loss● Met multiple daily, weekly, monthly, and quarterly goals for profit center.● Developed a strategic business development plan for acquiring and expanding retail/commercial clients. (Chamber of Commerce, Networking events, “Wagon” wheel, “Refer a friend”, At Work)● Facilitated daily and weekly staff meetings to share information, respond to issues, objection clinics, an d talk about current performance in comparison to target.● Directed weekly production meetings, generated forecasts, and set performance milestones to ensure accuracy and timelines of monthly-end deliverables.● Worked closely with other managers and senior managers to discuss and implement process improvements (Six Sigma Process) for determining customer needs resulting streamlined operations and increased revenues.● Coached individual team members in presentation and communication skills, supporting each member’s growth and career development.● Facilitated onsite training of up to 10 associates for new product rollouts and process, with a particular focus on sales performance and quality.● Averaged 350k in Monthly Loan Production.● Increased 10% in Total Sales Value from quarter to quarter.

Annandale, Virginia

● Originated and expanded commercial and residential loans through an established network of real estate brokers/agents, principal brokers, builder/developers, business bankers, and financial center managers.● $1 Million Average in Monthly Loan Production.● Handled broad aspects of the loan origination process.● Assisted clients in securing mortgage financing for new home purchases.● Solicited and develop new relationships with brokers/agents, principal brokers/agents, builder/developers, business bankers, and financial center managers through networking events, cold calls, newspapers, flyers, seminars, and word of mouth.● Marketed and promoted the company through events, community involvement, professional and personal affiliations.

Alexandria, Virginia

● Originated mortgage loans A Paper through solicitation of builder/developers, real estate brokers/agents, and financial institutions by selling the advantages of the company.● $400k Average in Monthly Loan Production.● Called on trade organizations, typically in assigned geographic area, to obtain FHA/VA or conventional applications.● Cross Sold company services to all customers while working closely with company Cross Sell Coordinators.● Followed through on the loan process until closing by working within standardized methods/processes and utilize company standard rates as outlined by your region.● Continuously looked for new and improved methods of handling customer interaction. This includes changing procedures as needed to ensure the level of service within the organization is held to a high standard.

Fairfax, Virginia

● Increased and managed branch profitability; minimized economic and environmental risk.● Established a $35MM loan and deposit profit center in a year and 7 months.● Averaged $1.5 million Average in Monthly Loan Production.● Ensured all retail loans extended met the following key performance measures: Profitability, Growth, Safety, Productivity, Liquidity, and Asset Quality.● Increased non-interest income growth by 15.00%.● Increased transactional account (DDA) growth by 20% over annual target deposit growth.● Attained top 5% of First Horizon Bank Network for Retail Loan Production. ● Participated in civic, government, professional, and business groups to solicit and develop new retail business. ● Directed branch personnel: hiring, goal setting, performance reviews and ratings, salary reviews, objection clinics, promotional transfers, terminations, and training. ● Maximized operations by managing non-interest expenses. (refunds, overtime)● Initiated and directed outside retail client development and in-house marketing programs.

Alexandria, Virginia

● Coordinated the delivery of a broad range of bank products and services (deposit, credit, mortgage, investment, insurance, Non-proprietary products, etc. to assigned BB&T’s emerging affluent clients; proactively develop new client accounts; and deliver exceptional, high-level service to existing client accounts.● Attained top 10% in sales for Retail Service Officers in the DC Metro Region.● Determined needs, abilities, earnings, and Bank risk; requests necessary information.● Evaluated and extended credit and terms in accordance with policy and lending authority.● Prepared and recommended to higher authority any loans in excess of authority.● Assumed responsibility for proper documentation and review of accounts.● Successfully executed the BB&T Decathlon by calling on potential and existing clients.● Proactively cultivated spheres of influence, such as CPA and law firms to keep an active source of referrals.● Achieved top 25 Relationship Banker award for BB&T National Region.● Facilitated weekly campaign sales meetings and analyzed sales forecasts.● Developed both commercial and retail client relationships.

Falls Church, Virginia

● Managed a team of 4 provisioners. Ensured that they complete the necessary tasks to complete circuit installation in a timely fashion. ● Coordinated the installation of 500 circuits.● Established an escalation process in solving circuit problems.● Worked collaboratively with different departments to achieve the common goal of delivering circuits to the customers in a timely fashion, while maintaining responsibilities with being a Team Lead of Data Network Provisioning.

Reston, Virginia

● Responsible for Service Order Information and Order Implementation.● Created Access Service Requests (ASRs) for submission to the proper CLECs and ILECs. Tracked from start to finish of circuit installation.● Implemented cost analysis formula from Hub to End User (Customer) for the most cost efficient path. Provisioned Frame Relay, Private Line, ATM circuit installation, change and disconnect service orders.

Bachelor’S Degree, Accounting Information Systems

Education record