Patrick F. Email & Phone Number

United States

Birmingham, Alabama Area

• Responsible for managing mortgage pricing engine, creating, and publishing daily mortgage rates• Secondary Marketing mortgage pipeline hedging trader• Document and reconcile daily MBS hedging trades• Report monthly MBS trade settlements and request wire transfers as needed• Execute daily mark-to-market for hedging and best execution analysis using QRM, Bloomberg, TradeWeb, and Excel• Manage programming and testing of vital margins in the LOS• Coordinate with I.T. regarding programming of the LOS, Empower .NET and Empower WEB• Perform monthly portfolio loan sales to the Treasury group• Publish various regulatory compliance reports within the company• Conduct competitive market analysis

• Responsible for managing mortgage pricing engine, creating, and publishing daily mortgage rates• Programmed Excel VBA macros to drastically transform the pricing engine to dynamically price individual states in the bank's footprint• Document and reconcile daily MBS hedging trades• Report monthly MBS trade settlements and request wire transfers as needed• Execute daily mark-to-market for hedging and best execution analysis using QRM, Bloomberg, TradeWeb, and Excel• Manage programming and testing of vital margins in the LOS• Coordinate with I.T. regarding programming of the LOS, Empower .NET• Perform monthly portfolio loan sales to the Treasury group• Publish various regulatory compliance reports within the company• Conduct competitive market analysis• Administer the training and development of interns from the Mortgage Bankers Association

Birmingham, Alabama Area

🔸Bought/Sold pre-owned automobiles. 🔸Refurbished and performed repairs as needed.

Hoover, Al

• Led all junior salespeople in monthly sales multiple times• Gained vital knowledge of communication and sales• Developed and maintained relationships with customers• Demonstrated features and benefits of automobiles• Managed the sales process for each customer from greeting to delivery• Advised customers on financing/leasing options• Researched and increased my knowledge of new vehicles and competitors’ offerings

Atlanta, Georgia, United States

• Compiled and updated daily interest rates/pricing for Retail and Wholesale channels• Managed current mortgage pipeline through revising and updating rate locks and “scrubbing” loan pipeline regularly• Administered loan sales and MBS (mortgage-backed securities) trades • Assisted in hedging loan pipeline through MBS trades• Assisted in managing pull-through percentages of loan originators• Negotiated to purchase mortgages from broker network and retail loan officers• Negotiated to sell bulk loans to various investors• Created and published various reports and announcements that were communicated from the Secondary department to company employees and broker network• Reported directly to the Vice President of Secondary Marketing