Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. Legaci Tomorrow Insurance & Financial Services is not an affiliate or subsidiary of Guardian. CA Insurance License Number - 4290147. This material is intended for general use. By providing this content The Guardian Life Insurance Company of America, Park Avenue Securities LLC, affiliates and/or subsidiaries, and your financial representative are not undertaking to provide advice or make a recommendation for a specific individual or situation, or to otherwise act in a fiduciary capacity. Guardian, its subsidiaries, agents and employees do not provide tax, legal, or accounting advice. Consult your tax, legal, or accounting professional regarding your individual situation. Links to external sites are provided for your convenience in locating related information and services. Guardian, its subsidiaries, agents and employees expressly disclaim any responsibility for and do not maintain, control, recommend, or endorse third-party sites, organizations, products, or services and make no representation as to the completeness, suitability, or quality thereof.

Disaster Relief Loans

Analyze residential and commercial applications for completeness, evaluate income for repayment ability, and analyze business financial statements and tax returns. Stay in constant contact with applicants for required documentation, pull credit and review income. Utilize BFAT and MFAT to underwrite applications and prepare for loan closings.

Engaged with consumers to determine their mortgage needs. Originated mortgage applications by phone and prepared loan proposals. Reviewed tax docs, credit reports and income documents to determine eligibility. Uploaded files into DU or LP for approval and terms. Completed client consultation. Locked rates, cleared PTD and PTF conditions while keeping in great communication with all borrowers. Remained informed about current market trends to obtain best available programs/ rates for my borrowers. Proficient with FHA/ FHA streamlines, Fannie-DURP/ Freddie-LP loans, HARP 2.0, VA, IRRRL and All Regs.

I originate my own clients by making cold calls and following up with my book of business and managed my loans from origination to funding. As a Realtor for both buyers and sellers, I completed all disclosures, took clients out to view properties, researched comps, worked open houses and worked closely with my escrow coordinator to take clients from contract to close of escrow.

As a Sales Manager, I oversaw a team of 6 loan officers and Realtors, held bi-weekly sales meetings, tracked all pipelines and handled all hiring and firing of the sales staff. As a senior loan officer, I originated my own clients, managed my own pipeline, worked up loans, completed weekly update calls and oversaw the file from origination to funding. As a Realtor, I completed all disclosures, took clients out to view properties, researched comps, listed homes and took each file from contract to close of escrow.Performance Recognition: Top Agent Award Q1 2006 volume funded $2,132,196, Top Realtor Award Q4 2008 volume funded $1,060,000.

Trained team of 10 mortgage consultants how to originate new business. Assisted with interviewing new prospects and oversaw nightly phone origination sessions. Originated my own clients, managed my own pipeline, worked with several banks to find clients the best loan options, worked with loan processor to collect all stipulations needed and completed the sales cycle of the file from origination to funding.

Inbound and outbound phone calls to current portfolio. Took complete mortgage applications, completed sales cycle from origination to funding. Assisted loan processor with collecting necessary loan stipulations to fund files. Performance Recognition: Henderson's Heroes awards- October 2003 volume funded $2,098,499, December 2003 volume funded $2,397,400.

Sales Manager for start-up marketing company. Prospect for new clients by cold calls and warm leads. Created and completed sales presentations with potential sponsors. Worked with business owners to create new and innovative events at their establishments. Ran bi-weekly sales meetings with team of 10. Completed all hiring and firing of sales staff. Mapped out marketing territory for staff.

Train, develop and direct sales force. Emphasize client relationships, new account development, and sales force productivity. Run daily sales meetings and motivate each representative to exceed their daily goal. Interview, hire and fire all sales force. Instituted training manuals, policies and procedures for each individual new hire.