Raynard Harris Email & Phone Number

Winston-Salem, Nc, Us

Winston-Salem, Nc, Us

Financial Services Representative - Duties and responsibilities include:Assisting clients with their financial goals and providing advice on financial management.Offering various financial products and services such as checking/savings accounts, CD’s, loans, and investment opportunitiesProcessing financial transactions like deposits, withdrawals, and payments promptly and accuratelyOriginating consumer loans in branch, via phone, third party loan souringClosing/Funding consumer loans (auto, signature, lines of credit)Develop and maintain excellent knowledge of all products and financial services offered by the credit union and be knowledgeable of laws and regulations pertaining to credit union services, including lendingIdentifying and assessing customer needs to achieve satisfactionEstablishing relationships with clients, maintaining and expanding client databaseResolving customer complaints and disputes involving their accounts or servicesComplying with all financial industry regulations and internal control protocolsPreparing financial reports by collecting, analyzing, and summarizing account informationParticipating in educational opportunities to improve job knowledge and performanceMortgage Loan Officer - Duties and responsibilities include:Meet with applicants to obtain information for loan applications and to answer questions about the process.Evaluate, authorize, or recommend approval of commercial, real estate, or credit loans.Review and credit and loan files.Analyze applicants’ financial status, credit, and property evaluations to determine feasibility of granting loans.Submit applications to credit analysts for verification and recommendation.Explain to customers the different types of loans and credit options that are available, as well as the terms of those services.Obtain and compile copies of loan applicants’ credit histories, corporate financial statements, and other financial information.

→ Manage functions pertaining to providing quality service for facilities management and work with the management team on fiscal, strategic planning→ Handle overall research for new business opportunities, creating business plans and staying on top of industry-specific trends→ Plan, develop and oversee the overall business development strategy→ Provide guidance and financial planning to the business→ Develop a growth strategy focused both on financial gain and customer satisfaction→ Deliver documentation support, procedure, and financial initiatives for the business→ Research organizations and individuals to find new opportunities→ Proactively seek new business opportunities in the market→ Develop goals for the development team and business growth and ensuring they are met→ Adapts new business strategies in accordance with the types of clients already secured by the company→ Increase profitability by proactively identifying new opportunities→ Create and establish financial policies, procedures, programs, and best practices→ Determine the accounting and financial management framework in order to monitor and enhance reporting performance→ Analyze and recommend operational and strategic direction based on modeling and forecasting→ Provide management with analysis and evaluation of financial, operational data and information to make sound and timely managerial decisions→ Proactively identify, evaluate and drive opportunities to reduce costs→ Manage to solve complex problems by primarily leveraging the systems and tools currently available to the organization

Winston-Salem, North Carolina, Us

Provide financial counseling on money management coaching, credit and debt counseling, and housing counseling to individuals and families. The goal is to improve the overall financial wellbeing of the client and to assist them in reaching their goals, whatever they may be, without judgement or projection of opinion. Counseling typically assists clients through a potential crisis, while coaching offers support, encouragement, and empowers the client in awareness of financial concepts, day-to-day financial skills, and the importance of emergency savings.Provides action plan with options available to resolve their financial concerns or goals. Provide financial, credit, housing, crisis, coaching, and advocacy counseling to clients, offering options to navigate financial concerns or goals, including homeownership, debt management plans, budgeting, credit report reviews, student loan counseling, and foreclosure prevention.  Abide by the Counselor Certification requirements of the National Foundation for Credit Counseling, HUD, HECM, SHIIP, Info & Options Counseling. Maintains professional competency by participating in continued education, workshops, seminars, and trainings to maintain certifications and professional development. When applicable: Facilitate financial education public workshops to all populations in the community, presenting material at a level of understanding for most audiences, using presentation materials, while promoting and representing the agency. Deliver services by interviewing, analyzing, and investigating client’s financial situation. Establish and maintain positive rapport with community partners, other non-profit agencies, financial institutions, lenders, realtors, and the numerous resources and referrals in our community. Maintain active professional competency by participating in training and workshops for professional growth in areas pertaining to duties. Maintain certifications required to perform the duties of the job.

Hicksville, Ny , Us

Senior Mortgage Loan Officer→ Responsible for providing residential mortgage loan solutions on a regional level supporting servicing to a diverse customer base→ Strategically planned & conceptualized creative, out-of-the-box strategies to enhance business→ Collected and analyzed customer financial information for multifaceted and/or complex borrowers→ Met mortgage loan financial standards by providing annual budget information; monitoring expenditures; identifying variances; implementing corrective actions→ Attracted new mortgage loan applications by developing relationships within the community, specifically with the real estate community; making sales calls to prospective customers→ Developed and maintained loan pipeline and follow a “daily” pipeline management strategy to ensure the proper execution of loans throughout the origination, processing, underwriting, and closing process→ Identified client needs by financial profiling and partnering with local market colleagues to provide additional financial solutions to their clients→ Provided guidance and mentoring to banking center team members to identify opportunities to review every customer's banking relationship, to uncover possible mortgage loan opportunities to deepen and enhance the client's total relationship→ Approved mortgage loans by examining the application and supporting documentation; estimating credit-worthiness; calculating repayment risk→ Competed mortgage loans by monitoring collection, verification, and preparation of mortgage loan documentation; scheduling and completing mortgage loan closing

Raleigh, North Carolina, Us

With over 15 years in the mortgage industry, Raynard Harris is a known expert in both purchase, construction, and refinance mortgages. His extensive knowledge of the ever- changing market enables him to help you find the loan program that helps you obtain your mortgage loan needs.Raynard is one of First Citizens Banks top producers, committed to working in your best interest. Attention to detail, honesty, and understanding his clients' needs, helps to ensure a smooth transaction with Raynard. Many real estate agents and past clients recommend his services. Raynard has experience with all types of loan programs including Conventional, Construction, FHA, VA, USDA, First-time Homebuyer, and Down Payment Assistance Loans. Raynard would love to assist you with your mortgage financing needs.So if you are ready to build or purchase the home of your dreams, or refinance your current home, please give Raynard a call or apply online.

Charlotte, Nc, Us

Mortgage Loan Originator; provides residential mortgage loan solutions on a regional level supporting servicing to a diverse customer base. Deliver standard and specialty mortgage products such as conventional, affordable housing, portfolio, FHA, VA, Construction to Permanent, and ARM.-Develop and maintain loan pipeline and follow a “daily” pipeline management strategy to ensure the proper execution of loans throughout the origination, processing, underwriting and closing process. -Identify client needs by financial profiling and partnering with local market colleagues to provide additional financial solutions to their clients.-Posses a high degree of focus on anchoring relationships through cross selling techniques.-Identified potential opportunities and performed credit counseling workshops in partnership with external referral sources/partners i.e. Chamber of Commerce, Realtors and Builders.-Provided guidance and mentoring to banking center team members to identify opportunities to review every customers banking relationship, to uncover possible mortgage loan opportunities to deepen and enhance the clients total relationship.

Responsible for developing and strengthening the loan referral network, leveraging leads to maximize and achieve loan goals. Responsible for exploring and pursuing new markets for loan products, analyzing loan requests and preparing written evaluations and recommendations for approvals as well as coordinating the platforming and underwriting for successful closing and funding. Duties include ensuring that documents are properly prepared and executed pre and post closing to provide clients with a successful experience. Provide commercial, and business loan solutions on a regional and national level while supporting servicing to a diverse customer base. Deliver standard products such as conventional, portfolio, SBA, Construction to Permanent loan solutions. Experienced in specialty financing such as Mezzanine, Bridge, Hard Money, POF, Monetization, BG, SBLC to deliver immediate funding solutions.

OPERATIONS MANAGER The Operations Manager has overall responsibility for effectively managing all facets of a multiple gym locations to include customer satisfaction, effective recruitment and selection, proper training of the staff, employee personnel issues, sales & membership solicitation, facility cleanliness while ensuring the club is achieving projected membership/sales goals as well as all other established company policies and directives. Job Responsibilities: Performs operational analysis; evaluates and develops systems and operating procedures to achieve maximum efficiency. In conjunction with vendors, maintains all database, system and network software packages to ensure compatibility, stability and supportability.  Manages the overall administrative operations and oversees the development and coordination of productivity and quality performance measurement systems.  Responsible for developing, implementing and maintaining computer database tables, queries and reports of Fitness/Wellness programs to ensure efficient workflow processes.  Implements processes to meet strategic planning goals. Oversees operational changes to assure compliance with program requirements and trains Key individuals on program changes.  Compiles program participation data for Fitness Centers and generates monthly usage and billing reports.  Generates monthly, quarterly and annual reports on fitness facilities and wellness program usage.

Toronto, Ontario, Ca

Mortgage Loan Originator; provides residential mortgage loan solutions on a regional level supporting servicing to a diverse customer base. Deliver standard and specialty mortgage products such as conventional, affordable housing, portfolio, FHA, VA, Construction to Permanent, and ARM.-Develop and maintain loan pipeline and follow a “daily” pipeline management strategy to ensure the proper execution of loans throughout the origination, processing, underwriting and closing process. -Identify client needs by financial profiling and partnering with local market colleagues to provide additional financial solutions to their clients.-Posses a high degree of focus on anchoring relationships through cross selling techniques.-Identified potential opportunities and performed credit counseling workshops in partnership with external referral sources/partners i.e. Chamber of Commerce, Realtors and Builders.-Provided guidance and mentoring to banking center team members to identify opportunities to review every customers banking relationship, to uncover possible mortgage loan opportunities to deepen and enhance the clients total relationship.

Charlotte, Nc, Us

Mortgage Loan Originator provides residential mortgage loan solutions on a regional level supporting servicing to a diverse customer base. Deliver standard and specialty mortgage products such as conventional, affordable housing, portfolio, FHA, VA, Construction to Permanent, and ARM.-Develop and maintain loan pipeline and follow a “daily” pipeline management strategy to ensure the proper execution of loans throughout the origination, processing, underwriting and closing process. -Identify client needs by financial profiling and partnering with local market colleagues to provide additional financial solutions to their clients. Posses a high degree of focus on anchoring relationships through cross selling techniques.-Provided guidance and mentoring to banking center team members to identify opportunities to review every customers banking relationship, to uncover possible mortgage loan opportunities to deepen and enhance the clients total relationship.

San Francisco, California, Us

Developed new deposit and loan business; provided a superior level of customer relations, and promoted the sales and service culture through coaching, guidance and staff motivation; achieved individual and branch sales goals through new business sales, referrals, and retention of account relationships.-Previously responsible for all aspects of lending requests including: origination, processing, underwriting, and closing.ACHIEVEMENTS: -Achieved 127% of the business development goal set at $ 5 million in assets; maintained 100% or better for all established production goals.-Recognized in the top 5 Financial Specialist in the corporation for 3 months running and in the top 100 consistently.-Consistently recognized on weekly customer service billboard reports for receiving a “Perfect 7”, the highest score given for face-to-face interactions with clients as reported by “Gallup Poll”.

Mortgage Loan Originator; provides residential mortgage loan solutions on a regional level supporting servicing to a diverse customer base. Deliver standard and specialty mortgage products such as conventional, affordable housing, portfolio, FHA, VA, Construction to Permanent, and ARM.-Develop and maintain loan pipeline and follow a “daily” pipeline management strategy to ensure the proper execution of loans throughout the origination, processing, underwriting and closing process. -Identify client needs by financial profiling and partnering with local market colleagues to provide additional financial solutions to their clients. Posses a high degree of focus on anchoring relationships through cross selling techniques.-Provided guidance and mentoring to banking center team members to identify opportunities to review every customers banking relationship, to uncover possible mortgage loan opportunities to deepen and enhance the clients total relationship.

Manage a diverse array of operations engineering projects by effectively utilizing and coordinating internal and external resources to determine project requirements and cost savings potential and identify resources required for daily operations. -Overall responsibility for project planning, budgeting, implementing, and scheduling of contractual projects awarded by the City of Chattanooga, Tennessee.-Responsible for identifying sales and business growth opportunities, forecasting and budget management of Chattanooga operation.-Duties include personnel interview, hires, schedules, disciplines and terminates.-Prepare daily reports of sales, job tickets, work logs, labor hours and accounting controls of industrial operation.-Responsible for maintenance of the R.V.I. industrial trucking and equipment fleet including accountability of equipment and parts inventory

Previously responsible for the administration and efficient daily operation of a full service Mortgage Branch Office, including operations, lending, product sales, customer service, in accordance with the company’s objectives. -Developed new mortgage loan business; provided a superior level of customer relations, and promoted the sales and service culture through coaching, guidance and staff motivation; achieved individual and branch sales goals through new business sales, and referrals.-Develop and maintain loan pipeline and follow a “daily” pipeline management strategy to ensure the proper execution of loans throughout the origination, processing, underwriting and closing process.-Identified and participated in credit counseling and first-time home buyer workshops in partnership with external referral sources/partners i.e. Chamber of Commerce, Realtors and Builders.-Deliver standard and specialty mortgage products such as conventional, affordable housing, portfolio, FHA, VA, Construction to Permanent, and ARM.

Us

Responsible for providing technical expertise and support in the areas of network administration, network applications administration, workstation support, and Offshore Project Management.-Overall responsibility for the planning, budgeting, implementing, tuning, and troubleshooting of the Novell and NT operating systems, database systems, and related software products that run computer platforms under the custodianship of Information Technology Services. Leads a team of 4 technical professionals in the areas of Novell, NT, and AS400 system administration.-Provided training and implemented cross training of technical support staff. Prepare project plans, activity, status, and software performance reports that document and track ITS service level objectives.-Protected vulnerable networks following detailed risk assessments. Guided cross-functional teams in the design, validation, acceptance testing and implementation of secure, networked communications across remote sites for several key manufacturing facilities.-Led comprehensive security infrastructure upgrades (e.g., firewall/VPN upgrades, intrusion detection, token-based authentication and remote management).

Masters Of Theology(Thd.), Theology/Theological Studies And Religious Vocations

Master Of Theology, Theology/Theological Studies And Religious Vocations

Bachelors Of Science, Bachelor Of Science, Business - It Management

Bachelor Of Arts, Theology

Diploma, Business Systems