Robert Germano Email & Phone Number

Greater New York City Area

PROGRESS IS NOT POSSIBLE WITHOUT CHANGE!We proudly offer Wholesale, Non-Delegated and Correspondent delivery options. PRMG is a Top 10 Wholesale mortgage lender & was voted the #1 Mortgage Company to work for in 2018, 2019, 2020 & 2021! PRMG exceeded $1B in monthly volume for the first time in April, 2020. Since 2001, PRMG has been & continues to be a leading lender in the mortgage industry. Privately held, PRMG has successfully helped hundreds of thousands of borrowers purchase and refinance their homes. Starting with just 3 employees, today PRMG is ranked in the Top 10 of the Top 100 Mortgage Companies in America and employs 3,000+ employees.Our associates are empowered to run the business and our local/ regional operation centers brings our decision making right into the local areas we are working in. A major differentiator. PRMG is known for it's unique "company culture". Our culture is earned and it shows! Combined with our associate engagement they are reflected in customer satisfaction reviews; all three being factors in helping drive the business forward. We create Raving Fans! Our corporate headquarters are located in beautiful Corona, Ca. Our regions fulfill locally so all of our Northeast decisions are made right here in the northeast. Lending in 49 states, PRMG has a wide and diverse portfolio of mortgage products, coupled with a team of professional mortgage bankers waiting to help you succeed in this ever-changing industry. Explore our full menu and experience a lender that provides unique customer service with competitive pricing that allows us to tailor our business model to best fit yours, and make decisions right at the relationship level.Conventional (Seller/Servicer)FHA/VA/USDA (Seller/Servicer)JumboNonQMSecond Mortgage/ Piggyback HELOC DPAAnd more If you are interested in becoming an approved partner or working w/ us as an AE, contact me to discuss in confidence. "Built By Originators For Originators"

Bergen County, Nj

At all levels, the Viper organization is committed to providing an environment where our players learn how to play softball at an advanced level whether it be at our introductory 10U teams or advancing 18U college showcase teams. While softball skills are a major part of our training, we focus as much or more about teaching responsibility, teamwork, accountability and sportsmanship. There can be no "true" victory without integrity, hard work and a passion for the game of softball! North Jersey Viper players learn to respect the game and all who are involved in it - teammates, coaches, officials and parents!Our primary objective is to motivate and teach athletes the fundamentals of competition and discipline to provide a positive environment for the development of a successful athletic career, resulting in the athlete realizing her greatest potential and playing at the highest level possible. While our primary objective is athletics based, we strive to teach & prepare our players for challenges they will face outside the lines, knowing they can look back on their Viper experience and know they can overcome whatever lies ahead. www.northjerseyvipers.com

Avon, Ct

Directed the Wholesale channel for Village Mortgage. Recruited & assembled a combination of corporate and remote based associates to maximize talents and skill sets to provide top shelf access and service to our mortgage broker customers. Our team was able to bring in over 50 brokers in 8 months and exceeded our projections by 28% despite very challenging market conditions. Responsible for sales, operations and strategic initiatives for the Wholesale channel. Due to strategic factors with the sale to Bay Equity, Village dissolved the wholesale channel and exited the broker business entirely in February, 2019.

Greater New York City Area

Land Home Financial Services, Inc. (LHFS) is headquartered in Concord, CA and has been in business since 1988. Responsibilities were to oversee and manage wholesale expansion in the east coast markets from Florida to Maine. Recruited and hired AE's and oversaw the acquisition of a production team that contributed significantly to the divisional and channel growth. Managed the largest producing wholesale division in the company by expanding approved broker partners by 200% and funded volume by 150%.

Greater New York City Area

Hired to build and manage wholesale expansion to introduce company offerings into east coast markets. Recruited and hired 8 AE's in first nine months of east coast sales efforts. Executive sales sponsor and architect for company AE training. Created sales forecasts, budgets, hiring plans and sales strategies while advocating and driving wet state sales and fulfillment needs for the east coast sales force and customer base.

Greater New York City Area

Established and launched company's Wholesale platform and created company branding as a wholesale lender. Responsible for the growth and expansion in the eastern half of the US by recruiting, hiring and mentoring Account Executives. As channel dales director, responsible for communication of company goals and corporate vision while creating and executing strategy, delivery & support. Evangelized the sales force and customer base to create a customer centric process for channel and company sales initiatives and customer/ borrower satisfaction.

Northeast Region

Hired as part of the transition/ acquisition of the Loan Depot/ o2Funding wholesale platform. Responsible for quality and growth of wholesale business in the Northeast. Recruited, hired, trained and mentored Account Executives to achieve desired market share and higher performance. Facilitated communication of company goals and vision with the field while creating and delivering significant sales support. Created, managed and implemented sales strategies, territory and change management initiatives while working with channel support to remove barriers to AE success.Selected Achievements/ Responsibilities: - Recruited, hired and managed 11 Account Executives- Created Wholesale Marketing Committee to help promote company, marketing programs and menu of offerings- Created and managed pricing strategies for Northeast Region- Established and transitioned a new sales region overcoming silo and cultural challenges- Managed approx. $600M in annual fundings from a population of 500+ mortgage brokers- Created budget plan for 2013 production- Reported directly to CEO of Wholesale Channel

Foothill Ranch, Ca

Member of a senior management team hired to open and expand a wholesale origination business for loanDepot. Based in Foothill Ranch, CA, o2Funding was a national lender focused on delivering exceptional service and bringing the "relationship" aspect of the business back to serve mortgage brokers.o2Funding's wholesale platform was acquired by New Penn Financial in February, 2012.

Created a sales platform that provided: 1) web-based turn-key platforms for discount and lifestyle benefits to employer and membership organizations, and 2) retail residential mortgage originations offering Fannie, Freddie, FHA and Jumbo products. Programs and products were delivered using a blend of proprietary technology, market leading supplier networks and well capitalized, reputable fulfillment partnerships to ensure the best infrastructure and customer support possible.

Selected to lead sales and lending operations with full P&L accountability for $20+ Billion in annual sales for East Coast division. Directed four Regional Managers, 11 sales managers, and 300 account executives supporting 25,000+ customers. Oversaw service level agreements, sales and production functions, associate and leadership training, new technology integrations, process improvements, compensation strategies, risk management, change management initiatives, and product delivery. Played key role in establishing company budget, goals, metrics, strategies, policies and procedures. Led multiple production / sales centers in the eastern half of the country. Ensured responsible lending, sales and profitability tactics were in place across operations. Grew and established the largest production and profit center in the wholesale organization.$330 million monthly sales increase representing 19% in revenue growth produced by establishing bottoms-up strategic business and sales plans to aggressively identify, target, and penetrate key market territories. Gained #1 market share (certified by HMDA) and best in class customer service (per Gallup) and employee engagement (per Mercer) by creating and aligning sales processes and production centers / territories to overcome barriers and meet sales targets for an East Coast region.

Responsible for establishing a network of mortgage brokers to originate mortgage loans in the States of New York and New Jersey. Responsible for sales, underwriting, loan closing coordination and secondary market/ investor acceptance and delivery. Maintained and balanced relationships with individuals in all areas of loan transactions, including business owners, loan officers, processors, appraisers, secondary market investors, closing agents and title company representatives. Key Achievements & Contributions:Recognized as a leading sales management group by generating over $5+ million in monthly volume and establishing the company’s largest account.

Directed both an affinity bank’s retail operation and Northeast wholesale originations simultaneously. Managed inside and outside sales efforts in 13 states involving 10,000 mortgage brokers and $250 million in annual loan volume. Supervised team of 5 managers and 75 employees. Created wholesale and retail advertising campaigns, management metrics, reporting policies, lead and territory management and negotiated vendor and service provider agreements. Had dual reporting responsibilities and accountability to both the bank’s Board of Directors and Cityscape managing directors.

Bs, Finance

Graduated Cum Laude SHU Baseball, 1987-1988

Diploma, General Studies

Activities and Societies: 1st Team, All State Baseball