S. Justin Ray Esq Email & Phone Number

Western North Carolina

Avery County, North Carolina, United States

Civil Litigation, Real Estate Contracts and Litigation, Construction Law and Contracts, Business Law and Business Contracts, Estate Planning and Administration, IAPP Member with foundations of privacy, knowledge of GDPR, CCPA and others.

Owner and Operator of a 20 unit lodge and restaurant. Manage day to day operations.

257 Park St. Newland Nc 28657

Started law office of general practice.Advising small businesses, contracts, leases, Criminal misdemeanors, juvenile parent representation, family law, child custody and support, estate planning and administration.

Boone, North Carolina

Certified legal intern, practice law under the supervision of another attorney. Argue motions to suppress, dismiss, and other motions for the state prosecutor. Assisted with witnesses and worked with law enforcement to ensure justice for crimes committed.

Banner Elk, Nc

Banking Center Manager (BCM) was responsible for managing a medium size consumer banking center. BCM was responsible for leading, managing and coaching a team of sales and service professionals to meet and exceed sales targets, ensure the operational excellence of the banking center and create an excellent customer experience. BCM acts as 'general manager' and is responsible for executing the One Team model by ensuring collaboration between banking center teammates and on-site specialists. BCM demonstrates critical behaviors to drive banking center success. BCM ensures customers' needs are met by executing lobby leadership. Observe the banking center team in action through the eyes of the customer. Supervise and coach teams on the proper execution of key banking center plays. Communicate with consumer market managers, conduct performance assessments, and update staff on business developments. Manage all aspects of a successful business including resource management, operational excellence, managing partnerships, associate development and proficiency, building and retaining customer relationships. Proactively identify and manage risk in every business, product, and service transaction leveraging the Risk Framework. Create workforce stability by cultivating an engaged and well-coached team. Demonstrate and model Bank of America core values. Understand and live the values that support our culture. Treat all customers equally and fairly. Adhere to policies and procedures. Stay informed of key priorities and business updates. Execute sales and service plays and processes.

Provide mortgage brokers with Wells Fargo products to aid customers in obtaining home loans. Council mortgage brokers in the latest industry updates and products. Outside sales of mortgage loans to licensed brokers and other banks. Extensive knowledge with FHA, VA, USDA, Conventional, Non-Conforming loans and the process to close a loan through mortgage brokers and banks. Maintain a personal pipeline each month of 4 - 10MM loans closing. Sales calls to broker offices, small banks, and other professionals. Training on systems and assistance working with the processing centers.

Raleigh-Durham, North Carolina Area

Underwrite consumer mortgage loans to investor requirements. Junior mortgage underwriter position. Review loan documentation and ensure accuracy within the loan application. Review appraisals, tax documentation, and other loan documents. Communicate with mortgage brokers regarding current pipeline. Assist outside sales executives with loan applications all the way to closing. Maintain and manage a pipeline containing 20-40MM dollars any given month. Communicate with other departments to ensure smooth flow of loans.

Encinitas, Ca

Provide banking services to customers. Open checking, savings, money market accounts, home equity loans, insurance. Council customers in the newest products to help grow there money. Personal banker for consumer business. Small business and consumer banking operations. Temporary manager when bank manager was absent. Sales of home loan products, personal finance products as well as depository account management.

Oceanside, Ca

Outbound sales calling on retail accounts held with department stores and other retail stores. Home mortgage sales as well as household financing including credit cards, personal loans, car loans and other unsecured and secured loans to consumers.

Juris Doctor (J.D.), American/U.S. Law/Legal Studies/Jurisprudence, Top 5 In Class

Activities and Societies: Senior Editor - Law Journal, Mock Trial Team Member, Phi Delta Phi Legal Honor Society/Fraternity, Phi Alpha.

Bs, Criminal Justice And Information Systems

Activities and Societies: AITP, ACJA

As, General Education

Activities and Societies: Basketball Team Captain, Math Lab Tutor.