Scott D. Sammons Email & Phone Number

Top 5 nationally in most sales categories in 2008, including: Revenue: 132% of planDIA: .088%, 109% of planNew Accounts: 108, 180% of planIncreased revenue and exceeded sales goals by creating and managing a step-by-step action plan that included prospecting activity, networking, scheduling, and time managementConsulted with merchant clients on all aspects of their business, including marketing and forecasting, to help them build and grow their businesses Gathered information by asking effective, intuitive, thought-provoking questions and actively listened to identify client needsDeveloped solutions for client needs by using critical thinking and problem solving skillsExplained equipment and product offerings by developing and delivering clear, concise sales presentations and demonstrationsPersuasively overcame objections and maintained a positive flow in the sales cycle by listening to, addressing, and resolving concernsCreated and ensured win-win situations for all parties concerned by listening, discovering goals, preparing, and negotiating terms and conditions within parameters Prepared and presented proposals to potential merchant clients, using DIA and revenue factoring to ensure profitUsed effective networking strategies to form professional partnerships with Chambers of Commerce, association groups, civic organizations, financial planners, CPAs, attorneys, and other professional referral sourcesPromoted a teamwork atmosphere with a positive attitude and forward thinking by relating motivational stories and quotes to inspire and motivate fellow salespeople

•Ensured compliance with federal, state, and bank lending regulations•Completed numerous banking and mortgage related classes and webinars, listed below•Demonstrated proficiency in accounting principles and evaluating personal and corporate financial statements and tax returns•Managed and monitored a $10 million loan portfolio •Managed all aspects of commercial lending for construction, property rehab, investment properties, and small business lines of credit, including:•Proficiently performed loan underwriting and credit evaluation on loans as high as $1.5 million to ensure internal lending guidelines were met•Review of blueprints and inspection of property to ensure viability of project•Ordered and reviewed appraisals to ensure value of project and validity of comparables and approaches used were within acceptable parameters and standards•Accurately prepared Sworn Construction Statement and Certificate of Total Project Costs, as well as other internal documentation•Closed loans accurately and efficiently by reviewing and analyzing all loan documents, reconciling HUD-1 and GFE, and reviewing title documents•Inspected property for construction progress, reviewed and completed draw requests and disbursed draw funds, ensuring lien waivers were completed accurately and signed•Modified construction loan to permanent financing upon completion of construction•Origination of secondary market mortgage loans for purchase, refinance, and equity loans•

Managed all aspects of residential mortgage loans from start to finish, including:•Performed underwriting of mortgage loans to ensure Fannie Mae and internal lending guidelines were met by gathering appropriate documentation; analyzing credit reports, financial statements, and tax returns; and calculating ratios•Processed mortgage loans by gathering information and documentation from borrowers, verifying income, employment, and assets, and ensuring all underwriting guidelines were met•Closed loans accurately and efficiently by reviewing and analyzing all loan documents, reconciling HUD-1 and GFE, and reviewing title documents•Packaged closed mortgage loans for sale to servicing lender by ensuring funding was secured and disbursed properly, all documentation was correct and organized in requested order, and shipped within requested deadlines•Accurately reconciled wire transfers received from servicing lender to ensure proper funds were received and distributed into proper general ledger accounts•Supervised loan administration assistants to ensure timely and accurate preparation and processing of loan documents from loan origination to loan closing to post-closing reconciliation and packaging activities•Worked with borrowers to restructure and modify loans to mitigate loss and prevent foreclosure•Consumer lending for auto, home equity, and secured and non-secured personal loans•Used effective networking strategies to form professional partnerships with Chambers of Commerce, association groups, civic organizations, financial planners, CPAs, attorneys, and other professional referral sources

Originated mortgage loans for refinance and purchase loans, mostly in the subprime area

Top sales volume producer 6 out of 12 months, and overall top sales volume producer for the fiscal yearTrained other salespeople in improving their sales skills by evaluating them, going on sales calls with them, classroom training, and one-on-one mock sales interviews Used different leadership styles to motivate and lead others by discovering their goals, assessing their personality, and uncovering what motivated themPromoted a teamwork atmosphere with a positive attitude and forward thinking by relating motivational stories and quotes to inspire and motivate othersPresentation and sales of construction materials for remodelingEstimated job costs, supervised job sites during constructionCoordinated financing by restructuring mortgages to include improvement costs and debt consolidation, presented loan documents for approval, and assisted in loan closings

Business Management

Health And Human Performance, Business

General Education

General Education

Education record

Diploma