• From initial disclosures to post closing, proactively serve as the conduit for keeping loans moving to a quick and seamless closing by strengthening lender relationships, channeling organization and communication skills, as well as staying current with industry knowledge•Quickly gained traction to become a top producer within months by being proactive, knowing the business, and by engaging with my A/E’s, business partners, and third party originators.•Built solid relationships with disclosures, set-up, sales, ops, underwriting, closing, post-closing, and management•Active pipeline is 80-100 loans

• Highly successful in identifying and capturing key merchants using skills such as canvassing regional contractors, actively engaging at trade shows, conducting internet research, soliciting referrals, cold calls, and by continually representing my company in all walks• Develop, maintain, and prioritize solid relationships with merchants thus building a substantial network of high-value clients• Key contributor towards the development and navigation of strategies to enhance existing operational platforms, go-to-market plans, sales training tools, and analytics• Perform triage and problem-solving duties 24:7 on behalf of home improvement contractors needing immediate assistance in the field• Create and present tailor-made detailed sales finance training to new merchants either in person, by phone, or by webinar

• Generated sales of consumer retail banking products to prospective and existing clients• Leveraged partnerships with business managers, investment advisors, mortgage specialists, and transaction coordinators• Consistently exceeded individual and team goals• Provided world-class service with proactive and timely communication with clients in addition to exercising tenacious problem-solving skills• Executed sound risk management and audit plans to ensure loss prevention• Served the local community on many civic leadership levels

• High producer of Conventional, FHA, VA, and Jumbo mortgage loans through sources such as builders, real estate professionals, referrals, and personal sphere of influence• Analyzed complex financial documents to create an overall summary of the borrowers’ net worth, sustainability, and risk• Subject matter expert in HARP lending• Ensured exceptional customer service by consistent communication and by maintaining thorough knowledge of lending programs, policies, procedures and regulatory requirements, demonstrating a commitment to professional ethics, complying with all Federal and State compliance policies as well as adhering to HMDA requirements

• Engineered and orchestrated the credit originations unit within the home improvement business of Sears Holdings Corporation• Constructed a compliance-driven consumer loan contact center to facilitate loan applications, provide unwavering credit support to the sales field, and process credit card authorizations• Grew the credit business from $35MM to $900MM net annual sales and a credit team from 6 to over 100 associates• Negotiated, established and nurtured critical partnerships with national lenders, constantly collaborating to streamline decisioning models to maximize credit approvals/pull throughs while minimizing bad debt• Produced all credit training aids including SOP manuals, sales training videos, webinars, how-to’s, and updates• Performed national and regional level presentations to large audiences regularly• Collaborated with the I/T team to write, update, and consistently improve credit software, interfaces, and improve hardware• Wrote and designed PCIDSS training and compliance. As subject matter expert for Sears, was responsible for consistent above-average pass ratings• Drove a successful 18 month corporate-wide Customer Experience Mapping initiative with a high-level goal of understanding and improving customer experiences from all channels and at every touch point• Responsible for industry low collections and bad debt write-off < 1%