Structure and process Construction, Renovation and NON- QM loans for Retail, Broker and TPO Clients.New Client Liaison - Initial walk through with structure of construction costs with new and existing clients by reviewing initial Encompass origination and setting expectations and requirements on the correct process to comply with GO mortgage and govt. and state regulations in accordance with all applicable requirements to process a construction and renovation loan.Work with internal operational team to develop best practices on new and existing processes and core competencies to better develop strong practical ways to streamline all processes more effectively and increase client satisfaction throughout the loan process.Reviewed and evaluated construction documentation for Construction Risk Review to ensure that all construction and renovation documentation against FHA, VA, USDA and Fannie program requirements and industry standards for the final loans to be closed, purchased and or secured.Managed a pipeline of wholesale and retail active loans of 50 to 85 active loans with an avg. monthly closing total of $11 million in 2022 and $15 million in 2021 in New Construction.Proficiency with Ellie-Mae Encompass Originating System.

Coached and mentor a staff of 2 managers and 15 associates. Daily coaching and training associates on customer service, merchandising and taking ownership of store responsibilities. Currently up 14% year to date over plan and 48% over last year. Recognized for #1 store growth for NE region to plan and over LY.

 Structure and process new construction to permanent loans for new and existing clients. Responsible for capturing new and potential clients to increase originations of new loans Expand and Train new and existing clientele on the correct process to comply with FGMC regulations as well as govt. and state regulations in accordance with all applicable requirements to process a new construction loan. Work with internal team to develop best practices on new and existing products, processes and core competencies to better develop strong practical ways to streamline all processes more effectively throughout the entire construction loan process. Proficiency with Ellie-Mae Encompass Originating System.Key Accomplishments: Worked with the pre-purchase team to reduce the turn time of funding into purchases from an original 4 to 6 weeks to an average of 1 to 3 weeks by effectively communicating with the clients and implementing new processes. Succeeded in having the lowest cycle time within my team for loans to be issued a CTC with an average of 49 days from initial submission by working with correspondents and brokers. Have received positive feedback from clients customer satisfaction and accolades from managers on production turn times, funding’s, CTC turn times and minimizing aged loans.

 Lead a team in finance and operations to ensure that sales transactions, customer payments, underwriting and collection activities are properly performed in accordance with company operations procedures and all state applicable laws Increase store profitability through customer relationship, development, community involvement, marketing, soliciting new business sources, employee training and managing all store operating expenses Coach, lead and develop all team members to maximize their performance potential Direct, prioritize, delegate and supervise the work of all store employees Determine and/or approve loan values based off of a comprehensive vehicle appraisal Interview and hire qualified candidates, as well as train current staff on company policies and operational procedures Prepare and analyze company reports and communicate information necessary to various levels of managementKey Accomplishments: Reduced charge off accounts from 11.3% to 2.27% in 6 weeks creating a higher store profit by building a strong rapport with the customers Reduced total delinquency in accounts from 48% to 26% through customer relations Partnered with 9 local businesses to help cross promote business concepts that led to new client services Grew business by $42,000 in the first 8 weeks by maximizing loan potential

 Led a team of 3 department managers and 42 workers and maintain a 50,000 square foot office space. Lead corporate initiatives, such as driving key items the company promotes as special buys. Establish operational objectives and work plans and delegate assignments to subordinate managers. Complete performance reviews each quarter, offering praise and recommendations for improvement. Conduct weekly profit and inventory analysis and incorporate findings by coaching and training managers and associates on opportunities for growth in sales and operations.Key Accomplishments: Helped the company earn a customer satisfaction rating of 93% from promoting the Sears.com website by achieving a store satisfaction rating of 96% or better every month, ranking 34 out of 1,800 throughout the company. Location ranked 5th in the company for achieving high cross-sell statistics. Reduced overtime by 15% by revising work schedules to meet business needs during peak hours