Yale Wolf Email & Phone Number

399 Boylston St, Ste 200 Boston Ma, 02116

I am an Originating Manager at Guaranteed Rate Affinity. NMLS# 62965. Guaranteed Rate Affinity NMLS# 1598647. At Guaranteed Rate Affinity, we provide the best experience possible, featuring incredibly low rates, fantastic customer service and a fast, simple process! Guaranteed Rate Affinity NMLS 1598647 1800 W. Larchmont Ave., Chicago, IL 60613 (888) 844-9888 • grarate.com Equal Housing Lender For licensing information, go to www.nmlsconsumeraccess.org www.grarate.com/licensing | www.grarate.com/privacyMA: MLO62965 • NH: Licensed by the New Hampshire Banking Department • RI: Rhode Island Licensed Lender

Lexington, Massachusetts, United States

Lexington, Massachusetts, United States

Massachusetts, United States

I am an Originating Manager at Guaranteed Rate Affinity NMLS# 62965. Guaranteed Rate Affinity NMLS# 1598647.At Guaranteed Rate Affinity, we provide the best experience possible, featuring incredibly low rates, fantastic customer service and a fast, simple process! Operating in the state of New York as GR Affinity, LLC in lieu of the legal name Guaranteed Rate Affinity, LLC. For licensing information, go to www.nmlsconsumeraccess.org Guaranteed Rate Affinity NMLS: 15986471800 W. Larchmont Ave ., Chicago, IL. 60613888-844-9888 * grarate.comEqual Housing Lenderwww.grarate.com/privacyGeorgia Residential Mortgage License

Waltham, Ma 02453

Waltham, Massachusetts

Waltham

I pride myself with working with my clients to obtain the best loan products for their needs. I specialize in purchases, refinances, Equity Lines of Credit, or those outside the box type scenario loans.

Auburndale Ma

I am a specialist of outside the box type loans in the Boston area with quick closing times. We service all our loans in house and I have direct access to underwriting and processing.

Auburndale Ma

· Ensure that the banks commercial and residential portfolios data is accurate and up to date.· Manage construction budgets, inspections and advances for the banks commercial portfolio.· Manage Cashiering, Investor Accounting, and wires while making sure remittances and postings are timely.· Manage collections department and produce delinquency reports for the monthly board meetings.· Prepare RFP’s for outsourcing certain functions for our servicing team to become more efficient and cost effective.· Manage the servicing team as well as improving communication between origination as well with the attorney’s.· Implemented new procedures while also training the team on how to be more efficient when utilizing the systems.· Manage escrow accounts which include Hazard Insurance, Flood Insurance, PMI, and taxes.· Run Quality Control on booked loans as well as recorded loans to make sure UCC’s are recorded accurately.· Book loans onto the core banking system for tracking as well as managing the discharge process.· Implemented new middleware to import loan data from the LOS system to our core banking system.· Worked with origination to make sure all closing documents are compliant and abide by RESPA.· Originate Mortgages, Home Equity Lines of Credit, and Auto Loans· Created a baseline for our QC department to check all closing documents and originations documents. · Created exception reporting for our loan portfolios using canned reports from FISERV. ACHIEVEMENTS:Helped the bank with the implementation of a middleware program that was able to scrape the data from a XML file to be able to fill in the necessary fields on the core system which was able to take 45min off the time it takes to book a loan. Also I was able to set up templates for GL reconciliations to streamline the process between our accounting application and Fiserv for the accounting department.

Wayland Ma

•Ensure that all Payables and Receivables are current and are represented in the Cash Flow.•Prepare budgets and forecasts for the CEO and Governing Agencies.•Manage a team of 4 in Cashiering and Investor Accounting while making sure remittances and postings are timely.•Prepare and Process company payroll on a bi -weekly basis.•Prepare State Licensing cost analysis by client to make sure we have profitability in the states we do business in.•Solve reconciliations of our client’s custodial accounts while training the staff how to solve the discrepancies.•Ensure the balance sheet is accurate by doing daily and weekly audits on the financials.•Complete AD HOC reporting for the CEO and Clients.•Complete monthly remittances to our client’s investors while also managing wires coming in to the company.•Prepare invoices and billing for our clients and solve routine discrepancies. •Work with the CEO on various contract issues, while assisting in writing new contracts regarding new business.•Prepare and complete cost analysis pricing for new clients and negotiate pricing and contract terms•Assist the marketing team with new initiatives to create new business and create new services our company can provide. •Subservice portfolio loans while keeping record on the FISERV System •Worked with the IT department to streamline the loan boarding process and interactions with clients. ACHIEVEMENTS:Helped the company save $120,000 over the course of my tenure by evaluating the companies needs and expenses through analysis and communication with staff and executives. Also was able to streamline the billing process, remittances, and posting of payments through the FISERV system. I was able to help the company create a new entity by utilizing the platform and knowledge of the lending business.

•Support Functional Finance Management.•Prepare financial reporting in budget and forecast for publication in the UK.•Work with project teams to ensure compliance with the bank.•Prepare compliance analysis for the United Kingdom and the Americas.•Solve routine accounting and reporting problems for the United Kingdom and the Americas.•Ensure the balance sheet and costs are accurate and reported any variances in each to cost center.•Complete basic accounting exercises for assigned divisions within RBS.•Coordinate analytical reports between Project Managers and Analytical Team.•Prepare inter company invoices and billing for European teams and solve routine discrepancies. •Complete accrual and re-classification process.•Prepare and complete the accounts payable and receivable process for all the supported divisions.•Prepare the Business Continuity Plan for the Finance team and solved all compliance issues. ACHIEVEMENTS:Helped streamline the business processes between operations and project managers which made the reporting to the United Kingdom and the America’s easier. As a result, reporting protocols are the same between the United Kingdom and the America’s. Designed a new compliance structure. Also designed the Americas balance sheet to match the UK’s to have transparency in both.

New York, New York

•Solved routine accounting and reporting problems.•Prepared studies and reports in areas of budgets, forecasts, and financial plans.•Supported databases for use in analyzing future plans and forecasts.•Made recommendations to management regarding cost saving or profit generating opportunities as well as profitability improvement strategies.•Consulted with the accounting department to help streamline the coding process for contractor employees.•Managed Integration Spending between Morgan Stanley and Smith Barney.ACHIEVEMENTS:Helped redesign integration budget file to create greater transparency on spending as it pertained to headcount. It enabled Morgan Stanley to keep a more accurate account of their spending.

New York, New York

•Managed a team of 15 Loan Officers.•Originated FHA/VA loans•Trained my team on FHA, VA, FNMA, and FHLMC guidelines.•Calculated Profit and Loss for my branch team.•Built relationships with referral sources and worked with other parts of the business to drive originations.•Calculated ROI per employee.•Consulted with clients to understand their budget and see what program that would best help their financial situation.•Executed credit risk analysis modeling for programs that have been assumed by clients.•Processed loans for branch teams and was able to achieve loan approvals for various loan vehicles.•Educated borrowers and clients on what loan products best suite their needs. •Prepared client cash flow analysis in order to calculate debt to income ratios for qualification.•Monitored loans from initiation to closing by maintaining a spread sheet of 100 accounts by maintaining communication with clients and processing while overseeing the appraisal process.•Maintained client accounts and coordinated with banks to obtain necessary payoffs and financial documents.•Assisted CMO and upper management designing and implementing marketing strategies for potential clients and investment firms, such as Lehman Brothers, Bear Stearns, Morgan Stanley, and J.P Morgan Chase.•Serviced residential loans which were within the banks portfolio.•Processed Account Payables and Receivables to all third parties.•Imported and completed payroll into the ADP system for the team.

•Prospected clients through cold calling and warm leads generated from direct mailers, and the internet.•Prospected investment banks during the start of the recession to help them get their tainted loans off their books and put into government products.•Promoted mortgage loan originations by setting up loan seminars at different unions to drive business to the bank.•Cold Called different appraisal companies and title companies to gain partnerships with the bank.•Consistently ranked among the top three in revenue.•Had an office record of 15 closed loans in 1 month in 2006 while doing 13 million in loans.•Originated over 16 Million in loans in 2007.ACHIEVEMENT: Formed and strengthened relationships with investment firms through our marketing efforts. Promoted to Team Manager. Was also recognized as a top producer for the company.

New York, New York

•Researched for new clients through different financial outlets.•Attended many network events to bring in clients to our asset management team.•Called on major corporations to peak their interest in our investing models. •Performed stock charting and profit-loss analysis for existing clients•Assisted and directed corporate sales presentations and marketing.•Had various accounting related responsibilities, including reconciling asset book with the assets. •Processing purchase orders and invoices, reconciling invoices with registered payments. •Consistently prospected Fortune 500 corporate clients to establish new investment opportunities.ACHIEVEMENT:Our Asset Management team was ranked among the top three in company.

B.S, Business Management; Accounting And Finance

Under graduate degree in finance

B.S., Finance/Businesss Management

Undergraduate degree in Finance with a minor in Legal Studies while being a student athlete.

Hs Diploma