Dynamic and results-motivated Corporate Banking/Lending Executive eager to contribute operations, sales, and team leadership proficiencies toward supporting the employer in optimizing bottom-line performance. 

 

 

Offering 14 years of cross-functional experience in both loan operations and sales with adeptness throughout the complete loan life cycle. Diligently and continually analyze business operations to maximize competitive positioning, identify opportunities for revenue growth and process improvements, ensure and optimize sustainability, and achieve exemplary levels of customer satisfaction.  Outstanding blend of strategic thinking, problem solving, communication and interpersonal skills. Technically-astute and incisive with advanced knowledge and awareness of lending rules, regulations, and products. 

 

Key Achievements:

 

         Championed a series of improvements at Wachovia to boost operational efficiency and fortify customer service quality.

         Achieved team cohesiveness, expedited loan closing turnaround time, and met all deadlines by proactively devising and distributing daily reports to all departments at Wachovia.

         Led team in originating 3,408 FHA government applications and 436 Conventional applications in less than one year at Wachovia.

         Successfully secured new business with little or no existing retail client base and ranked among top 10% of performers, administering average pipeline volume of $2M per month at US Bank.

         Awarded for excellent origination achievements in December 2007, January 2008 and March 2008.

         Strengthened operational efficiency by 65% in less than one year at Pacific National Bank.

         Innovatively formulated new business model at Fremont and introduced new Wholesale channel which rapidly closed $55M within first three months of launch.

         As prior Retail Loan Operations Manager for Fremont Bank, orchestrated efforts to boost production from 350 loans per month to an average of 3,000 loans per month.

 

 

Wachovia/Wells Fargo Bank, San Leandro, CA, 2008 to 2009

Site Pipeline Administrator / Team Leader       (2009)

         Spearheaded seamless movement of 2,100 loans through processing, underwriting, closing and funding and submitted weekly forecasts to senior-level management.

         Steered consistent compliance with company policies, procedures, conforming and FHA guidelines, and regulatory requirements.   

         Applied sharp leadership talents toward directing, motivating and leading team of three underwriters, three processors, two closers and two funders in servicing specialized lending pipeline.

 

Team Lead Counselor / Sales Manager         (2008 to 2009)

• Contributed excellent mentoring abilities to train, supervise, coach and direct 11 mortgage loan consultants in originating refinances for legacy World Savings Pick-A-Payment Portfolio into saleable conventional and FHA products.
• Managed productive and quality-focused team in supporting 1,290 customer service calls.
• Accurately prepared daily call reports for sales team of 75 mortgage loan consultants.

 

Continued ►

 

 

Professional Experience continued                                                     Yyyyyy x. yyyyyy ~ Page 2 of 2

 

US Bank, Concord, CA, 2007 to 2008

Mortgage Loan Consultant

• Expertly originated home loan applications spanning Conventional, Government FHA and VA, Conforming Jumbo Government FHA and VA, Land, Construction, Home Equity Lines of Credit and First Time homebuyer loans through personal referrals and six retail banking branches.

 

Pacific National Bank, San Francisco, CA, 2006 to 2007

Consumer Lending Operations Manager

• Strategically overhauled operational workflow and pipeline to accelerate loans through processing, underwriting, closing and funding for an average of 500 Home Equity Lines of Credit, Home Equity Loans and Overdraft protection loan applications monthly.
• Significantly elevated productivity by hiring, training, coaching and managing four underwriters, four processors, two closers and two funders.
• Effectively developed 54 personnel dispersed among 18 branches in originating bank s consumer lending products. 
• Played a lead role in facilitating comprehensive loan system conversion and served on Community Reinvestment Act committee.

 

Fremont Bank, Hayward, CA, 2001 to 2006

Loan Operations Manager / Wholesale Lending Manager / Sales and Operations

• Leveraged solid human resources expertise to hire, train, manage, empower and evaluate eight sales personnel, eight conventional underwriters, eight processors and five funders. 
• Administered full-scope training to 54 employees from 18 banks as well as 100 mortgage brokers in originating Fremont Bank s No Closing Cost, standard Conventional and Jumbo products.
• Directed and supervised marketing personnel in designing informative and compelling marketing materials for Wholesale clients.
• Held underwriting approval authority of $650K in investor products.
• Expanded market share by piloting new Wholesale programs, guidelines and pricing sheets.
• Exercised considerable resourcefulness to develop and institute Wholesale online loan origination website translating to paperless applications and increased productivity.
• Rapidly advanced from role as Retail Loan Operations Manager (2001 to 2002).

 

 

Microsoft Office (Word, PowerPoint, Publisher, Excel), Goldmine, Lotus Notes, WEBEX online presentation, Genesys, Fannie Mae Desktop Underwriter, Freddie Mac Loan Prospector, Countrywide CLUES/CLOUT Underwriting, Crystal Reports, Visio, IMPACT, Metavante, DataTrac, LoanSoft Studio Agent, BankerInsight, EasyLender Fiserv, Catalyx Point, ITI Banking, Doc Magic and Laserpro document drawing systems.

 

 

CalHFA (California Housing Finance Agency) Certificate C US Bank, 2007

Situational Management Training C Wachovia, 2009

Mortgage Bankers Compliance Group Training C 2001 to 2007

 

 

Board Member/Vice Co-Chair, Under One Roof (Non-Profit Organization), 2007 to 2009

 

 

 

 

 

 

 

Date

 

 

 

Hiring Agent Name

Title

Company Name

Address

City/State/Zip Code

 

Dear__________________:

 

I am currently seeking a challenging career opportunity in a <insert job title/position> capacity and am submitting my resume for your review.  In advance, thank you for your time and consideration.

 

As indicated in the accompanying resume, I bring to you a significant background in the lending industry, polished expertise in sales and operations management, and solid experience in compliance, staff training and development, and driving process improvements which appreciably boost production. To complement these qualifications, I offer exemplary organizational, prioritization, presentation and relationship-building skills which are essential in an <insert job title/position> role.  

 

As a proactive contributor to your organization, you will find me to be a driven professional and stellar leader committed to supporting you in achieving your objectives through superior performance and initiative. I am confident that I could be a valuable asset to <insert name of organization>, and look forward to interviewing with you in the near future.

 

Sincerely,

 

 

 

Yyyyyy x. yyyyyy