Associates Financial Services
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Associates Financial Services Employees
Self Employed December 2014 - May 2015
Kilpatrick's Rose-Neath Funeral Homes June 2008 - December 2014
James, Hardy, & Haley, CPAs December 2007 - June 2008
J. Graves Insulation Co., Inc. July 1997 - May 2004
Associates Financial Services August 1992 - February 1995
Skills
Retail, Training, Profit, Human Resources, Accounting, Account Management, Financial Accounting, Funeral Homes, Funerals, Cemeteries, Financial Reporting, Financial Analysis, Cost Accounting, Inventory Management, Accounts Payable, Accounts Receivable, Account Reconciliation, General Ledger, Office Management
Education
Elizabethtown Community and Technical College
Louisiana State University in Shreveport
US Bank December 2010 - Present
Citifinancial 2001 - 2010
Associates Financial Services July 1994 - December 2000
Skills
Risk Management, Financial Analysis, Management, Branch Management, Executive Management, Commercial Banking, Recruiting, Change Management, Employee Training, Sales, New Business Development, Real Estate, Strategic Planning, Cross Selling, Commercial Lending, Leadership Development, Credit Analysis, Project Management, Account Management, Training Delivery, Loans, Retail Banking, Consumer Lending, Credit, Small Business Lending, Banking, Refinance
Education
Ball State University 1991 — 1994
Criminal Justice
US Bank Home Mortgages July 2015 - Present
First State Bank September 2008 - July 2015
First Fidelity Mortgage February 2003 - June 2008
Associates Financial Services 1992 - 2001
Skills
USDA, Mortgage Banking, Mortgage Lending, FHA, Loans, Refinance, VA loans, Loan Origination, Credit, Residential Mortgages, FHA financing, Investment Properties, HUD, Finance, Property, Consumer Lending, VA Loans
Education
Austin Peay State University 1986 — 1987
Business
Cumberland University 1985 — 1986
physical therapy
Dickson County High School
Residential Wholesale Mortgage, Inc. December 2014 - Present
Fannie Mae October 2008 - 2014
UMTH, Investwell 2007 - 2008
Fairbanks Capital September 1999 - May 2001
FirstPlus Financial September 1996 - August 1999
Associates Financial Services 1987 - 1996
Skills
Portfolio Management, Fixed Income, Due Diligence, Asset Management, Capital Markets, Derivatives
Education
The University of Kansas
Public Administration
The University of Texas at Arlington
Bachelor's degree, Public Administration
City of Gahanna, Ohio August 2003 - Present
City of Gahanna July 2000 - August 2003
H.R. OPTIONS, INC June 1999 - July 2000
ASSOCIATES FINANCIAL SERVICES January 1995 - June 1999
Children's Hospital November 1994 - January 1995
Nationwide Insurance October 1984 - October 1994
Skills
Payroll, Accounts Payable, Account Reconciliation, Outlook, Administrative..., Garnishments, Government, Accounting, Administrative..., Benefits Administration, Employee Relations, Employee Training, Invoicing, Leadership, Management, Policy, Process Improvement, Project Planning, Public Speaking, Strategic Planning, Training
Education
Franklin University 2007 — 2012
Franklin University
Mortgage Settlement Closing Services May 2009 - January 2015
Mortgage Lenders Network October 2000 - September 2007
The Money Centre Inc. (TMCI) December 1996 - April 2000
Associates Financial Services 1994 - 1996
Skills
B2B, Business Relationship..., Cold Calling, Client Assessment, Sales Prospecting, Business Management..., Project Development, Market Evaluations, Closings, Salesforce.com, Project Management, First Time Home Buyers, Business Development, Account Management, Leadership, Strategic Planning, Sales Management
Education
University of Louisville 1987 — 1993
B.S, Business/Education
American Equity Mortgage September 2014 - June 2015
New American Funding September 2013 - August 2014
Shelter Mortgage April 2013 - August 2013
Clayton Holdings March 2011 - April 2013
FirsTier Bank - Englewood, CO. October 2010 - January 2011
Quite A Few March 1995 - November 2005
Associates Financial Services 1980 - 1995
Skills
Loans, Mortgage Lending, Foreclosures, Loan Origination, FHA, Mortgage Banking, Residential Mortgages, Loan Servicing, Refinance, USDA, Mortgage Servicing, Loss Mitigation, Credit, Underwriting, Investment Properties, First Time Home Buyers
Education
Oklahoma State University-Oklahoma City 1979 — 1983
Economics and Accounting
Associates Finacial Services Corporatio DirectorAssociates Financial Services1972 - 2002
Associates Financial Services 1972 - 2002
Skills
Banking, Commercial Banking, Mortgage Lending, Risk Management, Residential Mortgages, Loan Origination, Credit, System Administration, Credit Cards, Consumer Lending, Loans, Retail Banking, Portfolio Management, Operational Risk, Credit Risk, Financial Risk, Mortgage Banking, AML, Relationship Management, Credit Analysis, Underwriting, Lines Of Credit, Financial Services, Refinance, Mortgage Underwriting, Loan Servicing, Finance, Commercial Mortgages, Loss Mitigation, Mortgage Servicing, Construction Loans, Commercial Lending, Executive Management, FHA, Asset Management, Small Business Lending
Education
Lorain County Community College 1965 — 1967
Associate's degree, Art/Art Studies, General, 3.0
various start-ups 1982 - Present
Self September 1984 - June 2007
Associates Financial Services August 1964 - September 1984
Skills
Entrepreneurship, Social Media Marketing, Online Advertising, Marketing Strategy, Social Media, Online Marketing
Education
Ricks College 1958 — 1959
Orion Financial Group, Inc. July 2001 - Present
Citigroup 2000 - 2001
Associates Financial Services 1994 - 2001
Skills
Management, Finance, Consulting, Start-ups, Business Development, Mortgage Banking, REO, Advertising, P&L Management, Small Business, Financial Services, Banking, Mortgage Lending, Public Speaking, Strategic Planning, Executive Management, FHA, Loans, Loan Origination, Subprime, Leadership, Mortgage Servicing, Residential Mortgages, Customer Service, Credit, Personnel Management, Loan Servicing, Refinance, Loss Mitigation, Funding, Real Estate Financing
Education
Ohio University 1979 — 1984
BSC, Organizational Communications
Dublin High School
Endeavor America November 2013 - Present
American Financial Resources June 2009 - November 2013
Washington Mutual November 2007 - April 2008
HSBC/Decision One Mortgage September 2004 - September 2007
Washington Mutual Bank February 2001 - September 2004
The Money Store / First Union National Bank January 1998 - August 2000
Associates Financial Services September 1995 - December 1998
Skills
FHA, Refinance, Loans, Mortgage Lending, Credit Analysis, Mortgage Banking, Finance, Real Estate, USDA, REO, Underwriting, Banking, Foreclosures, Loan Origination, Portfolio Management, Residential Mortgages, Credit, FHA financing, VA loans, Government Loans, VA Loans, FHA Financing
Education
California State University-Sacramento
Mira Loma
Cardinal Financial, LP September 2014 - Present
BB&T March 2005 - September 2014
Narfe Premier Federal Credit Union January 2000 - January 2005
Associates Financial Services August 1994 - January 2000
Skills
Mortgage Lending, FHA financing, USDA financing, Construction to..., VA Loans, Excellent Organization..., Excellent Communication..., First Time Home Buyers, FHA, Wealth Management, Retirement Planning, Loans, Mortgage Banking, Residential Mortgages, Consumer Lending, Construction Loans, Government Loans, Home Equity Lines of...
Education
George Mason University 1989 — 1993
Psychology
HMG HEALTH MANAGMENT GROUP March 2014 - Present
Republic Mortgage January 2013 - December 2013
THE MONEY CONNECTION , INC June 2001 - January 2013
ASSOCIATES FINANCIAL SERVICES March 1995 - June 2001
FIRST MERIT BANK April 1991 - March 1995
Skills
FHA, Refinance, Investment Properties, First Time Home Buyers, Mortgage Lending, Real Estate, USDA, REO, Referrals, VA loans, Mortgage Banking, Loan Origination, FHA financing, Residential Mortgages, Real Estate Financing
Education
The University of Akron
First Service Residential December 2014 - April 2015
Cardinale Enterprises December 2006 - August 2014
The Center for Orthopedics and Sports Medicine January 2001 - November 2006
Ring Time, Inc. March 2001 - June 2002
D2M Solutions, Inc. November 1999 - March 2001
First Commercial Corp November 1998 - September 1999
Avco Financial Services June 1997 - March 1998
Associates Financial Services July 1991 - December 1996
Avco Financial Services February 1980 - May 1991
Skills
Property Management, Lease Administration, Tenant, Leases, Sage Timberline Office, Microsoft Office, QuickBooks, Lease Negotiations, Corporate Real Estate, Landlords, Rent Roll, Sage 300 CRE, Accounts Payable, Accounts Receivable, Financial Statements, CAM Reconciliation, Contract Negotiation, Bank Reconciliation, General Ledger, Sales & Use Tax, MS Excel Pivot Tables, Peachtree, ADP Payroll, Collections, Invoicing, Job Costing, Intercompany...
Education
New Jersey City University 2013 — 2015
Bachelor’s Degree, Accounting, 3.9
Brookdale Community College 2011 — 2013
Associate of Arts (AA), Business Adminstration/Accounting, 3.94
Dutchess Community College 1978 — 1979
Communication and Media Studies
Experian September 2014 - Present
Real Estate Broker/Owner; Independent Contractor December 2000 - April 2014
Associates Financial Services September 1971 - September 2000
Skills
Real Estate, REO, Short Sales, Sellers, Mortgage Lending, Residential Homes, HUD, Relocation, Loan Origination, Condos, Single Family Homes, Investment Properties, Foreclosures, First Time Home Buyers, Buyer Representation, Underwriting, Listings, Investors, Townhomes, e-PRO, SFR, FHA, Seniors, New Home Sales, New Homes, Brokerage, ABR, Real Property, Referrals, Seller Representation, Vacation Homes, Luxury, Buyers, Council of Residential..., Property, Waterfront, Resellers, National Association of..., Income Properties, Listing Homes, CDPE, Move Up Buyers, Property Management, Real Estate Marketing, First Time Home Sellers, 1031 Exchanges, Relocation Buyers, First Time Sellers, Rentals, Vacant Land
Education
North Lake College 1997 — 1999
Dallas Tx Business & Marketing
Carman High School
Diploma
Integrity Builders of Iowa / Coldwell Banker February 2009 - Present
Wells Fargo Home Mortgage March 2012 - December 2013
First Integrity Financial Group December 1999 - June 2008
Loan Star Mortage April 1994 - September 1999
Associates Financial Services April 1993 - April 1994
ITT Financial Services January 1988 - April 1993
Skills
Leadership, Management, Mortgage Lending, Real Estate, Business Development, Sales, Customer Service, Contract Negotiation, Coaching, Portfolio Management, Time Management, Real Estate Transactions, Investment Properties, Mortgage Banking, Underwriting, Loans, Residential Homes, Team Building, Short Sales
Education
Canterbury University 1990 — 1995
Bachelor of Business Administration (BBA), Business Administration, Real Estate Management
Des Moines Area Community College 1983 — 1985
Dallas Center-Grimes High School 1978 — 1982
First Tennessee Bank 2011 - Present
First Tennessee Bank August 2003 - 2010
American General Finance March 2003 - August 2003
The Mortgage Outlet, Inc. October 2002 - February 2003
First Tennessee Bank 2000 - September 2002
Associates Financial Services 1987 - 2000
Skills
Leadership, Strategic Planning, Operations Management, Sales Management, Loans, Small Business Lending, Credit, Banking, Mortgage Lending, Consumer Lending, Credit Analysis, Lines Of Credit, Loan Origination, Underwriting, Relationship Management, Commercial Lending, Refinance, Executive Management, Finance, Mortgage Banking, Team Leadership, Management, Compliance, Recruiting, CRM, Portfolio Management
Education
University of Montevallo 1982 — 1986
Bachelor of Science (B.S.), Mass Communication/Media Studies
department of veterns affairs cleveland ohio November 2014 - Present
looking for work fin July 2013 - Present
5/3 bank November 2010 - July 2013
associates financial services 1996 - 1998
associates financial services 1996 - 1998
Skills
Business Analysis, Risk Management, Banking, Customer Service, Microsoft Excel, Microsoft Office, SQL, Financial Analysis, Project Management, Change Management, Strategic Planning, Process Improvement, Analysis, SDLC, Investments, Program Management, Java, Management, Microsoft Word, Management Consulting, Team Leadership, Sales
Education
UGA 1981 — 1996
The University of Georgia 1980 — 1983
ask, ask
merritt island high school 1977 — 1980
general
E4E Solutions, LLC. October 2011 - Present
Capital Ideas, Inc. December 2007 - October 2011
Brenrich Floors, Inc February 1999 - December 2007
Associates Financial Services 1996 - 1998
Skills
Corporate Gifts, Account Management, Project Management, Energy, Management, Trade Shows, B2B, New Business Development, Marketing Strategy, Strategic Planning, Marketing, Negotiation, Engineering, Advertising, Budgets, Microsoft Office, Small Business, Inventory Management
Education
Georgia State University - J. Mack Robinson College of Business
Accounting
Southern New Hampshire University
Accounting
Commercial Bank or Credit Union August 2013 - Present
First Federal Savings Bank May 2013 - July 2013
Mike Wilson Chevrolet, Buick, GMC 2011 - 2012
Go Chevrolet Inc. March 1998 - June 2009
Georgetown Ford February 1986 - January 1991
Movie Warehouse June 1982 - February 1986
Central Bank & Trust Company August 1977 - June 1982
Farmer’s Bank & Trust Company July 1973 - August 1977
Associates Financial Services January 1971 - July 1973
Skills
Retail Banking, Installment Loans, Employee Management, Employee Training, Team Leadership, F&I, Customer Service, Customer Retention, Compliance, Computers, Financial Reporting, Financial Analysis, Problem Solving, Good Judgement, High Energy Level, Flexible to Change, Credit Analysis, Consumer Lending, Cross Selling, Lines Of Credit, Finance, Cash Management, Banking, Insurance, Training, Commercial Lending, Credit, Loans, Management, Sales
Education
BAI 2013 — 2013
Banking, 4.0
American Institute of Banking
Banking, Banking and Financial Support Services
University of Kentucky
Bachelor of Business Administration (BBA), Business & Finance
Wells Fargo Home Mortgage May 2008 - Present
Washington Mutual Home Mortgage 2002 - 2008
Associates Financial Services June 1997 - October 2002
Skills
VA loans, Refinance, Construction Loans, FHA, Mortgage Lending, USDA, Loan Origination, Loans, REO, First Time Home Buyers, Finance, Mortgage Banking, Funding, Short Sales, VA Loans
Education
Simpson University 1993 — 1998
BA, Accounting, Human Resources Management
Umpqua Bank February 2011 - Present
Mountain West Bank October 2009 - February 2011
NationalCity Mortgage April 1998 - October 2009
Associates Financial Services 1991 - 2000
Skills
FHA financing, VA Finacing, CONV Financing, WA State Bond, USDA Rural Housing, HomePath, HomePath Renovation, FHA 203K, Commercial Financing, Residential..., HomeStep Financing, Commercial Finance, Residential Mortgages, Home Equity Loans, Certified Mortgage..., Government Loans, Real Estate Financing, Reverse Mortgages, Mortgage Marketing, Commercial Mortgages
Education
Eastern Washington University 1989 — 2002
BAB, FINC, BUS MGMT and MKTG
Spokane Falls Community College 1987 — 1989
Associate of Arts (AA), Business/Corporate Communications
Federal Home Loan Bank of Dallas April 2001 - Present
Associates Financial Services September 1975 - March 2001
Skills
Banking, Portfolio Management, Securities, Financial Services, Customer Service, Risk Management, Credit Risk, Credit Analysis, Finance, Loans, Financial Analysis, Credit, Commercial Lending
Education
Our Lady of the Lake University
BA, Management
Invacare March 1998 - Present
Associates Financial Services September 1992 - March 1998
Skills
Accounts Receivable, Forecasting, Financial Analysis, Compliance, Staff Training, Account Reconciliation, Collections, Customer Service, Excel, Oracle, Microsoft Office, Research, Testing
Education
Lorain County Community College
Associate's degree, Business/Commerce, General
Bank of America May 2014 - Present
Clearwater Neighborhood Housing Solutions November 2013 - Present
Bank of America October 2011 - May 2014
Web Credit Advisors May 2010 - August 2011
Countrywide Financial Corporation 2002 - 2007
Conseco Home Equity April 2002 - April 2003
Citigroup, Citifinancial Division, (Associates Financial Services) October 1992 - January 2002
Associates Financial Services October 1992 - January 2002
Salt inc. May 1986 - January 2001
Skills
Business Development, Risk Management, Leadership, Process Improvement, Management, Banking, Mortgage Lending, Loans, Portfolio Management, Finance, Sales Management, Loss Mitigation, Training, Forecasting, Sales, Team Building, Operations Management, Strategic Planning, Recruiting, Change Management, Strategy, New Business Development, Negotiation, Financial Services, Leadership Development, Budgets, Contract Negotiation, Underwriting, Credit, Project Planning, Loan Origination, Mortgage Banking, Real Estate, Residential Mortgages, Mortgage Underwriting, Executive Management, Credit Analysis
Education
Ohio University 1986 — 1991
Bachelor of Science, Business Economics
First Ohio Home Finance October 1996 - Present
Bank of America January 1996 - February 1997
Associates Financial Services 1992 - 1996
Citifinancial 1992 - 1996
Skills
Mortgage Lending, FHA, Purchase, Refinance, Mortgage, Loans, Mortgage Banking, USDA, VA, Loan Origination, Credit, VA loans, Leadership, Commercial Lending, Investment Properties, Credit Analysis, Residential Homes, Real Estate Transactions, Reverse Mortgages, Selling, Residential Mortgages, Underwriting, Real Estate, Commercial Mortgages, FHA financing, Finance, Real Estate Financing, First Time Home Buyers, Sales Management, Banking, Loss Mitigation, Sales, REO, Certified Mortgage..., Construction Loans, Sellers, Small Business Lending, Mortgage Underwriting, Real Estate Economics, Investors, Investments, HUD, Funding, Home Equity Loans, Loan Servicing, Government Loans, Home Equity Lines of..., Rates, Financial Structuring, Closings
Education
Miami University 1988 — 1992
Bachelor, Business, Marketing
Westerville South H.S. 1987 — 1990
Highschool Diploma
Numerica Credit Union December 2011 - Present
Banner Bank 2006 - 2011
US Bank 2000 - 2006
Wells Fargo Bank / First Interstate Bank 1989 - 2000
Rainier Bank / Security Pacific Bank 1987 - 1989
Associates Financial Services 1986 - 1987
Skills
Loans, Commercial Banking, Small Business Lending, Credit Analysis, Commercial Lending, Business Portfolio..., Management, Financial Reporting, Banking, Consumer Lending, Credit, Lines Of Credit, SBA, Underwriting, Cash Management, Financial Analysis, Mortgage Lending, Retail Banking, Treasury Management, Loan Origination, Portfolio Management, Commercial Mortgages, Construction Loans, Refinance, Financial Risk, Mortgage Banking, Credit Risk, Relationship Management, Asset Based Lending, Deposits, Finance
Education
Eastern Washington University 1983 — 1986
BA - Business Administration, Management/Finance/Communications
Spokane Falls Community College 1982 — 1983
Business Administration and Management, General
Big Bend Community College 1981 — 1982
General Studies
PennyMac May 2014 - Present
NC Office of the Commissioner of Banks October 2008 - May 2014
NC Office of the Commissioner of Banks February 2005 - October 2008
NC Office of the Commissioner of Banks September 2000 - February 2005
Associates Financial Services August 1996 - September 2000
Stony Creek Knitting Mill July 1993 - February 1996
Skills
Residential Mortgages, Mortgage Servicing, Mortgage Lending, Compliance, Complaint Management, Report Writing, Small Consumer Loans, Legislation, Statute/Rule Writing, Microsoft Word, Microsoft Excel, Regulatory Supervision, Settlement Negotiation, Government Relations, Policy, Management, Banking, Credit, Executive Management, Financial Services, Financial Regulation, Mortgage Banking, Loans, Risk Management
Education
Barton College 1989 — 1993
Bachelor of Business Administration (BBA), Business Administration and Management, General
Southern Nash Senior High School 1987 — 1989
General Studies, Business Administration and Management, General
Convergys November 1999 - Present
Abilities First Foundation June 1996 - November 1999
Associates Financial Services June 1988 - December 1995
Skills
Call Centers, Team Management, Budgets, Vendor Management, Lotus Notes, BPO, Performance Management, Customer Service, MIS, Human Resources
Education
University of Cincinnati 1986 — 1987
Finance, General
Miami University 1984 — 1986
Marketing
Union Home Mortgage Corp. September 2009 - Present
WaMu January 2005 - August 2008
Express Financial Services February 2002 - March 2004
Associates Financial Services May 1991 - July 2001
Skills
Mortgage Lending, Loans, Credit, Underwriting, FHA, Mortgage Banking, VA loans, USDA, FHA financing, Refinance, Residential Mortgages, Foreclosures, Finance, Government Loans, Construction Loans, Consumer Lending, Real Estate Financing, Certified Mortgage..., First Time Home Buyers
Education
Loyola University New Orleans 1982 — 1986
BA, Communications
SBB Management October 2014 - Present
Volt Workforce Solutions April 2013 - October 2013
MetLife Home Loans June 2004 - March 2013
Trammell Crow Company May 2003 - April 2004
Citifinancial Mortgage October 2002 - March 2003
National City Mortgage August 1999 - September 2002
Accubanc Mortgage October 1998 - August 1999
Search Financial Services September 1997 - March 1998
Associates Financial Services September 1992 - September 1997
Skills
Financial Analysis, PeopleSoft, Loans, General Ledger, Residential Mortgages, Accounting, Accounts Payable, Mortgage Banking, Mortgage Lending, Credit, Accounts Receivable, Cash Management, Financial Reporting, Account Reconciliation, Finance, Accruals, Journal Entries
Education
Keller Graduate School of Management of DeVry University 2005 — 2008
MBA, Accounting
The University of Texas at Dallas 1997 — 2001
Bachelor of Business Administration
The Employee Engagement Institute September 2012 - Present
Executive Service Corps 2011 - 2013
T.J. McCoy & Associates, LLC April 1993 - March 2012
Sprint April 1988 - May 1993
Associates Financial Services January 1985 - May 1988
Maritz Inc January 1980 - January 1985
Keith Stevens - Management Consultants January 1975 - January 1980
Skills
Leadership Development, Executive Coaching, Management Consulting, Organizational..., Business Strategy, Change Management, Mergers, Team Building, Culture Change, Program Management, Business Process..., Employee Engagement, Incentive Pay, Scorecard Management, Entrepreneurship, Human Resources, Mergers & Acquisitions, Business Development, Employee Relations, Start-ups, Leadership, Strategy, Performance Management, Organizational Design, Deferred Compensation, Incentive Programs, Executive Pay, Compensation & Benefit, Talent Management, Succession Planning, Consulting, Executive Management, Executive Development, HR Transformation, 360 Feedback, Workforce Planning
Education
University of Minnesota-Twin Cities 1970 — 1974
Villanova Lean Six Sigma
Lean Six Sigma Certification
Lenders One Mortgage Cooperative June 2015 - Present
First Guaranty Mortgage Corporation ® June 2014 - June 2015
Stearns Lending 2013 - June 2014
US Bank Wholesale September 2011 - 2013
North West Pump and Equipment April 2009 - February 2011
Equifirst April 2007 - February 2009
Decision One Mortgage 2003 - April 2007
Aames Home Loan 1998 - 2003
Associates Financial Services March 1990 - April 1998
Skills
Mortgage Banking, Mortgage Lending, Loans, Refinance, Credit, Loan Origination, Social Networking, Sales, FHA, Residential Mortgages, Credit Analysis, Finance, Underwriting, Selling, Construction Loans, USDA, Sales Operations, Sales Management, VA loans, First Time Home Buyers, Business Development, Commercial Lending, Commitment to Customer..., Mortgage Underwriting, Reverse Mortgages, Loan Servicing, Real Estate Financing, Consumer Lending, FHA financing, Funding, Mortgage Marketing, Small Business Lending, Real Estate Economics, Government Loans, Investment Properties, Loss Mitigation, Banking, Investments, Financial Structuring, Real Estate, Cross Selling, Lines Of Credit, Rates, Referrals, Credit Risk, Relationship Management, Financial Services, Certified Mortgage..., Mortgage Servicing, Branch Management
Education
Brigham Young University - Idaho 1984 — 1986
Secondary Education
Newbold Advisors August 2010 - Present
MI Solutions Group June 2010 - Present
United Guaranty Corporation December 2006 - June 2010
United Guaranty Corporation April 2005 - December 2006
United Guaranty Corporation April 1996 - April 2005
United Guaranty Corporation December 1992 - April 1996
MNC AMERICAN CORP August 1987 - September 1992
ITT FINANCIAL SERVICES August 1984 - August 1987
ASSOCIATES FINANCIAL SERVICES June 1979 - August 1984
Skills
Problem Solving, Team Building, Metrics, Mortgage Banking, Underwriting, Mortgage, Credit, Risk Management, Loans, Strategic Planning, Mortgage Lending, Credit Risk, Strategic Thinking, Mortgage Industry, Operations Management, Change Management, Banking, Executive Management, Leadership, Loan Origination, Finance, Financial Risk, Sales, Quality Assurance, Analysis, Business Development, Management
Education
University of Phoenix 1990 — 2002
BSBA, Business Administration
The School of Mortgage Banking 1994 — 1998
Certificate, Mortgage Banking
Center For Creative Leadership
Certification, Leadership Development
University of North Carolina at Greensboro
Certification, Management Development Progam
Business Development July 2015 - Present
AnnieMac Home Mortgage July 2014 - January 2015
Poli Mortgage Group July 2012 - November 2013
MLS Title, Inc. 2010 - 2012
Equity America 2008 - 2010
Indymac Bank 2005 - 2008
Countrywide Home Loans October 2002 - July 2005
Countrywide Financial Corporation 2002 - 2004
Upland Mortage 1997 - 2002
Associates Financial services March 1985 - October 1997
Skills
Business Development, Market Analysis, Talent Acquisition, Social Media Marketing, Sales, Real Estate, Start-ups, Sales Management, Analysis, Business Planning, Credit
Education
University of Pennsylvania - The Wharton School 2000 — 2000
Executive Team Dynamics
University of North Carolina at Chapel Hill - Kenan-Flagler Business School 1992 — 1992
Management Development Program
Lincoln High School
Lincoln High School
Maria Acuna Real Estate, llc October 2001 - Present
City of Springfield, Massachusetts 1987 - 2005
Associates Financial Services 1984 - 1987
Education
Leadership Institute
Springfield Technical Community College
Computer programing, business
DM Metrics LLC June 2015 - Present
Solico Financial Corp August 2003 - October 2015
Baywest Mortgage Company June 2000 - December 2005
Check Into Cash March 1999 - June 2000
UC Lending January 1998 - January 1999
Mercury Mortgage, Inc January 1990 - January 1998
Associates Financial Services January 1987 - January 1990
BankOne Finance 1986 - 1987
American General Finance 1985 - 1986
Skills
Selling, Forecasting, Small Business, Customer Retention, Lead Generation, B2B, Sales Management, E-commerce, Direct Marketing, Marketing Strategy, New Business Development, Business Planning, Online Marketing, Advertising, Business Strategy, Start-ups, Team Leadership, Team Building, Sales Operations, Direct Sales, Strategic Planning, Marketing Management, Email Marketing, Entrepreneurship, Digital Marketing, P&L Management, Telemarketing, Business Management, Market Analysis, Customer Service, Entrepreneur, Budgeting, Operations Management, Customer Experience, Online Advertising, Management, Sales, Training, Recruiting, Leadership, Business Development, Team Management, Strategic Partnerships, Strategy, Executive Management, CRM, Marketing, Sales Process, Product Management, Contract Negotiation
Education
Aveta Business Institute
Six Sigma Certification
Indiana University Bloomington 1981 — 1985
B.A, Telecommunications
Bank of Oklahoma December 2013 - Present
PrimeSource Mortgage March 2009 - November 2013
Bank of America April 2002 - November 2007
Associates Financial Services June 1997 - June 2001
Skills
CRM, Leadership, Business Development, Management, Sales, Mortgage Lending, Finance, Training, Financial Analysis, Sales Operations, Credit, Analysis, Risk Management, Team Building, Sales Management, Negotiation, FHA, Contract Negotiation, Insurance, B2B, Time Management, Selling, Forecasting, Vendor Management, Due Diligence, Quality Control, Data Analysis, Corrective Action, Credit Risk Assessment, Fair Lending, Loan Origination, Data Governance, Financial, Operational...
Education
Oral Roberts University 1994 — 1997
B.S., Business Administration
Osbourn Park High School 1989 — 1993
High School Diploma
Capital One Home Loans September 2015 - Present
Citicorp Citi Bank January 2015 - Present
Citicorp Citi Bank July 2012 - October 2014
JPMorgan Chase January 2010 - July 2012
Household Finance December 1998 - April 2009
HSBC CONSUMER LENDING-HFC December 1998 - April 2009
Dime Savings of Williamsburg February 1993 - August 2006
Associates Financial Services August 1996 - November 1998
Casa Virgina Clothing Fashion & Beautians March 1989 - May 1991
Skills
Sales and relationship..., Sales Management, Credit, Mortgage Lending, Banking, Loans, Finance, Mortgage Banking, Sales, Telemarketing, Sales Presentations, Retail Banking, Loan Origination, Government Loans, Branch Banking, Customer Service, Customer Satisfaction, Retail Sales, Sales Process, Loan Pricing, Investment Property..., Residential Mortgages, Sales Operations, Mortgage Marketing, Jumbo Mortgage, Building Relationships, FHA, Leadership, Management, Refinance, Training
Education
LaGuardia Community College 1995 — 1997
Some College, Business and Marketing
Collegial Luz Y Vida Santo Domingo. D.R 1989 — 1991
High School Diploma
Carrington Mortgage Services, Mortgage Lending Division February 2015 - Present
First Oklahoma Bank October 2012 - January 2015
Carrington Mortgage Services, Mortgage Lending Division 2015 - 2015
Carrington Mortgage Services, Mortgage Lending Division 2015 - 2015
Wells Fargo Home Mortgage 2011 - 2012
First Fidelity Bank 2010 - 2011
City National Bank and Trust 2009 - 2010
Wilmington Finance 2002 - 2009
First Union Home Equity 2001 - 2002
Associates Financial Services 1995 - 2001
Skills
Loans, Mortgage Lending, Mortgage Banking, Loan Origination, Refinance, FHA, Residential Mortgages, Credit, Credit Analysis, VA loans, USDA, Commercial Lending, FHA financing, Construction Loans, Consumer Lending, General Insurance, Government Loans, FHA Financing, VA Loans
Education
Oklahoma State University 1987 — 1992
Bachelor of Science (B.S.), Finance
Banner Bank November 2014 - Present
US Bank October 1998 - November 2014
Associate's Financial Services January 1992 - July 1998
Skills
Loans, Refinance, Lines Of Credit, Debt Consolidation, Home Equity Lines of..., Mortgage Lending, Small Business Lending, FHA, Consumer Lending, Loan Origination, Credit, Commercial Lending, Small Business, USDA, Certified Mortgage..., Mortgage Banking, Government Loans, Credit Analysis, VA loans, Branch Banking, Residential Mortgages, FHA financing, Commercial Mortgages, Reverse Mortgages, Construction Loans, Underwriting, Real Estate Financing, Commercial Banking, First Time Home Buyers, Banking, Retail Banking, Investment Properties, Relationship Management, Finance, Home Equity Loans, Financial Services, Portfolio Management, Investments, Real Estate Economics, Real Estate, Closings, Merchant Services, Escrow, Title Insurance, Branch Management, REO, Mortgage Underwriting, Referrals, Foreclosures, Commercial Real Estate
Education
University of Hawaii-West Oahu 1988 — 1990
Bachelor of Arts, Professional Studies & Public Administration, 4.0
Canaveral Port Authority June 2011 - January 2013
LifeSouth Community Blood Centers May 2001 - May 2011
Highlands County Sheriff's Office June 1996 - April 2001
Springlake True Value 1994 - 1996
Withers & Harshman, Inc. 1987 - 1994
Alabama Outdoor Equipment Distributors, Inc., 1986 - 1987
Associates Financial Services 1983 - 1986
Skills
Human Resources, Traditional Labor Law, Coaching, Affirmative Action, Arbitration, EAP, Cultural Change..., EEO, Compentancy-Based..., Change Management, International Employment, Job Satisfaction, Multinational Workforce, OSHA, Performance Incentive, Team Building, Regulatory Compliance, Training & Development, Union Negotiations, Workforce Planning, FMLA, FLSA, Benefits Analysis, On-the-job training, Train-the-trainer, E-Learning, Succession Planning, Employee Training, Organizational..., Employee Relations, HRIS, Talent Management, Recruiting, Leadership Development, Leadership
Education
Samford University 1975 — 1983
Bachelor of Science (BS), Business Administration and Management, General
Branch Banking & Trust November 2006 - Present
Branch Banking and Trust November 2006 - January 2009
Option One Mortgage January 2004 - November 2006
Conti Mortgage 1997 - 1998
Associates Financial Services 1991 - 1998
Associates First Capital 1991 - 1998
The Associates 1991 - 1998
Household Finance 1972 - 1991
HSBC 1972 - 1991
Skills
Credit, Mortgage Lending, FHA, Loan Origination, Loans, Mortgage Banking
Education
Methodist University 1968 — 1972
BA, Business
IT Consultant - Self Employed May 2010 - Present
Union Savings Bank September 2000 - May 2010
Countrywide Home Loans September 1997 - August 2000
Associates Financial Services November 1991 - August 1997
cfacts August 1988 - November 1991
Household Retail Services (Household International) February 1987 - June 1988
Skills
REO, Reserves, Loss Prevention, Loss Mitigation, Foreclosures, Collections, Loan Origination, Loan Servicing, Loan Modifications, Government Loans, Home Equity Loans, Organizational..., Organizational..., Goal Oriented, Sales Management, Management, Management Consulting, Operations Management, Reserve Analysis, Credit, Credit Risk, Credit Analysis, Compliance, Asset Managment, Auditing, VA loans, FHA, FHLMC, Computers, Computer Repair, CompTIA, Customer Service, CompTIA A+ Certification, CompTIA Network+..., Computer Security, Computer Maintenance, Document Review, Title Searches, Title Insurance, Report Writing, Technical Writing, Creative Writing, Poetry, Poet
Education
Chapman University
BSBA, Management
Merced College
AS, Accounting and Computer Studies
Community College of the Air Force
AS, Technology Management
Connellsville High School, PA
Buchanan Ingersoll & Rooney PC March 2014 - Present
Fowler White Boggs, P.A. January 2008 - March 2014
Cash Management Solutions 1999 - 2008
Associates Financial Services 1991 - 1999
United States Navy June 1969 - August 1989
Skills
Technical Writing, Communication Skills, Accounts Receivable, Collection Development, Settlement Agreements, Sales Management, Military Training, Military Recruiting, Military Operations, Military Communications, Navy, Finacial Management, Military Experience, Leadership, Creditors' Rights, Litigation Support, Legal Research, Civil Litigation, Mediation, Legal Writing, Legal Assistance
Education
Florida Metropolitan University 1989 — 1991
BBA, Business
Jackson High School 1968
Colonial Funding Group, LLC April 2013 - Present
Mortgage Contracting Services April 2011 - April 2013
American Home Mortgage Servicing Inc January 2009 - May 2011
HomeVestors of America November 2007 - January 2009
Casa Linda Homes December 2003 - November 2007
Textron Land Finance/ Developer Finance Corporation January 2000 - January 2003
Colonial Financial Services January 1998 - January 2000
Associates Financial Services August 1989 - January 1999
Southwest Savings Association January 1980 - January 1989
Skills
REO, Foreclosures, Loans, Real Estate, Credit, Mortgage Lending, Residential Homes, Loss Mitigation, Program Management, Property, Executive Management, Marketing, Underwriting, Investment Properties, Finance, Contract Negotiation, Asset Management, Human Resources, Sales, FHA, Real Estate Transactions, Real Property, Portfolio Management, Management, Business Development, Property Management, Mortgage Servicing, Short Sales, Due Diligence, Loan Origination, Mortgage Banking
Education
University of North Texas 1980 — 1984
Real Estate/Finance
Waxahachie High School
Bank of America January 2015 - Present
Newbold Advisors 2013 - February 2015
JPMorgan Chase April 2008 - July 2012
ResMAE Mortgage Corporation July 2007 - April 2008
Option One Mortgage January 1998 - July 2007
OPTION ONE MORTGAGE CORPORATION January 1998 - July 2007
Option One Mortgage January 1998 - July 2007
FIRST UNION BANK January 1997 - January 1998
ASSOCIATES FINANCIAL SERVICES January 1989 - January 1997
Associates Financial Services 1989 - 1997
Skills
Mortgage Banking, Risk Management, Loans, Program Management, Sales Operations, Management, Change Management, Mortgage Lending, Underwriting, Quality Assurance, Leadership, Project Management, Asset Management, Compliance, Credit, Operations Management, Loan Origination, Financial Services, Team Building, Analysis, Management Consulting, Financial Risk, Loss Mitigation, PMO, Business Development, Process Improvement
Education
UC Irvine
Project Management
Ohio State 1986 — 1988
PROCSI
Certificate, Change Management Methodology
Home Plate Ministry July 2009 - Present
Separated by the Cross 2007 - Present
The Rioath Group September 2007 - April 2011
Citigroup 2001 - 2007
CitiFinancial 1996 - 2007
Associates 1978 - 1996
Associates Financial Services 1978 - 1996
Skills
Speakers, Lifestyle Coaching, Published Author, Non-profits, Teaching, Strategic Planning, Leadership Development, Small Business, Leadership, Coaching, Business Strategy, Executive Coaching, Banking, Business Planning, Credit, Change Management, Executive Management, Budgets, Customer Service, Entrepreneurship, Fundraising, Management, Mortgage Lending, Nonprofits, Public Speaking, Operations Management, Social Networking, Team Building, Training, Financial Analysis, Marketing, Mergers, Team Leadership, New Business Development
Education
Liberty University 2011 — 2014
Bachelor of Science (B.S.), Religion/ Theology/ Pastoral Ministry
State University of New York at Stony Brook 1974 — 1978
Religion, Theology, Pastoral ministry
BB&T January 2010 - Present
CitiFinancial May 2006 - October 2009
CitiFinancial April 2000 - May 2006
Associates Financial Services 1975 - 1998
Skills
Loans, Banking, Credit Analysis, Coaching, Customer Service, Compliance, Microsoft Excel, Internal Audit, Microsoft Office, Microsoft Word, Organization, Office Management, Typing, Windows, Process Improvement, Portfolio Management, Finance, Credit, Financial Analysis, Management, Sales, Risk Management
Education
Niagara University 1973 — 1974
Accounting
Acopia Home Loans May 2010 - Present
Freedom First Mortgage September 2007 - April 2010
BNC Mortgage / Lehman Brothers February 2007 - September 2007
Mortgage Lenders Network USA November 2004 - February 2007
Centex Home Equity January 2003 - November 2004
First Horizon Money Center May 2001 - December 2002
Associates Financial Services October 1993 - May 2001
Skills
Loans, Loan Origination, FHA, Mortgage Banking, Refinance, Mortgage Lending
Education
LaGrange College 1989 — 1993
B.A. Business Administration, Finance, Accounting, Marketing, Economics, etc.
Atlantic Coast Financial Services, Inc. May 1996 - Present
EquiCredit Corp, Subsidiary of Bank of America February 1990 - May 1996
Associates Financial Services September 1988 - February 1990
Felice's of Patchogue June 1988 - February 1990
Skills
Team Building, Leadership, Business Development, CRM, Management, Start-ups, Training, Banking, Sales, Marketing, Team Leadership, Marketing Strategy, Analysis, Small Business, Mortgage Lending, Customer Service
Education
University of North Carolina at Greensboro 1984 — 1988
Bachelors of Science - Finance, Financial Management
CASCADE PREMIERE June 2003 - Present
TBS BOOKKEEPING May 2005 - May 2007
QPOINT MORTGAGE/HOMESTREET BANK August 2000 - May 2003
ASSOCIATES FINANCIAL SERVICES January 1996 - August 2000
IMPORT AUTO SERVICE August 1997 - May 1999
CAFE BODA March 1996 - May 1998
Education
Shoreline Community College 1994 — 1996
FM Lending Services LLC April 2014 - Present
Grid Financial Services, Inc. October 2011 - February 2014
SunTrust Mortgage July 2010 - October 2011
Capital Bank July 2009 - July 2010
MetLife Home Loans November 2008 - July 2009
Citi January 2003 - August 2008
1st National Bank of Arizona and Fremont Investment and Loan June 2001 - January 2003
CIT 1997 - 2001
CIT Group 1997 - 1998
Associates Financial Services 1991 - 1997
Skills
Mortgage Lending, Mortgage Banking, FHA, Loans, USDA, Underwriting, Credit, Loan Origination, Banking, Refinance, Residential Mortgages, Mortgage Underwriting, VA loans, Credit Analysis, FHA financing, Construction Loans, Real Estate, Portfolio Management, FHA Financing, VA Loans
Education
East Carolina University 1984 — 1988
BA, Economics
School District of Janesville September 2013 - Present
Blackhawk Technical college August 2011 - May 2013
School District of Janesville December 2007 - May 2011
Various August 2006 - December 2007
Home Entry Services September 1997 - August 2003
Associates Financial Services September 1994 - December 1995
ITT Financial Services July 1989 - August 1993
Blazer Financial Services May 1984 - December 1988
Skills
Employee Relations, Leadership Development, HR Policies, Time Management, Human Resources, Collections, Lending, Employee Benefits, Data Entry, Customer Service, HRIS, Employee Training, Public Speaking, Training
Education
Blackhawk Technical College 2011 — 2013
Associate of Arts and Sciences (A.A.S.), Human Resources
Parker Senior High School 1980 — 1983
Diploma, Music
SYMBITS May 2008 - Present
First Franklin a subsidary of Merrill Lynch September 2005 - December 2007
Associates 1986 - 2001
Conseco Finance, Mortgage Service Division 1999 - 2000
Associates Financial Services 1989 - 1995
Skills
Mortgage Lending, Leadership, Account Management, Mortgage Banking, Sales Process, Refinance, Business Planning, Start-ups, Sales Management, Loan Origination, Coaching, Credit, Sales, Residential Mortgages, Business Development, Underwriting, Lead Generation, Management, Loans, FHA, Marketing, Telecommunications, Direct Sales, Solution Selling, Networking, Strategy, Managed Services, Selling, Call Centers, Finance, Executive Management, SaaS, Strategic Partnerships, P&L Management, Sales Operations, Cloud Computing
Education
Miami Dade College 1980 — 1982
Associate of Arts (AA), Business/Managerial Economics
Bank of America August 2010 - Present
JP Morgan Chase January 2010 - August 2010
Citigroup 2001 - 2009
CitiFinancial 1996 - 2001
Associates Financial Services 1992 - 1996
WALTERS MANAGEMENT COMPANY 1987 - 1991
Continental Credit Corporation 1984 - 1987
SECURITY FINANCE CORPORATION 1982 - 1984
BENEFICIAL FINANCE CORPORATION 1979 - 1981
AMERICAN GENERAL FINANCE CORPORATION 1977 - 1979
Skills
Internal Audit, Sarbanes-Oxley Act, Risk Assessment, Financial Risk, Internal Controls, Credit, Financial Services, Auditing, Enterprise Risk..., Risk Management, Banking, Management, Operational Risk, Finance, Due Diligence, Analysis, Operational Risk..., Portfolio Management, Loans, AML
Education
LeTourneau University
Tarrant County College
Texas State University
SouthFirst Mortgage June 2009 - Present
SOUTH FIRST MORTGAGE June 2009 - Present
New South Federal Savings Bank June 2007 - September 2008
HODGES COMMERCIAL REAL ESTATE June 2006 - June 2007
ALABAMA CENTRAL CREDIT UNION August 2005 - March 2006
Regions Mortgage June 2003 - August 2005
Allied Home Mortgage October 2000 - March 2003
CONSECO FINANCE CORP February 1997 - October 2000
COLONIAL BANC GROUP November 1995 - January 1997
ASSOCIATES FINANCIAL SERVICES September 1988 - November 1995
Education
Auburn University at Montgomery 1985 — 1987
Bachelor of Science, Business Administration
University of Alabama 1981 — 1985
Business
Atlas Copco USA August 2013 - Present
Staples June 2000 - August 2013
Associates Financial Services November 1996 - June 2000
Skills
Management, Forecasting, Operations Management
Education
Fort Hays State University 1988 — 1991
Bachelor of Business Administration, Finance
Coffeyville Community college 1987 — 1988
Associates of Arts, General Studies
Professional Mortgage and Investments, Inc July 1999 - Present
Statewide Mortgage Funding Inc August 1995 - July 1999
United Security Mortgage Company Inc July 1986 - August 1995
Pan American Mortgage Company January 1986 - July 1986
Barnett Bank April 1984 - January 1986
Associates Financial Services February 1982 - March 1984
Skills
Mortgage Lending, Mortgage, VA, FHA, Reverse Mortgages, First Time Home Buyers, U.S.C.G. Licensed..., Loans, Investments, Sellers, Residential Mortgages, Mortgage Banking, Real Estate, Refinance, USDA, VA loans, Customer Service, Underwriting, Referrals, Loan Origination, Finance, FHA financing, Construction Loans, Certified Mortgage..., Real Estate Financing, Investment Properties, Mortgage Underwriting, Loss Mitigation, Credit, REO, Investors, Residential Homes, Short Sales, Single Family Homes, Real Estate Transactions, Condos, Debt Consolidation, Relocation, New Home Sales, HUD, VA Loans, FHA Financing
Education
Seminole Community College 1980 — 1982
Associates of Arts Degree, Business Administration
Leader 1 July 2007 - Present
LeaderOne Financial July 2007 - Present
Plaza Mortgage 1993 - 1999
Associates Financial Services 1985 - 1992
Skills
FHA, VA, Mortgage Lending, First Time Home Buyers, VA loans, Conventional, USDA, Residential Mortgages, Mortgage Banking, First Time Buyers, Mortgage, Refinance, Loans, Credit, Reverse Mortgages, FHA financing, Finance, Loan Origination, Banking, Government Loans, Real Estate, Construction Loans, Mortgage Marketing, Certified Mortgage..., Investment Properties, Underwriting, Sellers, Mortgage Underwriting, Credit Analysis, Home Equity Lines of..., Home Equity Loans, Mortgage Servicing, Consumer Lending, VA Loans, FHA Financing, Sales, Foreclosures, Residential Homes, Real Estate Financing
Education
University of Louisiana at Lafayette 1979 — 1985
Bachelor's degree, Finance and Financial Management Services
Wells Fargo Bank May 2010 - Present
Citizens Bank January 2006 - December 2009
TransUnion Settlement Solutions 2003 - 2006
Atlantic Assurance Settlement Services 1999 - 2003
Associates Financial Services 1997 - 1999
Associates Financial Services 1994 - 1997
Associates Financial Services 1992 - 1997
Associates Financial Services 1988 - 1992
Skills
Risk Management, Vendor Management, Process Improvement, Management, Leadership, Operations Management, Loans, Mortgage Lending, Negotiation, Banking, Small Business Lending, Executive Management, Team Leadership, Training, Manage Client..., Team Building, Project Management, Retail Banking, Credit
Education
Brigham Young University - Idaho 1980 — 1983
Business
Millheiser Real Estate at Dave Perry-Miller & Associates 2002 - Present
Constant Care Family Management 2010 - 2012
Safeguard Business Systems, a division of Deluxe Corp February 2006 - July 2008
Direct Energy 2003 - 2005
TXU 1987 - 2002
Lone Star Gas Company 1987 - 1999
Associates Financial Services 1986 - 1986
Dr Pepper 1981 - 1985
Citibank 1978 - 1981
Nestle 1973 - 1978
Skills
Marketing Communications, Strategic Planning, New Business Development, Brand Development, Marketing Research, CRM, Project Management, Customer Insight, Sales Operations, Channel, Competitive Intelligence, Web Marketing, Campaign Management, Product Launch, Sales Promotion, Regulations, Marketing Strategy, Direct Marketing, Competitive Analysis, Product Marketing, Marketing Management, Integrated Marketing, Marketing, Start-ups, Leadership, Advertising, Management, Cross-functional Team..., Sales, Budgets, Market Planning, Business Strategy, Program Management, Segmentation, Market Analysis, Retail, Selling, Strategic Partnerships, Training, Product Development, Contract Negotiation, Social Media Marketing, Mergers & Acquisitions, Direct Mail, Real Estate, Market Research, Brand Awareness, Business Development, Lead Generation, Email Marketing
Education
New York University - Leonard N. Stern School of Business 1975 — 1980
M.B.A., Marketing
Northeastern University 1970 — 1975
B.S., Business, Marketing, International Marketing
ARC Capital May 2007 - Present
Fremont Investment & Loan April 1998 - March 2007
Associates Financial Services April 1994 - April 1998
Skills
Real Estate, Investors, Loans, Investment Properties, Real Estate Financing, Mortgage Lending, Real Estate Economics, Real Estate Transactions, Refinance, Single Family Homes, Loan Origination, Property, Private Money, Residential Mortgages, Residential Homes, Referrals, Commercial Real Estate, Brokerage, Investments, Underwriting, Condos, Hard Money Lending, Luxury, Real Property, Sales, 1031 Exchanges, Commercial Mortgages, Real Estate Development, Selling, Real Estate Investor, Buyers, Property Management, International Real..., Leases, Rentals, Apartments, Appraisals, Construction Loans
Education
Illinois State University 1991 — 1993
B.S., Business
Waubonsee Community College 1990 — 1991
Oswego High School 1983 — 1987
Digital Risk June 2013 - June 2014
The Hopp Law Firm, LLC (dissolved in 2013) March 2012 - 2013
Fannie Mae January 2011 - February 2012
Nationstar Mortgage February 2001 - December 2010
Associates Financial Services February 1998 - February 2001
Skills
Risk Management, Mortgage Servicing, Quality Assurance, Foreclosures, Executive Management, Loss Mitigation, Mortgage Lending, Loan Servicing, REO, Mortgage Banking, Default, Management, Bankruptcy, Loans, Leadership, Portfolio Management, Asset Management, Underwriting, Credit, Litigation Support, Loan Origination, A/R Collections
Education
Saint Louis Community College-Meramec 1991 — 1992
General Studies
College of DuPage 1990 — 1991
General Studies
Clearview Electric Inc July 2006 - Present
Quality Telephone, Inc. January 2002 - April 2015
NewMove.com July 2000 - December 2001
Citi May 1998 - June 2000
Associates Financial Services April 1995 - April 1998
Citi May 1986 - March 1993
Skills
Project Management, Budgets, Analytics, Direct Marketing, Account Management, Team Building, Team Management, Marketing, Marketing Strategy, Strategic Partnerships, Lead Generation, Risk Management, Portfolio Management, Sales Management, Digital Marketing, Segmentation, Call Centers, CRM, Energy, Sales, P&L Management, Email Marketing, Leadership, Business Development, Strategy, Management, Strategic Planning, Start-ups, New Business Development, Contract Negotiation, Analysis, Business Strategy, Customer Service, Product Management, Consulting, Program Management
Education
Columbia University - Columbia Business School 1984 — 1986
Master of Business Administration (MBA), Accounting and Finance
Cornell University 1978 — 1982
Bachelor of Science (BS), Statistics and Biometrics
Missouri Hospital Association January 2005 - June 2014
Missouri State Senate 2004 - 2004
Kinder For Lt. Governor Campaign 2004 - 2004
Progressive Insurance 2002 - 2003
AT&T Wireless Services 2000 - 2002
AT&T Wireless Services 2000 - 2000
AT&T Wireless Services 1995 - 1999
State of Missouri January 1989 - December 1994
American Family Insurance 1988 - 1989
Associates Financial Services 1986 - 1987
Skills
Public Policy, Policy, Policy Analysis, Legislative Relations, Government, Legislation, Politics, Strategic Communications, Strategic Planning, Leadership, Strategy, Coalitions, Crisis Communications, Fundraising, Community Outreach, Nonprofits, Public Speaking, Public Relations, Healthcare Policy, Political Campaigns, Speech Writing, Budgets, Media Relations, Community Development, Telecommunications..., Grassroots Organizing, Volunteer Management, Program Management, Public Affairs, Corporate Communications, Proposal Writing, International Relations, Health Policy, Public Health
Education
Cedarville University 1982 — 1986
Bachelor of Arts (B.A.), Social Sciences
Saint Louis University 1993 — 1995
Executive Masters, International Business
Our Lady of Consolation Church March 2010 - Present
Metlife Home Loans January 2009 - March 2010
Residential title December 2001 - August 2008
Associates Financial Services April 1976 - November 2001
Skills
Community Outreach, Teaching, Public Speaking, Theology, Pastoral Care, Nonprofits, Religion, Leadership Development, Event Planning
Education
Southern Illinois University, Edwardsville 1970 — 1974
BS Education, Sociology and Instruction technology
Belleville township high school west 1966 — 1970
high school
ZystemsGo June 2015 - Present
Self-employed October 2004 - Present
Weston Solutions, Inc. March 2000 - October 2003
Ameriquest Mortgage September 1998 - February 2000
Associates Financial Services July 1996 - August 1998
Skills
Microsoft Office, Customer Service, Organization, Transcription, Word Processing, Office Management, Microsoft Word, Microsoft Excel, Data Entry, Proofreading, Process Scheduler, PowerPoint, Accounts Payable, Accounts Receivable, Bank Reconciliation, Outlook, Payroll, Research, Training
Education
Towson University 1994 — 1997
Bachelor of Science (B.S.), Psychology
CitiMortgage June 2012 - Present
CitiMortgage April 2011 - June 2012
CitiMortgage March 2009 - April 2011
CitiFinancial Mortgage April 2006 - December 2007
CitiFinancial June 2003 - April 2006
CitiFinancial January 2003 - June 2003
CitiFinancial January 2001 - January 2003
CitiFinancial July 1996 - December 2000
Associates Financial Services April 1996 - June 1996
Associates Financial Services April 1995 - April 1996
Skills
Loan Servicing, Default, Foreclosures, Negotiation, Customer Service, Mortgage Servicing, Financial Services, Loan Origination, Loss Mitigation, Finance, Process Improvement, REO, Mortgage Lending, Banking, Loans, Credit Risk, Analysis, Mortgage Banking
Education
University of Phoenix 2011 — 2014
Bachelors, Business and Management
Northlake College 2000 — 2000
Real Estate Course
Executive Secretarial School 1994 — 1995
Northlake College
Associate of Arts (A.A.)
CIBT July 2015 - Present
Lidl US July 2014 - July 2015
Amazon Web Services June 2012 - July 2014
Amazon.com July 2011 - June 2012
L-3 Communications September 2008 - July 2011
Compass Knowledge Group October 2007 - September 2008
Lenders First Choice July 2005 - March 2007
OVT Title June 2003 - July 2005
North American Mortgage Corporation May 1999 - June 2003
Associates Financial Services May 1996 - May 1999
Skills
Organizational..., Workforce Planning, Job Analysis, RFP, Performance Management, Talent Management, Recruitment/Retention, Project Management, Workers Compensation, Training Delivery, Leadership Development, Employee Relations, Succession Planning, Onboarding, New Hire Orientations, Program Management, Human Resources, Change Management, Recruiting, Personnel Management, Training, Employee Training, Coaching, Leadership, Internet Recruiting, Strategic Planning, Management, Job Descriptions, Talent Acquisition, Business Development, HR Policies, Interviews, Deferred Compensation, Hiring, Employee Benefits, HR Consulting, Policy, College Recruiting, Benefits Negotiation, Applicant Tracking..., Conflict Resolution, Technical Recruiting, HRIS, Temporary Placement, Cross-functional Team..., Career Counseling, Sourcing, Employer Branding, Benefits Administration, Positive Work...
Education
Rollins College 2009 — 2011
Master of Arts (M.A.), Human Resources (MHR)
Rollins College 2001 — 2004
Bachelor's Degree, Organizational Behavior
loanDepot September 2011 - Present
Real Estate First, Inc January 2010 - Present
Stearns Lending January 2010 - September 2011
Direct Loan America, Inc. February 2007 - December 2009
Lehman Brothers / BNC Mortgage October 2005 - February 2007
Lehman Brothers / Finance America January 2000 - October 2005
AMRESCO Closure / Lehman Brothers Joint Venture February 1999 - December 1999
Associates Financial Services May 1995 - February 1999
Skills
Management, Mortgage Lending, Negotiation, Mortgage Banking, Loans, Sales, Real Estate, Marketing, FHA, Loan Origination, REO, Investment Properties, Leadership, Residential Mortgages, First Time Home Buyers, Refinance, Foreclosures, Short Sales, Investors
Education
University of California, Irvine
Business Administration and Management, General
US Healthworks Medical Group November 2014 - Present
Physician Advisors Group May 2012 - Present
Advanced Pain Management Center January 2009 - February 2013
Midwest Auto Service January 2000 - January 2008
Logan Noor Investments January 2001 - January 2004
Global Trading Resources January 2001 - January 2003
KeyBank January 1999 - January 2000
Associates Financial Services January 1993 - January 1999
Skills
Revenue Cycle, Medical Billing, Healthcare, Customer Service, Billing, EMR, Strategic Planning, CPT, Customer Relations, Contract Negotiation, Team Building, Budgeting, Mentoring, HIPAA, Compliance, Insurance, Public Speaking, Practice Management, Medicare, Contract Management, Contract Negotiations, Accounting, Problem Solving, Administration, Hiring, Health, Microsoft Office, Excel, Leadership Development, Healthcare Management, New Business Development, Medicaid, Financial Analysis, Research, Coaching, Medical Terminology, Negotiation, Scheduling, Accounts Receivable, ICD-9, Marketing Strategy, Credentialing, Change Management, Process Improvement, Budgets, Recruiting, System Administration, Microsoft Excel, Healthcare Consulting, Program Management
Education
University of Phoenix 2014 — 2016
Master's Degree, Health/Health Care Administration/Management
MARA Institute of Technology
Associate, Public Administration
Ohio Dominican University
Bachelor, Business Administration
Xavier University
Master, Business Administration
CMG Financial 2001 - Present
Pacific Guarantee Mortgage January 1998 - 2001
Hallmark Home Mortgage 1996 - 1998
Associates Financial Services 1995 - 1996
Associates Financial Services 1991 - 1995
Associates Financial Services 1988 - 1991
Skills
Reverse Mortgages, USDA, Loans, FHA, NMLS, VA loans, Underwriting, Loan Servicing, Government Loans, Construction Loans, Refinance, Loan Origination, Credit Analysis, Home Equity Loans, Mortgage Banking, Mortgage Underwriting, Commercial Mortgages, First Time Home Buyers, Real Estate Financing, Residential Mortgages, Credit, Certified Mortgage..., Short Sales, Mortgage Lending, Small Business Lending, Banking, Referrals, Real Estate, Finance, FHA financing, Consumer Lending, Residential Homes, Funding, Investment Properties, 203K, Commercial Lending, Home Equity Lines of..., Loss Mitigation, HUD, Foreclosures, Financial Structuring, Debt Consolidation, Investors, Branch Management, REO, Investments, Real Estate Economics, Mortgage Marketing, Sellers, Insurance
Education
David Douglas High School
Portland State University
Baker Distributing Company 2014 - Present
Fiserv 2010 - 2013
Fiserv 2006 - 2009
Mobility Products Unlimited 2004 - 2006
Blue Shield of California 2001 - 2004
Associates Financial Services 1998 - 2000
Skills
Human Resources, Talent Management, Leadership, Coaching, Employee Relations, Talent Acquisition, Employee Engagement, Performance Management, Onboarding, Personnel Management, HRIS, Succession Planning, Strategy, Workforce Planning, Organizational Design, Training, Deferred Compensation, Leadership Development, Job Descriptions, Policy, Benefits Administration, Organizational..., Recruiting, Interviews, HR Consulting, Sourcing, HR Policies, Labor Relations, Applicant Tracking..., Payroll, FMLA, New Hire Orientations, College Recruiting, Employee Benefits, Employee Training, Conflict Resolution, Employment Law, Organizational..., Performance Appraisal, Management, Hiring, FLSA, Executive Coaching, Strategic HR, Employee Handbooks, Compensation & Benefit, Career Development, Team Building
Education
Notre Dame de Namur University
Master's degree, Emphasis HR
California State University, Fresno
Bachelor's degree, Public Administration
Modis/AIG August 2013 - Present
Indotronix International Corporation August 2012 - August 2013
CITI April 2011 - July 2012
CITI July 2008 - May 2011
Citi February 2007 - July 2008
Citi 2004 - 2007
Citi 2003 - 2004
AmeriCredit 2001 - 2003
AmeriCredit 1999 - 2001
Associates Financial Services 1997 - 1999
Skills
Project Management, Data Center, Facilities Management, Critical Infrastructure, Technical Support, Building Relationships, Strategic Planning, ITIL v3 Foundations..., Physical Security, IT Operations, IT Infrastructure..., IT Strategy, Vendor Management, IT Service Management, Business Process..., PMP, PMO, Cloud Computing, ITIL, Infrastructure, Project Delivery, Enterprise Software, Management, Information Technology, Program Management, Enterprise Architecture, Risk Management, Telecommunications, Leadership, Disaster Recovery, Networking, Strategy, Project Planning, IT Management, System Deployment, Project Portfolio..., Operations Management, Storage, Security, SDLC, Integration, Outsourcing, Service Delivery, Analysis, Testing, Business Analysis, Incident Management, Governance, Business Process
Education
LeTourneau University 1999 — 2000
BBM, Business Management
Allied First Bank October 2006 - Present
Oswego Chamber of Commerce January 2006 - Present
Oswego Optimist Club July 2006 - May 2011
Home Star Bank 2002 - 2006
Associates FInancial Services 1995 - 1998
Education
North Central College 1984 — 1988
St Lawrence High School
CBCS May 2011 - Present
CBCS, Inc. January 2001 - April 2011
Associates Financial Services September 1998 - December 2000
Skills
Claims Management, Multi-Jurisdictions for..., Customer Service, Negotiation, Risk Management, Workers Compensation, Claim, Insurance, Liability, Casualty, Legal Liability, Professional Liability, Commercial Insurance, Commercial Lines, General Insurance, Health Insurance, Property & Casualty..., Brokers, Underwriting, Umbrella Insurance, Liability Analysis, Employee Benefits
Education
Iowa State University 1995 — 1999
B.S., Child and Family Services
Hempstead High School
Select Eurocars April 2014 - Present
SHARENET April 2011 - April 2014
Flaherty Funding Corporation 2008 - 2010
Commercial Loan Broker September 2005 - July 2008
Bill Cram Inc 1998 - 2005
Finger Lakes FCU 1988 - 1998
Associates Financial Services 1985 - 1988
Skills
Credit Unions, Consumer Lending, Mortgage Lending, Credit, Loans, Mortgage, Banking, Loan Origination, Commercial Lending, Underwriting, Retail Banking, Small Business Lending
Education
Rochester Institute of Technology
BS, Business
TIAA-CREF May 2014 - Present
TIAA-CREF October 2012 - May 2014
TIAA-CREF February 2005 - October 2012
TIAA-CREF May 2002 - February 2005
TIAA-CREF July 1998 - May 2002
TIAA-CREF January 1997 - July 1998
Associates Financial Services October 1993 - January 1997
SUPERVALU 1991 - 1995
Skills
Series 7, Financial Planning, Financial Management, Insurance, Process Improvement, Business Analysis, Risk Management, Compliance, Program Management, Change Management, Customer Relations, Operations Management, Team Leadership, Coaching, Data Analysis, Problem Solving, Investments, Analysis, Business Planning, Quality Assurance, Business Process..., Call Center, Project Management, Management, Training, Customer Service, Project Portfolio..., Project Planning, CRM, Business Development, Strategic Financial...
Education
Colorado State University 2000 — 2002
MBA, Executive MBA
University of Nevada-Las Vegas - College of Business 1985 — 1991
Bachelor's degree, Finance, General
Allsec Technologies November 2013 - Present
Newbold Advisors September 2008 - January 2013
Fremont Investment and Loan February 2006 - July 2008
Countrywide Home Loans March 2002 - February 2006
America's Cash Express January 2001 - January 2002
Associates Financial Services September 1979 - January 2001
Skills
Risk Management, Mortgage Lending, Management Consulting, Loss Mitigation, Due Diligence, Mortgage Servicing, Underwriting, Loans, Leadership, Portfolio Management, Credit, REO, Credit Risk, Financial Analysis, Mortgage Banking, Finance, Default, Quality Assurance, Banking, Business Analysis, Financial Services, Foreclosures, Loan Servicing, Short Sales, Vendor Management, Valuation, Accounting, Analysis, Management, Strategic Planning, Relationship Management, Mortgage Underwriting, Credit Analysis, Strategic Financial..., Asset Management, Financial Risk, Process Improvement, Executive Management, Business Process..., Employee Training, Investments, Mergers & Acquisitions, Consumer Lending, Real Estate, FHA, Software Documentation, Insurance, Operational Risk, Refinance, Residential Mortgages
Education
University of Alabama 1977 — 1979
5th Third Bank September 2008 - Present
Real Estate Recovery Resources, LLC March 2008 - Present
Saxon Mortgage December 2006 - March 2008
Fremont Investment and Loan 2004 - 2006
Associates Financial Services 1980 - 2005
Education
Sullivan University 1966 — 1970
Carrington Mortgage Services September 2011 - Present
Atlantic & Pacific Real Estate (CA), Inc April 2009 - October 2011
Saxon Mortgage, Inc, A Morgan Stanley Company January 2007 - March 2008
Saxon Mortgage January 2007 - March 2008
Fremont Investment and Loan July 2002 - December 2006
Associates Financial Services 1990 - 2002
CitiFinancial November 1990 - July 2001
Skills
Managerial Finance, Recruiting, P&L Responsibility, Mortgage Lending, Supervision, Mortgage Banking, Loan Origination, Loans, FHA, Credit, Real Estate, Underwriting, Team Building, Executive Management, Residential Mortgages, Loss Mitigation, Loan Servicing, Strategic Planning, Negotiation
Education
Arizona State University 1981 — 1985
BS Finance, Finance, Accounting, Marketing
Wheat Ridge High School 1978 — 1981
Carrington Investment Services January 2013 - Present
Carrington Mortgage Services December 2008 - Present
Saxon Home Mortgage, A Morgan Stanley Company June 2006 - July 2008
Fremont General 2001 - 2006
Fremont 2001 - 2006
CitiFinancial 2000 - 2001
Associates Financial Services 1981 - 2001
Skills
Mortgage Lending, FHA, Residential Mortgages, Loan Origination, Loans, Refinance, Underwriting, Mortgage Banking, Loss Mitigation, Credit, REO, Banking, Real Estate Economics, FHA financing, VA loans, Real Estate, Real Estate Financing, Financial Services, Reverse Mortgages, Mortgage Servicing, Default, Certified Mortgage..., Consumer Lending, Risk Management, Loan Servicing, Construction Loans, Credit Analysis, USDA, Financial Structuring, Finance, Portfolio Management, Sales, Commercial Lending, Foreclosures, Executive Management, Asset Management, Commercial Mortgages, Relationship Management, Mortgage Underwriting, Government Loans, Title Insurance, Investments, Funding, Credit Risk, Investment Properties, Wholesale Lending, Rates, Small Business Lending, Secondary Market, Closings
Education
University of Kentucky 1978 — 1981
University of Kentucky
Precision Mortgage Processing, LLC January 2013 - Present
ATA Family Martial Arts of Castle Rock February 2008 - Present
Oxford Mortgage Company October 2010 - December 2012
Realty One, Inc. January 2002 - January 2008
Associates Financial Services March 1980 - May 1995
Skills
Patience, Teaching, Negotiation, Customer Service, Real Estate, Public Speaking, Coaching, Team Building, Microsoft Office, Advertising, First Time Home Buyers, Contract Negotiation, Fitness, Leadership, Martial Arts, Training
Education
University of Colorado Colorado Springs 1979 — 1980
Central High School 1975 — 1979
Diploma, Math, Science
Bank of America May 2011 - Present
Owens Consulting Services LLC April 2008 - May 2011
Lehman Mortgage Capital March 2007 - March 2008
Option One Mortgage May 2005 - February 2007
H & R Block Mortgage November 1997 - June 2005
Associates Financial Services July 1993 - November 1997
Skills
Management, Management Consulting, Banking, Mortgage Lending, Sales, Leadership, Operations Management, Mortgage Banking, Loan Origination, Process Improvement, Risk Management, Finance, Credit, Strategic Planning, Refinance, Portfolio Management, Loans, Credit Risk, Residential Mortgages, Vendor Management, Business Development, Strategy, Team Building, Financial Analysis, FHA
Education
DeSales University 1980 — 1984
BA, Accounting & Business
Waypoint Homes April 2013 - Present
American Homes 4 Rent June 2012 - April 2013
Southern Lakes and Leisure July 2007 - June 2012
Washington Mutual 2006 - 2007
Conseco 2000 - 2004
Associates Financial Services 1998 - 2000
Norwest Financial 1994 - 1998
Skills
Real Estate, Mortgage Lending, Loans, Underwriting, Contract Negotiation, Credit, Loan Origination, Real Estate Development, Real Estate Transactions, Investment Properties, Real Estate Economics, Investors, Commercial Real Estate, Condos, FHA, First Time Home Buyers, Foreclosures, Leases, Property, Property Management, REO, Residential Homes, Relocation, Sellers, Selling, Short Sales, Single Family Homes, Real Estate Financing, Rentals, Referrals, Sales
Education
Angelo State University 1989 — 1993
Bachelor of Business Administration (B.B.A.)
Lampasas High School 1985 — 1989
hughes family vineyrards CEOThe Associates
The Associates 1996 - 2000
Associates First Capital 1994 - 2000
Associates Financial Services 1994 - 2000
Skills
Management, Corporate Finance, Philanthropy, Viticulture, Corporate Communications
Education
Miami University 1964 — 1969
BS MBA, Marketing
Wells Fargo July 2013 - Present
Wells Fargo- Home Consumer Finance Group February 2007 - Present
Wells Fargo Financial 2003 - February 2007
Aureus Financial Services March 2000 - September 2003
Associates Financial Services January 1994 - March 2000
Skills
Process Improvement, Banking, Business Requirements, Analysis, User Acceptance Testing, Business Analysis, Management, Mortgage Lending, Risk Management, System Testing, New Business Development, Requirements Gathering, Requirements Analysis, SDLC, Vendor Management, Visio, Business Process..., Loans, Leadership, Credit, Mortgage Banking, Financial Services, Portfolio Management, Credit Analysis
Education
University of Northern Iowa 1988 — 1992
BA, Finance/Spanish
Hampton High
First Horizon/First Tennessee Bank January 2014 - Present
First Horizon/First Tennessee Bank April 2008 - December 2013
HSBC / Decision One Mortgage 1999 - 2007
Ocwen Financial Corporation 1998 - 1999
First Union National Bank 1995 - 1998
Associates Financial Services 1991 - 1995
Education
Grove City College 1987 — 1991
BA, Business Administration
Seal Transportation, Inc. February 2005 - Present
Seal Express LLC February 2010 - March 2013
US Xpress February 2003 - February 2005
Dunbar Armored 2003 - 2003
Glory Road Transportation 1989 - 2003
The Fidelity Bank of Indiana/Indiana National Bank 1984 - 1989
Associates Financial Services 1983 - 1984
Merchants National Bank May 1979 - August 1983
Woolco 1977 - 1978
Skills
Truckload, Trucking, Transportation, Transportation..., LTL, 3PL, Freight, Container, Logistics, Logistics Management, Warehousing, Shipping, Operations Management, Supply Chain, Supply Chain Management, Fleet Management, Dispatching, DOT regulations, Accounting, s, Safety Administration, Negotiating Fees, Supply Chain..., Distribution Center..., Income Statement, Contract Negotiation, Management, Leadership, Pricing, Strategic Planning, International Logistics, Transportation Planning, Freight Forwarding, Process Improvement, Flatbed, Customer Satisfaction, Forecasting, Inventory Management, Ocean, Hiring, Training, P&L Management, Inventory Control, Purchasing, P&L
Education
Indiana University - Kelley School of Business 1979 — 1983
Bachelor of Science, Accounting
Bishop Chatard High School 1975 — 1979
GE Healthcare October 2006 - Present
Wisconsin Community Services January 2000 - September 2006
National Loan Solicitor Associates September 1998 - January 1999
Associates Financial Services December 1995 - September 1998
Education
Cardinal Stritch University 2005 — 2007
MBA, Business
Virginia Commonwealth University - School of Business 1988 — 1992
BS
Colonial Funding Group, LLC October 2013 - Present
Pathfinder Equity Holdings, LLC July 2012 - Present
The Five Star Institute November 2012 - February 2013
Bayview Loan Servicing, LLC January 2008 - July 2012
Bayview Financial January 2001 - July 2012
Bayview First Funding February 2001 - January 2008
Associates Financial Services August 1997 - December 2000
Skills
Business Development, Strategic Planning, Asset Managment, Loss Mitigation, Asset Management, Loans, Mortgage Lending, Team Building, Mortgage Servicing, Risk Management, Leadership, Loan Servicing, Banking, Underwriting, Loan Origination, Management, Call Centers, Portfolio Management, Executive Management, Finance, Investments, Mortgage Banking, Mergers & Acquisitions
Education
North Carolina State University
N/A July 2009 - Present
National Creditors Connection, Inc. September 2008 - July 2009
Fremont Investment and Loan July 2006 - January 2008
Associates Financial Services 1991 - 2000
Skills
Microsoft Office, Microsoft Excel, Asset Managment, Business, Customer Service, Credit, Foreclosures, Office Management, Quality Assurance, Problem Solving, Underwriting, Windows, Loss Mitigation, Asset Management, Business Analysis, Loans, Mortgage Servicing, Refinance, Mortgage Lending, FHA, Team Building, Leadership, Process Improvement, Loan Origination, Mortgage Banking, Residential Mortgages, Loan Servicing, Credit Analysis, Banking, Credit Risk, Risk Management, Executive Management, Finance, Financial Services, Mortgage Underwriting, Call Centers, Credit Cards, Short Sales, Financial Analysis, Default, Relationship Management, Real Estate Economics
Education
Texas State University-San Marcos 1982 — 1985
BBA, Finance
Retired and enjoying time with family August 2015 - Present
Wells Fargo September 2013 - August 2015
Semi Retired June 2012 - September 2013
Morgan Stanley February 1997 - May 2012
Nations Bank December 1995 - February 1997
Associates Financial Services 1972 - 1995
Skills
Credit, Risk Management, Financial Analysis, Loans, Portfolio Management, Banking, Mortgage Lending, Loan Origination, Loan Servicing, Series 7, Credit Analysis, Asset Management, Financial Services, Wealth Management, Credit Risk, Fixed Income, Securities, Capital Markets, Equities, Mutual Funds, Series 63, Private Banking, Strategic Financial..., Finance, Investments, Cash Management, Commercial Lending, Call Centers, Investment Banking, Relationship Management, Mortgage Banking, Derivatives
Education
University of Colorado Boulder 1985 — 1987
School of Banking
Otero Junior College 1968 — 1970
Keller Williams Realty Operations Mgr.Bank of Oklahoma, N.A.1999 - 2006
Associates Financial Services 1997 - 1999
Education
Tulsa Community College
Touchstone Communucations February 2003 - Present
Touchstone Communications 2003 - Present
Associates/Ford Consumer Finance 1990 - 1999
Citigroup (The Associates) 1967 - 1999
Associates First Capital Corp 1967 - 1999
Associates 1967 - 1999
Associates Financial Services 1967 - 1999
Citigroup (formerly The Associates) 1967 - 1999
Associates First Capital Corporation aka The Associates 1966 - 1999
Skills
Mortgage Banking, Call Center, Outlook, Business Services, Six Sigma, Operations Management, Call Centers, Entrepreneurship, Strategy, Executive Management, Outsourcing, Finance, Training, Vendor Management, Team Building, Sales Management, Leadership, BPO, Risk Management, Loans, Sales, Management, Performance Management, Customer Satisfaction, Team Leadership, Banking, Credit, Business Analysis, Recruiting, Business Planning, CRM, Customer Experience, Human Resources, Team Management, Workforce Management, Change Management, Coaching, Telemarketing, Customer Retention, Start-ups, Strategic Planning, Business Development, Process Improvement, Business Strategy, Business Process..., Time Management, Lead Generation, Analysis, Forecasting, Organizational...
Education
University of Pittsburgh 1984 — 1988
BS, Psychology
Avon 2004 - Present
Deep South Financial Services August 1998 - May 2004
Lafayette Parish 911 June 1997 - August 1998
Castilles Finance 1994 - 1997
Hilton's Finance 1992 - 1993
TCA Cable October 1986 - 1992
New York University 1981 - 1986
Associates Financial Services May 1976 - 1981
American Acceptance Financial Services 1973 - 1976
Skills
Microsoft Office, Customer Service, Management, Advertising, Public Relations, Public Speaking, Cosmetics, Beauty Industry, Skin Care, Gifts, Direct Sales, Merchandising, Retail, Luxury Goods, Sales, Fashion, Makeup Artistry, Retail Sales, Visual Merchandising
Education
University of Louisiana at Lafayette 1973 — 1978
Education, Home Economics
University of Louisiana at Lafayette 1973 — 1977
Consumer Financial Protection Bureau October 2012 - Present
Citigroup July 2007 - September 2012
Citigroup May 2005 - July 2007
CitiFinancial 2005 - 2007
Chesapeake Appraisal and Settlement Services May 2004 - June 2005
Associates Financial Services 1999 - 2001
Skills
Research, Networking, Finance, Policy Analysis, Sarbanes-Oxley, System Administration, Auditing, Management, Internal Audit, Policy, Internal Controls, Analysis, Accounting, Business Process, Financial Analysis, Project Management, Risk Management, Sarbanes-Oxley Act, Banking, Strategic Planning
Education
Dickinson College 1995 — 1999
Degree: Bachelor of Arts, International Business and Management
The Kiski School 1991 — 1995
American Fidelity Mortgage Services, Inc. 2002 - Present
Associates FInancial Services 1999 - 2000
Skills
FHA financing, FHA, Mortgage Lending, First Time Home Buyers, Refinance, VA loans, Government Loans, Reverse Mortgages, Mortgage Underwriting, Commercial Lending, Certified Mortgage..., Home Equity Loans, Foreclosures, Loan Origination, Residential Homes, Investment Properties, Finance, Loans, Investors, Short Sales, REO, HUD, Residential Mortgages, Underwriting, Banking, USDA, Credit Analysis, Mortgage Banking, Sellers, Home Equity Lines of..., Investments, Credit, Real Estate Financing, Loss Mitigation, Referrals, Real Estate Economics, Mortgage Marketing, Construction Loans, Real Estate, Commercial Mortgages, Non-Conforming, Real Estate Transactions, Single Family Homes, Vacation Homes, Rates, Loan Modifications, Condos, Move Up Buyers, 203K, Debt Consolidation
Education
University of Illinois at Chicago
BS, Elementary Education
Christian Capital Group, Inc. January 2006 - Present
Millennium Real Estate Services Group, Inc January 2001 - June 2006
National Equity Resources, Inc. May 1996 - December 2000
Associates Financial Services March 1992 - December 1994
Household Finance August 1985 - September 1992
Skills
Strategic Planning, Team Building, Project Management, Contract Negotiation, Fundraising, Investments, Public Speaking, Leadership, New Business Development, Budgets, Sales Management, Banking, Loans, Entrepreneurship, Real Estate, Microsoft Excel, Management, Risk Management, Leadership Development, Financial Analysis, Marketing, Negotiation, Business Planning, Due Diligence, Customer Service, Portfolio Management, Microsoft Office, Training, Event Planning, Marketing Strategy, Finance, Team Leadership, Financial Modeling, Management Consulting, Social Media, Insurance, Process Improvement, Sales, Coaching, Strategy, Organizational..., Change Management, Program Management, Small Business
Education
North Carolina Professional Studies 1991 — 1992
Executive Certification Process, Dr. Jerry Bell Leadership Institute
Defiance College 1982 — 1985
Bachelor of the Arts, Criminal Justice & Spanish
The Defiance College 1982 — 1985
B.A., Criminal Just
University of Cincinnati 1981 — 1982
Political Science
Westland High School 1978 — 1981
College Prep
Touchstone Communications Chairman/CEOTouchstone2003 - Present
Associates 1967 - 1999
Associates Financial Services 1967 - 1999
Education
University of Pittsburgh 1982 — 1988
BS, Psychology
Citi, Citgroup Technology January 2013 - Present
Citibank August 2010 - January 2013
Citi September 2005 - August 2010
CitiMortgage March 2001 - August 2005
Associates Financial Services 1998 - 2001
Associates Financial Services 1981 - 1998
Skills
Governance, Risk Management, Internal Controls, Process Control, Information Security, Business Process..., Process Improvement, Process Engineering, Technical Standards, Standards Compliance, Information Technology, Standards Development, Software Development..., Policy Analysis, Organizational..., Management, Business Analysis, IT Project Leadership, Program Management, Project Governance, IT Project & Program..., Financial Risk, Banking, Credit, Financial Services, Auditing, Sarbanes-Oxley Act, IT Strategy, Vendor Management, PMO, Credit Risk, Common Core State...
Education
Abilene Christian University 1977 — 1981
BA, Psychology
Platinum Home Mortgage Corporation September 2008 - April 2011
Countrywide Home Loans October 2002 - August 2008
Conseco Finance October 2001 - October 2002
Chase Manhattan Funding April 2000 - October 2001
Plaza Mortgage Group October 1994 - April 2000
Associates Financial Services January 1993 - October 1994
Education
Louisiana State University 1987 — 1991
Finance
Nationstar Mortgage November 2009 - October 2013
Nationstar Mortgage November 2009 - October 2013
CitiMortgage October 1973 - December 2008
Citigroup 1973 - 2008
Citi 1973 - 2008
Associates Financial Services 1973 - 2008
Skills
Mortgage Banking, Forecasting, Strategy, Direct Marketing, Credit, Marketing, Financial Services, Relationship Management, Mortgage Lending, Credit Cards, Loans, Team Building, Consumer Lending, Risk Management, Customer Service, Loan Origination, Loan Servicing, Banking, Customer Acquisition, Account Management, Vendor Management, Budgets, CRM, Residential Mortgages, Strategic Planning, Finance, Executive Management, Sales, Financial Analysis, Underwriting, Sales Management, New Business Development, Portfolio Management, Leadership, Management, Marketing Strategy, Lead Generation, Cross-functional Team..., Database Marketing, Credit Analysis, Process Improvement, Business Development, Analytics
Education
Ball State University 1968 — 1972
B.S., Elementary Education
mobilitymatters, LLC August 2015 - Present
Berkshire Hathaway HomeServices August 2009 - August 2015
MBNA July 1996 - September 1997
MBNA May 1995 - July 1996
PHH Vehicle Management Services June 1988 - May 1995
PHH June 1988 - May 1995
Associates Financial Services July 1987 - June 1988
Skills
Real Estate, Selling, Relocation, Sales, Buyer Representation, Management, Listings, Marketing
Education
The Johns Hopkins University - Carey Business School 1990 — 1992
MS, Business
Westminster College 1983 — 1987
B.A, Economics
BMO Bank of Montreal January 2005 - Present
TD April 2002 - January 2005
Associates Financial Services 1999 - 2002
Credit Association of Canada Windsor Chapter January 1996 - January 1997
Mitel February 1983 - July 1985
Skills
Commercial Credit, Commercial Banking, Credit Analysis, Loans, Credit, Commercial Lending, Small Business Lending, Consumer Lending, Mortgage Lending, Credit Risk, Commercial Mortgages, Portfolio Management, Investments, Relationship Management, Banking, Finance
Education
St. Lawrence College 1979 — 1981
Bussiness Admin., Marketing
Inter-Lakes Community Action Partnership August 2008 - Present
Associates Financial Services February 1996 - April 2000
US Army March 1989 - April 1997
Skills
Editing, Community Outreach, Fundraising, Nonprofits, Grant Writing, Policy, Non-profits, Public Speaking, Volunteer Management, Public Relations, Community Development, Program Development, Grants
Education
Dakota State University 2005 — 2008
Bachelor of Arts (B.A.), Interdisciplinary Studies
Sunverge Energy, Inc. 2014 - Present
International Resources Group January 2011 - Present
Duraflame, Inc September 2009 - 2010
Lodi Metal Tech 2006 - July 2009
Dana Corporation January 2005 - September 2006
Fuel Total Systems 2002 - 2005
Vollmer Daniel Gaebe & Grove LLP 2000 - 2002
National Diversified Sales 1997 - 2000
Associates Financial Services 1988 - 1997
Skills
Consistant, Accurate,..., SOX 404 / Internal..., Cost Accounting, Tax Planning, Budgeting, Forecasting, Manufacturing Accounting, Generally Accepted..., Stream line processes &..., Financial Analysis..., Integrity and Honesty, Team Building &..., High Output Work Rate, Certified Public..., Certified Management...
Education
Regents College
B.S., Accounting
University of San Francisco 1989 — 1990
Applied Economics
Chabot College 1985 — 1989
AA, Marketing
Chabot College
AA, Busines Administration
Eureka
Central Bank Illinois January 2006 - Present
Unionbancorp March 1994 - December 2005
Citzens First State Bank of Walnut November 1983 - March 1994
Associates Financial Services 1978 - 1983
Skills
Loans, Banking, Agriculture, Commercial Real Estate
Education
Lewis University 1994 — 1997
BA, Finance
Graduate School of Banking 1988 — 1990
Certificate, Bank Management
Ag Bank Managementg School - ISU 1986 — 1987
Certificate, Agricultural Bank Management
Illinois State University 1981 — 1985
Certificate, Agricultural Lending School
Michigan State University 1972 — 1973
Lake Michigan College 1970 — 1972
AS, Engineering
Sprint 2003 - Present
Sprint 1999 - 2003
Associates Financial Services 1996 - 1998
Skills
SDLC, Program Management, PMP, Software Project..., Vendor Management, PMO, Telecommunications, Project Management, Requirements Analysis, Integration, Business Process..., Business Analysis, Visio, Cross-functional Team..., Process Improvement, Project Portfolio...
Education
Columbia University - Fu Foundation School of Engineering and Applied Science 2003 — 2007
Master of Science, Operations Research
Rice University 1993 — 1996
B.A. Economics, Microeconomics, Asian Studies
AMC November 1999 - Present
Alexandria's Marketing November 1999 - Present
Associates Financial Services October 1989 - August 1994
Education
University of Notre Dame - Mendoza College of Business 2007 — 2008
Executive Management
University of Minnesota - Carlson School of Management 2000 — 2000
Executive Management
Gateway Mortgage Group September 2013 - Present
First United Bank Mortgage October 2005 - August 2013
Wells Fargo Home Mortgage November 2002 - October 2005
Homegold Financial, Inc March 2002 - November 2002
Associates Financial Services April 1997 - March 2002
Skills
Mortgage Lending, Underwriting, Loan Origination, Refinance, Residential Mortgages, Credit, Mortgage Banking, Sales, Sales Management, Program Management, Loans, Operations Management, Management, Banking, Leadership
Education
University of Houston 1986 — 1991
BS, Psychology
US Small Business Administration July 2013 - Present
US Department of Homeland Security September 2011 - July 2013
Severn Trent Services November 2007 - September 2011
ArchivesOne December 2001 - March 2007
Navy Federal Credit Union January 2000 - December 2001
Associates Financial Services January 1993 - October 1998
UH Alumni 1988 - 1990
UH Alumni 1988 - 1990
UH Alumni 1988 - 1990
Skills
Records Management, Document Management, Information Management, Policy, Government, Software Documentation, Project Management, Program Management, Governance, SharePoint, Stakeholder Management, Strategic Planning, Project Planning, Community Outreach, Budgets, Management, Administration, Small Business Lending, Commercial Lending, Entrepreneurship, Credit Analysis, Collections, Mortgage Lending, SBA, Sales, Elections, Financial Analysis, Leadership, Proposal Writing, Leadership Development, Banking, Risk Assessment, Business Analysis, Contract Management, Operations Management, Contract Negotiation, Business Development, Team Building, Recruiting, Coaching, Emergency Management, CRM, Customer Retention, System Administration, Loans, Credit, Portfolio Management, Financial Modeling, Business Strategy, Risk Management
Education
Federal executive Board High Performance Leadership Program Class of 2015 2015 — 2015
Organizational Leadership
University of Hawaii at Manoa 1988 — 1992
Bachelor of Arts, Political Science and Government
Montana Health Federal Credit Union November 2012 - Present
Helena Community Credit Union September 2000 - November 2012
Associates Financial Services September 1998 - August 2000
Skills
Loans, Financial Services, Training, Banking, Credit, Financial Analysis, Strategic Planning, Consumer Lending, Team Building, Commercial Lending, Small Business Lending, Sales Management, Loan Origination, Finance, Mortgage Lending, Negotiation, Risk Management
Education
The University of Montana - School of Business Administration 2009 — 2011
mba, MBA
Carroll College 1991 — 1995
BA, History
Sedgwick CMS February 2000 - Present
Associates Financial Services May 1996 - February 2000
Education
Eastern Washington University 2001 — 2002
BA
Gonzaga University - School of Business Administration 1993 — 1996
BA
Citi September 1987 - Present
CitiGroup 1987 - Present
Associates September 1987 - January 2000
Associates Financial Services 1987 - 2000
Education
Tulane University Law School 1984 — 1987
JD
The University of Texas at Arlington 1982 — 1985
BS, Economics
Charles Hartsell Insurance January 1990 - Present
Associates Financial Services 1981 - 1988
Associates Financial Services 1981 - 1988
Associates January 1981 - October 1987
HFC May 1974 - January 1981
Education
Methodist University 1968 — 1972
BA, Sociology and psychology
Methodist University 1968 — 1972
B A, PSY/SOCIOLOGY
Fayetteville high School
Diploma
IHSAA 2010 - Present
WorkOne March 2009 - Present
Village Pantry August 2004 - March 2009
Western Wayne Schools September 2001 - May 2004
Shastar Rent and Own August 1988 - May 2001
Associates Financial Services January 1996 - June 1998
Rent to Own January 1995 - January 1996
United States Army October 1990 - October 1994
Skills
Strategic Planning, Project Management, Change Management, Negotiation, Research, Budget, Team Building, Project Planning, Program Management, Team Leadership, Business Strategy, Public Relations, Customer Service, Budgets, Government, Community Outreach, Sales, Management, Process Improvement, Analysis, Retail, Workforce Development, Organizational..., Training, Leadership Development, Policy, Leadership, Resume Writing, Employee Relations, Military, Supervisory Skills, Human Resources, Teaching, Marketing, Career Counseling, Teamwork, System Administration, Conflict Resolution, Process Scheduler, Recruiting, Administration, Online Social Networking
Education
Hanover College 1985 — 1989
BA, Business Administration
Lincoln High School 1980 — 1984
College Prep
CNA Insurance September 2013 - Present
Mitsui Sumitomo Insurance Group May 2010 - September 2013
ONE BEACON INSURANCE September 2002 - December 2009
PMA Insurance Group December 2001 - September 2002
HANOVER INSURANCE COMPANY June 1986 - December 2001
TRANSAMERICA INSURANCE COMPANY May 1985 - June 1986
SENTRY INSURANCE COMPANY October 1984 - April 1985
ROYAL INSURANCE COMPANY April 1979 - October 1984
ASSOCIATES FINANCIAL SERVICES August 1978 - April 1979
Education
Tennessee State University 1974 — 1978
B.S, Business Management
Network Financial Services, Inc. September 1994 - December 2009
Associates Financial services 1986 - 1989
Skills
Short Sales, Sellers, Buyer Representation, First Time Home Buyers, Foreclosures, Single Family Homes, Listings, REO, New Home Sales, Relocation, Investment Properties, Condos, Real Estate, Investors, Residential Homes, Townhomes, Rentals, SFR, ABR, Referrals
Education
Community College of Rhode Island 1982 — 1984
Associate of Science (A.S.), Business Management
North Providence High School 1978 — 1982
RS Financial Consultants, LLC July 2013 - Present
Colorado Department of Revenue October 2011 - June 2013
Fair Collections & Outsourcing August 2007 - August 2009
Linebarger Goggan Blair & Sampson, LLP (Machol & Johannes PC) April 2002 - August 2007
Message Media, Inc May 2000 - February 2001
Williams Communications, Inc April 1999 - December 1999
American Parts Systems, Inc July 1997 - March 1999
Citicorp/Diners Club August 1991 - June 1997
Associates Financial Services March 1981 - June 1991
Skills
Operations Management, Legal Process..., Customer Service..., Customer Service, Management, Call Centers, Training, Data Entry, Customer Retention, Human Resources, Leadership, CRM
Education
Metropolitan State College of Denver 2006 — 2015
In Progess, BS in Management
Pima Community College 1977 — 1980
Associates, Business
America West Homes, LLC May 2011 - Present
Klip BioTechnologies April 2012 - 2015
Pacific Heights Homes, LLC October 2009 - June 2011
Holly 100 Properties Inc 2008 - 2010
DP Miller Construction 2006 - 2008
Premium Lending 2003 - 2006
Sierra Pacific Mortgage 2000 - 2003
Salmon Bay Mortgage 1999 - 2000
Mortgage One 1998 - 1999
Associates Financial Services 1993 - 1998
Skills
Project Finance, Financial Analysis, Tactical Planning, Budget Management, Deal Structuring, Construction Accounting, Project Implementation, Asset Based Lending, Credit Risk, Acquisition Analysis, Contract Management, Efficiency Improvement, Due Diligence, Land Acquisition, Contract Negotiation, Real Estate Finance, Residential Buildings, Change Management, Construction Management, Construction Documents, Consumer Lending, Private Lending, Strategic Consulting, Creative Concept..., Real Estate Development, Personnel Assessment
Education
Eastern Washington University 1989 — 1993
BA, Finance & Economics, Magna Cum Laud
Disney University
Hospitality and Recreation Marketing Operations
1-800-DryClean October 2007 - Present
Real Estate Loan Services 2002 - 2007
American General Finance 2000 - 2002
Associates Financial Services 1995 - 2000
Skills
Customer Service, Franchising, Marketing, Small Business, Sales Management, Entrepreneurship, Franchise Consulting, New Business Development, Sales, Marketing Strategy, Team Building, Strategic Planning, Budgets
Education
The University of Memphis
B.S., Finance
Hewlett-Packard December 2013 - Present
Hewlett-Packard April 2001 - Present
Hewlett Packard 2001 - Present
Micron Technology January 1998 - April 2001
Associates Financial Services September 1995 - January 1998
Monsanto, Corn States LLC July 1988 - September 1995
Skills
Enterprise Architecture, Business Analysis, ITIL, Market Research, Data Mining, Data Warehousing, Solution Architecture, Integration, Analytics, IT Strategy, IT Service Management, Unix
Education
Northern Illinois University 2000 — 2003
MBA, Accounting, Operations Research
Utah State University 1982 — 1986
B.S., M.S., Economics, Operations Research, Mandarin Chinese
FedEx Trade Networks 2003 - Present
LocalEdge 2001 - 2002
Dulcian 1999 - 2001
Oracle 1997 - 1999
Dulcian 1996 - 1997
Associates Financial Services 1994 - 1996
Skills
Oracle, Oracle PL/SQL..., Software Development, Unix, Database Design, Systems Analysis, Requirements Gathering, EDI, Project Management, Process Improvement, Toad, Unix Shell Scripting, XML, SharePoint, Oracle Applications, Oracle Forms, Oracle Reports, XML Spy, Eclipse, Oracle Designer, Data Modeling, Data Migration, WebSphere MQ
Education
SUNY Fredonia
BA, Economics
Home Savings of America February 2011 - Present
Aurora Loan Services February 2005 - January 2011
Green Point Credit October 2000 - January 2005
Associates Financial Services November 1992 - October 2000
Skills
Mortgage Lending, Loans, Credit, Account Management, Mortgage Banking, Sales, Salesforce.com, Underwriting, Sales Management, Cold Calling, Residential Mortgages, Direct Sales, Loan Origination, Banking, New Business Development, Selling, Business Development, Sales Process, FHA, B2B
Education
University of California, Irvine 1989 — 1992
Dixie State College 1985 — 1989
The Finance Company, LLC September 2009 - Present
C.W. Financial of SC LLC August 2007 - September 2009
B.F. Motor Credit, Inc. March 2000 - August 2007
Associates Financial Services October 1981 - September 1999
Skills
Loans, Credit, Mortgage Banking
Education
Presbyterian College 1977 — 1981
BS
Clearview Federal Credit Union January 2009 - Present
Associates Financial Services November 1995 - July 2001
OfficeMax November 1991 - August 1995
Skills
Banking, Process Improvement, Loans, Visio, Risk Management, Team Building, Analysis
Education
Mountain State University 2009 — 2012
B.S., Organizationall Leadership
Jefferson Morgan School District August 2013 - Present
Merck March 2001 - August 2013
Bentworth Area School District August 1997 - March 2001
Virgin Auto Sales January 1996 - September 1997
Cloverleaf Local School District September 1991 - June 1996
Associates Financial Services August 1988 - July 1989
Skills
Excel, Customer Service, Word, Customer Relations, Microsoft Office
Education
California University of Pennsylvania 1989 — 1990
Masters/Education
California University of Pennsylvania 1984 — 1988
Bachelor of Science (B.S.), Finance, General
Las Cruces Public School District August 2006 - Present
Associates Financial Services February 1990 - June 1997
Education
New Mexico State University
BS, Elementary Education
Acura Title Co. January 1999 - Present
Delaware Savings Bank 1994 - 1999
Associates Financial Services 1980 - 1993
Skills
REO, Loans, Sellers, Loan Origination, Mortgage Lending, Real Estate Transactions, Refinance, FHA, Short Sales, Real Estate
Education
Bryant University 1976 — 1978
BS, Business Management
. Branch ManagerCitiFinancial Canada IncMay 2001 - December 2011
Associates Financial Services January 1999 - May 2001
Superior Acceptance April 1995 - January 1999
Skills
Consumer Lending, Customer Service, Mortgage Lending, Underwriting, Training, Collections, Office Management, Sales Management, Refinance, Leasing
Education
UBC Faculty of Commerce and Business Adminisitration 2001 — 2001
Real Estate Salesperson and Sub-Mortgage Broker's Licence, 94%
Simon Fraser University 1990 — 1995
Criminology, Psychology
Kitsilano Secondary School, Vancouver, BC 1986 — 1990
Honours Standing, Mathematics Scholarship
EY July 2014 - Present
Capital One 2003 - 2012
Price Waterhouse Management Consultants 2000 - 2003
FICO 1998 - 2000
USAA 1992 - 1998
Associates Financial Services 1984 - 1992
Skills
Credit Risk, Risk Management, Financial Analysis, Credit Analysis, Risk Assessment, Management, Marketing Strategy, Statistical Modeling, Global Regulatory..., Credit Lending, Analytics, Predictive Analytics, Predictive Modeling
Education
NYU Stern School of Business 2012 — 2013
Master of Science (MS), Risk Management
University of California, Berkeley 1987 — 1990
Bachelor of Arts (BA), Economics
NYCT-MTA January 1982 - Present
Associates Financial Services January 1979 - November 1981
United States Air Force September 1976 - October 1978
Skills
Inventory Management, Labor..., Warehousing, Team Building, Logistics Management
Education
Kingsborough Community College
Central Minnesota Credit Union September 2010 - Present
Central Minnesota Credit Union January 2009 - Present
Associates Financial Services March 2008 - August 2009
Pine Country Bank August 1999 - December 2008
Skills
Microsoft Office, Microsoft Excel, Microsoft Word, Customer Service, PowerPoint, English, Research, Windows, Outlook, Photoshop, HTML, Banking, Team Leadership, Consumer Lending
Education
Albany High School
St. Cloud State University
Bachelor of Business Administration (B.B.A.), Accounting
Cloud County Community College Loan Secretary & TellerUMB BankSeptember 1980 - July 2005
Associates Financial Services May 1969 - September 1980
Education
Cloud County Community College 1966 — 1968
Associates of Arts, Education
Clyde High School
Union Bank & Trust July 2013 - Present
BB&T April 2004 - July 2013
Pioneer Bank September 2001 - March 2004
State Farm February 1999 - August 2001
Associates Financial Services May 1994 - February 1999
Bank of America May 1992 - May 1994
Skills
Finance, Small Business Lending, Loans, Leadership, Consumer Lending, Banking, Commercial Banking, Mortgage Lending, Commercial Lending, Credit Analysis, Lines Of Credit, Credit, Loan Origination, Retail Banking, Mortgage Banking, Treasury Management, Branch Banking, Branch Management, Deposits, Customer Service
Education
James Madison University 1991 — 1993
William Monroe High School
Averett University
Bachelor of Business Administration
Atlas Performance Industries, Inc. 2005 - Present
Mid State Bank & Trust 2000 - 2005
Associates Financial Services 1997 - 2000
Interventional Therapeutics Corporation (ITC) 1993 - 1995
Skills
Construction, Budgets, Strategic Planning, New Business Development, Operations Management, Sales Management, Negotiation, Project Estimation, Team Building, Customer Service, Customer Retention, Human Resources, Committed to..., Business Development, Commercial Banking
Education
California Polytechnic State University-San Luis Obispo 1989 — 1993
Business Administration and Management, General
Geary County USD 475 August 2005 - Present
Associates Financial Services 1988 - 1992
Security Pacific Financial Services 1981 - 1988
Skills
Differentiated..., Classroom, Classroom Management, Lesson Planning, Educational Technology, Literacy, K-12
Education
Idaho State University 2004 — 2005
Master's Degree, Speech Communication and Rhetoric
Idaho State University 1999 — 2002
Bachelor of Science (BS), Secondary Education and Teaching
OneMain Financial - Citigroup March 2003 - Present
Citifinancial January 2000 - February 2003
Associates Financial Services April 1996 - December 1999
Education
State University of New York at Buffalo - School of Management 1986 — 1989
Bachelor's degree, Business Administration and Management, General
Clarkson University 1985 — 1986