Experience
Howard Bank  January 2014 - Present
FitzGerald Financial Group  February 2013 - January 2014
1st Mariner Mortgage   June 2011 - February 2013

Skills
Refinance, Mortgage Banking, Mortgage Lending

Education
Anne Arundel Community College   2012 — 2013
Business Administration and Management, General

Kent Island High School   2009 — 2012

Experience
1st Mariner Mortgage   September 2014 - Present
1st Mariner Mortgage   August 2011 - August 2014
Chevy Chase Bank  January 2008 - September 2010
BF Saul Mortgage   May 2006 - January 2008
BF Saul Mortgage   June 1992 - May 2006

Skills
Mortgage Banking, Mortgage Lending, Loans, FHA, Refinance, VA loans, FHA financing, Commercial Mortgages, Loan Origination, Government Loans, Residential Mortgages, Loss Mitigation, Retail Banking, Reverse Mortgages, Credit, Finance, Small Business Lending, Underwriting, Credit Analysis, Cross Selling, Certified Mortgage..., Banking, Financial Structuring, Commercial Lending, Appraisals, Consumer Lending, Home Equity Lines of..., Mortgage Underwriting, Investment Properties, Portfolio Management, Real Estate Financing, Residential Homes, Referrals, Credit Risk, USDA, First Time Home Buyers, REO, Investments, Loan Servicing, Home Equity Loans, Construction Loans, Risk Management, Financial Analysis, Branch Management, Commercial Banking, Foreclosures, Mortgage Servicing, Mortgage Marketing, Lines Of Credit

Education
University of South Carolina-Columbia   1980 — 1984
International Relations

St. John's College High School

St. John's College High School

Experience
AnnieMac Home Mortgage  September 2015 - Present
Direct Mortgage Loans  September 2014 - September 2015
PNC Mortgage  May 2013 - June 2014
Millennium Financial Group, Inc. dba Mlend   February 2011 - April 2013
1st Mariner Mortgage   February 2002 - December 2010

Skills
Financial Planners, Mortgage Lending, Credit, Foreclosures, Sellers, Loans, Realtor Relations, Strategic Consulting, Financial Planning, Finance, FHA Financing, Investment Properties, Real Estate, Referrals, Refinance, Residential Homes, FHA, First Time Home Buyers, Mortgage Banking, Residential Mortgages, Loan Origination, VA Loans, Investments, USDA

Education
University of Maryland College Park   1992 — 1994
BS, Information Systems Management

Bowie High School   1985 — 1989

Experience
Meridian Bank PA  May 2013 - Present
Allied Mortgage Group  June 2011 - June 2013
Fairway Independent Mortgage Corporation  November 2007 - June 2011
1st Mariner Mortgage   April 2007 - October 2007
SunTrust Mortgage Inc  March 2005 - March 2007
Citizens Bank  August 2000 - February 2006

Skills
First Time Home Buyers, Mortgage, Refinance, FHA, USDA, VA, Rehab Loans, Jumbo, Conventional, Debt Consolidation, Second Homes, Investment Properties, Loans, Credit, Mortgage Lending, Construction, Mortgage Industry, Marketing, Vacation Homes, Real Estate, Referrals, Underwriting, Mortgage Banking, Financial Analysis, Finance, Credit Analysis, Loan Origination, Residential Mortgages, Sellers, VA loans, Financial Services, Mortgage Marketing, Reverse Mortgages, FHA financing, Government Loans, Real Estate Financing

Education
University of Delaware - Lerner College of Business and Economics   2000 — 2004
Business Administration, Finance and Economics

Seaford Senior High School

Experience
1st Mariner Mortgage   September 2015 - Present

Skills
Mortgage Banking, Loans, Mortgage Lending, First Time Home Buyers, Investment Properties, FHA, Condos, Residential Mortgages, Finance, Loan Origination, FHA financing, USDA, VA loans, Foreclosures, Government Loans, New Business Development, Short Sales, Certified Mortgage..., Real Estate, REO, Referrals, Investors, Reverse Mortgages, Refinance, Residential Homes, Credit, Investments, Selling, Mortgage Underwriting, Sales, VA Loans, FHA Financing

Education
Salisbury   1986 — 1990
Bachelor of Science

Salisbury University   1986 — 1990

James M. Bennett   1981 — 1986

Experience
Stearns Lending (NMLS #1854)   September 2015 - Present
1st Mariner Mortgage   October 2013 - September 2015
Wells Fargo Home Mortgage Corporation   2005 - September 2013
Chase Manhattan Mortgage Corporation  1993 - 2005
Franklin Mortgage Capital   1988 - 1993

Skills
FHA, Mortgage Banking, VA loans, FHA financing, Mortgage Lending

Education
United States Military Academy at West Point   1974 — 1978
Bachelor’s Degree, General Engineering

University of Southern California   1985 — 1987
Master’s Degree, Information Systems Management

Experience
General Dynamics Information Technology  March 2009 - Present
CSC  October 2007 - March 2009
1st Mariner Mortgage   August 2005 - July 2007
Millennium Bank  April 2004 - August 2005
WASHINGTON MUTUAL BANK  April 2004 - August 2005

Skills
Accounts Receivable, Auditing, Internal Controls, Invoicing, Costpoint, Variance Analysis, Account Reconciliation, Government Contracting, Accounts Payable, Financial Reporting, Accounting, Sarbanes-Oxley Act, Financial Analysis, General Ledger, Forecasting, Finance, Management, Analysis

Education
George Mason University   1998 — 2002
Bachelor of Science, Decision Science & Management Information System AND

George Mason University - School of Business   1998 — 2002
Bachelor of Science, Management Information System

Experience
1st Mariner Mortgage   April 2008 - Present
First Republic Mortgage  August 2007 - April 2008
Community Home Mortgage  May 2000 - July 2007
First Republic Mortgage  October 1996 - May 2000

Skills
Residential Mortgages, Mortgage Lending, Mortgage Marketing, Loans, Finance, FHA, Investors, REO, Investment Properties, Real Estate, USDA

Education
University of Maryland College Park   1988 — 1996
BA, Economics

DeMatha Catholic High School   1984 — 1988

Experience
Inovalon  May 2014 - April 2015
Inovalon  October 2011 - May 2014
Next Generation Financial Services/1st Mariner Bank   November 2009 - April 2011
1st Mariner Mortgage   August 2002 - November 2009
Annapolis Realty   January 2000 - January 2002

Skills
Cross-functional Team..., Account Management, Marketing, Management, Budgets, Analysis, Human Resources, Marketing Strategy, Time Management, Event Planning, Project Planning, Leadership, Training, Project Management, Process Improvement

Education
Anne Arundel Community College
Graphic Design

Experience
Long & Foster Companies  June 2015 - Present
1st Mariner Mortgage   August 2012 - December 2014
JW Marriott  May 2011 - August 2011
Foulger Pratt  May 2010 - August 2010
Augusta National Golf Club  April 2010 - April 2010

Skills
PowerPoint, Microsoft Office, Event Planning, Microsoft Excel, Outlook, Research, Event Management, Loan Origination, Mortgage Banking, Customer Service, Mortgage Lending, Fixed Rate Mortgages, Jumbo Mortgage, Teamwork, FHA financing, First Time Home Buyers, Communication Skills, Residential Mortgages, Responsiveness, Public Relations, Real Estate, Photoshop, Economics, Contract Negotiation, Microsoft Word, Social Media, English, Public Speaking, Management, Underwriting, FHA, USDA, Construction Loans, VA loans, Home Equity Loans

Education
University of South Carolina-Columbia   2007 — 2011
Bachelor of Science, Hospitality

Lynchburg College   2006 — 2007

Experience
Severn Savings Bank  March 2014 - Present
The Washington Savings Bank  May 2011 - February 2013
1st Mariner Mortgage   March 1998 - July 2009

Skills
FHA financing, FHA, VA loans, USDA Rural Housing, USDA, Mortgage, Loans, Mortgage Lending, Mortgage Banking, Finance, Home Equity Loans, Foreclosures, Government Loans, Real Estate, Banking, Loan Origination, Construction Loans, Commercial Lending, Refinance, Home Equity Lines of..., Credit, Residential Mortgages, Reverse Mortgages, First Time Home Buyers, Referrals, Underwriting, Investment Properties, Short Sales, Single Family Homes, New Home Sales, Condos, Investors, Certified Mortgage..., REO, Residential Homes, Commercial Mortgages, Real Estate Financing, Consumer Lending, Non-Conforming, Mortgage Marketing, Credit Analysis, HUD, Rates, Mortgage Underwriting, Investments, Real Estate Economics, Real Estate Transactions, Debt Consolidation, Mortgage Servicing, Loss Mitigation

Education
University of Maryland College Park

Experience
Norcom Mortgage  September 2014 - Present
LendSmart Mortgage  February 2014 - September 2014
MBA Mortgage Services, Inc.   October 2013 - January 2014
Residential Finance  April 2013 - September 2013
Waterstone Mortgage Corporation  June 2011 - April 2013
1st Mariner Mortgage   2009 - 2011
1st American Trust Mortgage Corporation   March 1996 - July 2009
Cornerstone First Financial   1998 - 1999

Skills
Mortgage Lending, FHA, Investment Properties, First Time Home Buyers, Foreclosures, Loans, Short Sales, Refinance, REO, Investors, Referrals, Mortgage Banking, Residential Mortgages, Loan Origination, USDA, FHA financing, Reverse Mortgages, VA loans, Certified Mortgage..., Credit, Real Estate, Investments, Residential Homes, Real Estate Financing, Finance, Real Estate Economics, Government Loans, Mortgage Marketing, Mortgage Underwriting, Strategic Financial..., FHA Financing, Financial Planning, VA Loans

Education
University of Maryland College Park   1984 — 1989
Bachelor, Economics

Gaithersburg High School   1981 — 1984

Experience
1st Mariner Mortgage   October 2001 - Present

Education
Howard Community College

Experience
1st Mariner Mortgage   January 2002 - Present

Education
University of Maryland College Park

Experience
Atlantic Coast Mortgage, LLC  May 2015 - Present
1st Mariner Mortgage   June 2014 - April 2015

Skills
Photos, Weddings, Small Business, Customer Service, Microsoft Office, Photoshop, Event Management, Event Planning, Public Speaking, Social Media Marketing, Blogging, Fundraising, Social Media, Public Relations, Strategic Planning, Sales, Mortgage Lending, Management

Education
Marymount University   1999 — 2002
BS, Psychology & Education

Experience
Southern Trust Mortgage  December 2014 - Present
1st Mariner Mortgage   March 2014 - December 2014
1st Mariner Bank  December 2008 - December 2014
Baltimore American Mortgage   October 2005 - December 2008
Millenium Lending Group   2001 - 2005

Skills
FHA, VA, First Time Home Buyers, USDA, Mortgage Lending, Conventional, Purchase, Refinance, Investment Properties, Government Loans, VA loans, FHA financing, Mortgage Banking, Commercial Mortgages, Sellers, Loans, Residential Mortgages, Relocation, Finance, New Home Sales, Investors, Real Estate, Banking, Foreclosures, Single Family Homes, REO, Short Sales, Investments, Reverse Mortgages, Construction Loans, Loan Origination, Real Estate Financing, Certified Mortgage..., Referrals, Credit, Mortgage Underwriting, Underwriting, HUD, Commercial Lending, Real Estate Economics, Loss Mitigation, VA Loans, FHA Financing

Education
Essex Community College

Loch Raven High   1989 — 1993

Experience
1st Mariner Mortgage   July 2012 - November 2013
Universal Mortgage & Finance  January 2012 - January 2012
NJ Lenders   August 2011 - December 2011
Millennium Finance Group dba Mlend   July 2010 - August 2011
Benefit Funding Corporation  October 2009 - June 2010
Amerifund Mortgage Services   May 2008 - October 2009

Skills
FHA, Refinance, Mortgage Lending, Mortgage, VA, Conventional, USDA, VA loans, FNMA

Education
Prince George's Community College   1996 — 2001
Associates in Arts, English, Business, High Honors

Suitland Senior High School   1967 — 1970
High School Diploma, College, Top 10% of class

Experience
Howard Bank  March 2014 - Present
PNC Mortgage  December 2012 - 2013
1st Mariner Mortgage   October 2001 - October 2012

Skills
Mortgage Lending, Mortgage Banking, Residential Mortgages, FHA financing, Banking, Commercial Banking, Construction Loans, Government Loans, Consumer Lending, Loans, Commercial Mortgages, FHA Financing, Short Sales, Refinance, FHA, First Time Home Buyers, Investment Properties, Loan Origination, Real Estate, Foreclosures

Education
Howard Community College