Sebonic Financial
Industry: Company
DescriptionFounded: 2013 Parent organization: Cardinal Financial Company, Limited Partnership
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Sebonic Financial Employees
Sebonic Financial June 2013 - Present
RoundPoint Financial Group January 2012 - June 2013
NFM January 2011 - January 2012
AltaBanc Financial February 2010 - January 2011
New York Life Insurance Company August 2008 - July 2009
First Savings Mortgage March 2006 - June 2006
AltaBanc Financial June 2002 - March 2006
Tragara Ristorante September 1994 - June 2002
Skills
Mortgage Lending, Financial Structuring, Mortgage Banking, VA loans, USDA, FHA financing, Encompass, Sales, Insurance, Management, Golf, Networking, Restaurants, Internet Leads, Loan Origination, Loans
Education
American University
Sebonic Financial February 2015 - Present
Paramount Equity September 2014 - February 2015
RoundPoint Financial Group August 2013 - September 2014
NFM October 2012 - August 2013
New Day Financial August 2008 - October 2012
Countrywide Full Spectrum Lending April 2007 - August 2008
First NLC August 2006 - April 2007
Skills
Mortgage Banking, Marketing, Microsoft Excel, Business Development, Sales, Mortgage Lending, FHA, Loan Origination, Customer Service, Credit, New Business Development, Loans, Disability Insurance, Negotiation, Financial Analysis, Financial Modeling, Finance, Sales Management, Refinance, Insurance, Residential Mortgages, Reverse Mortgages, VA loans, FHA financing, Government Loans, FHA Financing
Education
University of Maryland Baltimore County 2002 — 2006
BS, Financial Economics
Sebonic Financial July 2013 - Present
Remedy MBT October 2013 - November 2014
Volvo Trucks December 2010 - July 2012
High Point University February 2009 - December 2010
VF Corporation 2008 - 2008
VF Services 2005 - 2008
VF Jeanswear 2003 - 2004
PricewaterhouseCoopers 1999 - 2003
American Express 1997 - 1999
Skills
Administration, Event Planning, Invoicing, Human Resources, Microsoft Excel, Microsoft Office, Networking, PowerPoint, Forecasting, Microsoft Word, Process Improvement, Recruiting, Social Media, Social Networking, System Administration, Time Management
Education
Greensboro College
Business Economics
Kneaded Energy School of Massage 2010 — 2011
LMBT, Massage Therapy/Therapeutic Massage
Ethos Lending LLC June 2014 - Present
Sebonic Financial May 2013 - June 2014
RoundPoint Mortgage Company April 2012 - May 2013
Provident Funding Associates L.P. April 2011 - April 2012
Front Four / 20 20 Restaurant Group March 2010 - April 2011
LendingTree January 2008 - March 2010
LendingTree Loans January 2008 - March 2010
Eloan September 2004 - January 2008
Redwood Trust April 2003 - September 2004
Chela Education Financing September 2001 - April 2003
Skills
Accounting, SOX, Financial Reporting, Cash Management, Loans, SEC reporting, Investor Relations, Financial Analysis, Banking, Strategic Planning, Forecasting, Real Estate, Budgeting, Excel, Team Building, Due Diligence, Compliance, Valuation, Analysis, Business Analysis, Financial Modeling, Word, Financial Planning, Business Strategy, PowerPoint, Contract Negotiation, Business Planning, Microsoft Office, Operations Management, GAAP, Auditing, Internal Controls, Corporate Finance, Cash Flow, Strategic Financial..., Mortgage Banking, Start-ups, Cash Flow Forecasting, Sarbanes-Oxley Act, SEC filings, Mortgage Lending, Mergers & Acquisitions, Budgets, Risk Management, Finance, Executive Management, Management
Education
University of California, Santa Barbara 1982 — 1986
B.A. Business Economics w/ Accounting Emphasis, Business Economics and Accounting
University of California, Santa Barbara 1982 — 1986
Bachelor of Arts (B.A.), Business/Managerial Economics
Sebonic Financial May 2013 - Present
Sebonic Financial May 2013 - Present
RoundPoint Financial Group January 2013 - May 2013
Hickory Tavern January 2006 - January 2013
Velocity Sports Performance January 2010 - May 2010
Skills
Customer Service, Marketing Strategy, Sales Management, Training, Alcoholic Beverages, Beer, Budgets, Wine, Sports, Fitness, Sports Marketing, Cpr Certified, Sports Management, Event Planning, Sales
Education
University of North Carolina at Charlotte 2005 — 2010
Bachelor of Applied Science (BASc), Kinesiology and Exercise Science
Pacific Union Financial LLC August 2014 - Present
Roundpoint Mortgage September 2013 - Present
Sebonic Financial May 2013 - September 2013
Roundpoint Mortgage August 2011 - May 2013
Trust One Mortgage September 2008 - June 2011
Trust One Mortgage January 2003 - November 2007
Trust One Mortgage January 1998 - January 2003
Bradstreet Financial Inc January 1994 - January 1998
R & C Funding Inc January 1991 - January 1994
Ajax Financial Inc January 1987 - January 1991
Skills
Mortgage Lending, Real Estate, FHA, Credit, Loans, Mortgage, VA, HARP, Operations Management, Sales Management, Consumer Direct, Marketing, Sales, VA loans, Management, Training, Funding, Underwriting, VA Loans, Mortgage Banking, Residential Mortgages, Loan Origination
Education
Citrus College
B2R Finance March 2014 - Present
Sebonic Financial December 2013 - April 2014
RoundPoint Financial Group March 2012 - October 2013
Bank of America April 2009 - April 2012
EquiFirst Corporation (Barclays Capital) September 2004 - February 2009
Chase 2002 - 2004
Skills
Time Management, Leadership, Sales Management, Sales, Mortgage Banking, Account Management, Mortgage Lending, Forecasting, Product Development, Underwriting, Customer Service, Loans, Salesforce.com, Loan Origination, Credit, FHA, USDA, Residential Mortgages, FHA financing, FHA Financing
Education
University of North Carolina at Greensboro 1995 — 2000
Bachelor of Science
Sebonic Financial April 2013 - Present
Carolinas Healthcare System January 2010 - January 2013
Carolinas Healthcare System 2010 - 2013
Carmen Carmen Salon e' Spa January 2002 - January 2010
Skills
Access
Education
Central Piedmont Community College
Harding University
Sebonic Financial October 2014 - Present
RoundPoint Financial Group May 2014 - September 2014
RoundPoint Mortgage June 2012 - May 2014
Bank of America April 2009 - June 2012
HSBC October 2000 - April 2009
HSBC Mortgage Corporation February 1995 - October 2000
PMI Mortgage Insurance Co. June 1993 - October 1994
Skills
Mortgage Banking, Loans, Loan Origination, Mortgage Lending, Underwriting, FHA, USDA, Residential Mortgages, FHA financing, VA loans, Mortgage Underwriting, Reverse Mortgages, Credit, Refinance, Certified Mortgage..., Construction Loans, VA Loans
Education
Siena College 1983 — 1987
B.S., Finance
TASCA Automotive Group December 2014 - Present
Sebonic Financial April 2014 - December 2014
Windstream Communications June 2012 - April 2014
STEALTH COMPONENTS January 2012 - May 2012
Skills
Account Management, Solution Selling, Salesforce.com, SaaS, New Business Development, Cold Calling, Direct Sales, Sales Process, International Business, Lead Generation, Contract Negotiation
Education
University of North Carolina at Charlotte - Belk College of Business 2008 — 2011
B.S.B.A, International Business
Universidad de Deusto 2010 — 2010
Sebonic Financial July 2014 - Present
RoundPoint Financial Group August 2012 - July 2014
Bank of America Corporation July 2010 - August 2012
Bank of America Corporation May 2009 - July 2010
Equifirst Corporation (Barclays Capital) 2008 - February 2009
Senderra Funding May 2008 - November 2008
Decision One Mortgage March 2004 - December 2007
Decision One Mortgage, Member HSBC 2003 - 2007
Decision One Mortgage September 2002 - March 2004
Eastern Bearings, Inc March 2000 - January 2001
Skills
Meeting Deadlines, Systems Analysis, Strong Business Acumen, Analysis, Credit, FHA, Leadership, Loan Origination, Loans, Management, Meet Deadlines, Mortgage Banking, Mortgage Lending, Process Improvement, Risk Management, Sales Management, Underwriting
Education
Penn State University
B.S, Civil Engineering
Civic Financial Services August 2015 - Present
Elevate Mortgage Group - Low VA Rates May 2015 - August 2015
Guaranteed Rate September 2014 - May 2015
Sebonic Financial November 2013 - September 2014
"My Insurance Guy" January 2010 - November 2013
Self Employed Mortgage Banker/Broker & Insurance Agent May 2002 - October 2011
Rapport Leadership International September 2000 - July 2002
Rapport Leadership International September 1999 - September 2000
NATIONAL AUDIT DEFENSE August 1998 - September 1999
CHADORFITZ, INCORPORATED January 1996 - August 1998
Skills
Sales, Mortgage Lending, Small Business, Strategic Financial..., Loans, Refinance, Selling, Commercial Mortgages, Residential Mortgages, Training, Investments, Management, Commercial Lending, Finance, Customer Satisfaction, Budgets, Real Estate, Underwriting, Leadership, Brokers, Mortgage Marketing
Education
Kaplan University-Davenport Campus 2014 — 2017
Bachelor of Science (BS), Legal Studies, General, 3.28 GPA Cummulative
Acton-Liberty University Extension Studies 1998 — 2000
MBA, Business Administration and Management, General
San Diego State University-California State University 1980 — 1981
Political Science and Law
Sebonic Financial May 2013 - Present
RoundPoint Financial Group December 2011 - May 2013
Wyndham Capital Mortgage April 2010 - December 2011
GMAC ResCap August 2008 - March 2010
EquiFirst Corporation March 2006 - August 2008
Liberty Mutual Insurance January 2001 - January 2006
Skills
Strategic Partnerships, Sales Operations, Mortgage Lending, Loans, Forecasting, B2B, FHA, Management, Mortgage Banking, Sales, Negotiation, Finance, Start-ups, Refinance, Credit, Loan Origination
Education
East Carolina University 1994 — 2001
Master of Science in Applied Economics, Economics & Marketing
Millbrook High School 1993 — 1994
Trinity High School 1991 — 1993
East Carolina University
Master's of Science, Applied Economic Theory
East Carolina University
BS, Economics
goodmortgage.com May 2015 - Present
Sebonic Financial July 2013 - April 2015
Bank of America January 2011 - July 2013
Wells Fargo August 1999 - January 2011
Skills
Direct Sales, Mortgage Lending, Loan Origination, Mortgage Banking, Banking, FHA, Credit, Loans, Refinance, Residential Mortgages, USDA, VA Loans, FHA Financing, Investment Properties, Credit Analysis, Sales, Mortgage Underwriting, Finance, Customer Service
Education
University of North Carolina at Charlotte 1995 — 1998
Business, Business, Management, Marketing, and Related Support Services
Montreat College 1993 — 1995
Business Administration and Management, General
Sebonic Financial Facility ManagerABM IndustriesJune 2009 - June 2014
Envision Lending Group August 2006 - May 2009
Skills
Loans, FHA financing, Low Rates, Residential Mortgages, Investment Properties, Loan Origination, Customer Service, Refinance, First Time Home Buyers, FHA, Credit, Mortgage Banking, FHA Financing, Sales, Mortgage Lending
Education
University of Nevada-Las Vegas
Sebonic Financial January 2014 - Present
Cardinal Financial, LP 2014 - 2014
Cardinal Financial, LP 2014 - 2014
Bank of America Home Loans 2011 - 2012
Ameritrust 2009 - 2010
Skills
FHA, Mortgage Lending, USDA, Refinance, Mortgage Banking
Education
University of South Carolina Upstate 2005 — 2006
Sebonic Financial August 2014 - Present
RoundPoint Financial Group May 2012 - August 2014
Bank of America September 2009 - May 2012
Wyndham Capital Mortgage February 2009 - September 2009
NexTag January 2008 - January 2009
LendingTree July 2000 - May 2007
American Equity Mortgage 1998 - 2000
Wells Fargo Financial 1990 - 1998
Skills
Business Development, Sales, Account Management, Mortgage Lending, Loans, Loan Origination, Credit, New Business Development, Financial Services, Mortgage Banking, Marketing, Strategic Partnerships, Cold Calling, Lead Generation, Refinance, Purchase Financing, Fixed Rate Mortgages, Residential Mortgages, Refinancings, VA loans, FHA financing, Self-Employed Borrowers, Purchase Money, Investment Property..., FHA, Finance, Credit Analysis, Relationship Management, USDA, Reverse Mortgages, Investment Properties, Mortgage Underwriting, Certified Mortgage..., Government Loans, Mortgage Servicing, Loss Mitigation, Underwriting, FHA Financing, VA Loans
Education
Bryant University 1986 — 1990
BSBA
Cheverus High School 1982 — 1986
Bank of America US Trust May 2015 - Present
Sebonic Financial August 2013 - Present
Bank of America January 2010 - April 2013
Sophisticated Surfaces September 2008 - January 2010
Wilmington Finance December 2007 - August 2008
Decision One Mtg..HSBC June 2000 - December 2007
Skills
Mortgage Lending, FHA, Refinance, Loans, Mortgage Banking, First Time Home Buyers, Loan Origination, Investment Properties, Residential Mortgages, Real Estate, VA loans, USDA, FHA financing, Credit, Investments, Short Sales, Foreclosures, REO, Banking, Residential Homes
Education
University of South Carolina-Columbia 1988 — 1992
Bachelor's degree, Social Psychology
Sebonic Financial October 2013 - Present
College Candy April 2013 - Present
Boston National Settlement Services December 2012 - October 2013
Boston National Settlement Services September 2011 - December 2012
Direct Action Research Training Center July 2011 - September 2011
DePaul University March 2008 - July 2011
Threshold Magazine January 2011 - June 2011
Old Saint Patrick's Church August 2010 - December 2010
Reach the World August 2009 - January 2010
Skills
Editing, Research, Blogging, Microsoft Office, PowerPoint, Social Media, Facebook, Microsoft Excel, Customer Service, Microsoft Word, Event Planning, Outlook, Social Networking, Time Management
Education
DePaul University 2007 — 2011
BA, Political Science, English
DePaul University 2007 — 2011
Political Science and Comparative Literature, POLITICAL SCIENCE AND ENGLISH MAJOR
CORVINUS UNIVERSITY 2010 — 2010
history; politics, art, and language
Sebonic Financial May 2014 - Present
CertusBank October 2013 - May 2014
Roundpoint Mortgage Company June 2012 - September 2013
Moisture Loc, Inc. March 2007 - May 2012
EquiFirst Corporation (Barclays Capital) August 2006 - January 2008
Richard Tocado Company February 2004 - August 2006
Skills
Management, Training, Advertising, Operations Management, Mortgage Banking, Mortgage Lending, FHA, Refinance, Loan Origination, Credit, Loans, Construction, Sales Management, Sales, Budgets, New Business Development, Account Management, Cold Calling, Underwriting, Team Building, Project Management, B2B, FHA financing, Selling, VA loans, Loss Mitigation, FHA Financing
Education
University of North Carolina at Charlotte - Belk College of Business 1996 — 1998
BS, Marketing/Business Administration
Central Piedmont Community College 1994 — 1996
AS, Math and Science
Sebonic Financial March 2015 - Present
Sebonic Financial May 2013 - March 2015
Bank of America April 2009 - May 2013
Equifirst Corporation (Barclays Capital) April 2002 - April 2009
Equifirst Corporation May 2001 - April 2002
First Union April 2000 - April 2001
Skills
Leadership, USDA, Loans, Mortgage Banking, Underwriting, Sales, Sales Management, Refinance, Mortgage Lending, Management, FHA, Loan Origination, Residential Mortgages, Credit, Credit Analysis, Wholesale Lending, Team Building, Strategic Planning, Coaching, Account Management, B2B, Banking, Business Development, Cold Calling, Consumer Lending, FHA financing, Loss Mitigation, Mortgage Underwriting, New Business Development, Training, Selling, Risk Management, FHA Financing, Government Loans
Education
Kent State University 1992 — 1997
Sebonic Financial November 2013 - Present
Atlantic Home Equity June 2003 - November 2013
Maryland Athletic Club & Wellness Center December 1999 - June 2005
Skills
Management, Sales, Leadership, Real Estate, Selling, Credit, FHA, Investment Properties, Mortgage Lending, Mortgage Banking, Loans, Residential Mortgages, Refinance
Education
University of Phoenix 2001 — 2002
Business
CCBC 1998 — 2001
Buisness
Stonegate Mortgage Corporation (NYSE: SGM) July 2014 - Present
Sebonic Financial January 2014 - June 2014
Guaranteed Rate March 2013 - January 2014
First Financial Services, Inc. June 2011 - March 2013
Brightgreen Home Loans October 2010 - May 2011
Wyndham Capital Mortgage April 2008 - September 2010
JPMorgan Chase December 2006 - March 2008
Countrywide July 2004 - September 2006
Aon Hewitt July 2002 - July 2004
Convergys September 2001 - July 2002
Skills
Mortgage Lending, Loan Origination, FHA, Credit, Loans, Underwriting, Banking, Sales, Sales Management, Real Estate, Mortgage Banking, Investment Properties, Microsoft Excel, Refinance, VA loans, Leadership, Residential Mortgages, FHA financing, Government Loans, Customer Service, Mortgage Marketing, Rates, Referrals, VA Loans, FHA Financing, Interest Rates
Education
Valencia Community College 2004 — 2006
Central Piedmont Community College
Sebonic Financial January 2015 - Present
RoundPoint Financial Group / Paramount Equity Mortgage September 2013 - November 2014
NewDay Financial August 2012 - September 2013
Bank of America May 2009 - August 2012
Apple Spice Junction September 2005 - May 2009
Skills
Mortgage Lending, Banking, Training, Customer Service, Loans, Sales, Real Estate, Leadership, Sales Management, Customer Satisfaction, Credit, Finance, Residential Mortgages, Loan Origination, Mortgage Banking
Education
University of Maryland University College 2009 — 2011
Business Administration and Management, General
Towson University 2008 — 2008
College of Southern Maryland 2006 — 2008
Business Administration, Business Administration
Sebonic Financial October 2014 - Present
Cardinal Financial January 2011 - September 2014
Bank of America January 2008 - January 2010
Education
University of North Carolina at Charlotte
Sebonic Financial February 2014 - Present
RoundPoint Financial Group November 2011 - January 2014
Capital One Home Loans July 2011 - November 2011
Chrysler March 2004 - July 2011
Hillis Carnes Engineering January 2002 - March 2004
Sports Authority January 1998 - January 2002
Skills
Analysis, Credit, Customer Service, Leadership, Loans, Mortgage Lending, Sales, Team Building
Education
Frederick Community College 1998 — 2001
Associate's Degree, Business Management
Frederick Community College 1998 — 2001
Associate's Degree, Criminal Justice
Sebonic Financial August 2013 - Present
Sebonic Financial May 2013 - Present
Roundpoint Mortgage Company January 2013 - June 2013
Saxon Shoes and Accessories 2004 - 2008
Skills
Microsoft Office, Microsoft Excel, Social Media, Strategic Planning, Microsoft Word, Social Media Marketing, Customer Service, PowerPoint, Public Relations, Event Planning, Time Management, Sales, Social Networking, Account Management, Team Leadership, Marketing, Employee Training
Education
East Carolina University 2005 — 2009
Bachelor of Science, Communication
Sebonic Financial June 2013 - Present
Park Sterling Bank January 2012 - May 2013
Bank of America March 2009 - December 2011
EquiFirst September 2001 - February 2009
Ameribank October 1998 - July 2001
Cityscape 1995 - 1998
Skills
Mortgage Banking, Financial Analysis, Direct Sales, Publishing, Conventional, Loans, Portfolio Management, Mortgage Lending, FHA, Credit Risk, Refinance
Education
Sacred Heart University 1985 — 1989
MBA, Finance
Providence College 1977 — 1981
Bachelor of Science, Marketing
Sebonic Financial May 2013 - Present
RoundPoint Financial Group October 2010 - May 2013
GMAC ResCap January 2008 - June 2010
Skills
Mortgage Lending, Loans, Mortgage Banking, Residential Mortgages, Credit, Refinance, FHA, Loan Origination, Banking, Credit Analysis, Credit Risk, Underwriting, Portfolio Management, USDA, Finance
Education
Broward College 1991 — 1995
Associates, Business