* Extensive "hands-on" management experience in the consumer finance and residen
tial mortgage lending fields for: Beneficial Finance, Household Finance and HSBC Mortgage Services. * Specializes in returning unprofitable loan branches to profitability. * Took the two most marginally producing offices for Beneficial on the West Coas t and turned them into the top 10% most profitable in one year. * Develops new sales finance merchant accounts and wholesale mortgage broker ref errals.
Subprime servicer for the secondary mortgage market. Purchase mortgage portfolio s from subprime originators. Revenue of $55B with 350 employees. Lead Underwriter Managed subordinate and contract underwriters to purchase subprime real estate l oans in the secondary market. Performed due diligence. Evaluated results and con cluded the buy. Supervised team of mortgage underwriters (2 to 35 staff) to purc hase first and second mortgage loans from wholesale originators. Insured all loa ns met state and federal requirements prior to finalizing purchase. Conducted me etings with upper management of sellers to conclude purchase of portfolios. Prep ared summaries of purchases and reported all findings to management. * Travelled nationwide to meet with seasoned and contract underwriters to establ ish plans to carry out purchases of pools of real estate loans. Monitored progre ss and reported results to senior management daily. * All buys were completed on time. Maximized full quarterly bonuses for 4 1/2 ye ars of the 6 1/2 years. BENEFICIAL MORTGAGE SERVICES - Fullerton, California 1997 - 2001 Mortgage originations. Revenue of $650M with 55 employees. Retail / Wholesale Sales Manager Maintained existing mortgage portfolio through aggressive refinancing program. Developed outside mortgage referral program originated by eight account executiv es in Southern California and Arizona. Managed day-to-day mortgage originations, insured quality and reported results to senior management daily. * Staffed and trained team of retail and wholesale account executives. Managed a nd oversaw all phases of production from origination to conclusion. Consistently accomplished goals set by management * Increased portfolio from $600M to $650M while maintaining quality and profitab ility. * Performed as special liaison between Beneficial Mortgage Services and Home Sav ings and Loan (now WAMU) in the areas of product development and training. BENEFICIAL FINANCE - Numerous locations, California 1976 - 1997 Origination of personal loans, revolving and installment sales finance accounts and first and second mortgage originations. Manager Provided loan products to new and existing customer base while meeting company g oals. Responsible for collection of delinquent accounts. Hired and trained new a nd existing employees. Maintained quality control while growing the business. * Managed numerous branch locations each with its own unique demographics. Hired and trained and built staffs from the ground up. Consistently increased net inc ome and outstanding receivables. * Built outstanding receivables, controlled expenses, cross sold insurance produ cts and provided excellent customer service and turned marginally producing bra nches in Anaheim Hills, Whittier, La Habra, Downey, South Gate, Canoga Park, Row land Heights, Orange, El Toro and Santa Ana back to profitability.
* Generated new business through retail merchants, existing customer referral pr ogram and developed wholesale mortgage originations. PRIOR CAREER HISTORY BALTIMORE ORIOLES - Baltimore, Maryland Professional baseball. Professional Baseball Player - Outfielder/Infielder * In spite of the fact that I was drafted in the 26th round and told I was too s mall and not strong enough to play, I led the league in most hits in my first ye ar of five in professional baseball, was the youngest player in AA my second yea r and in my forth year was the league's batting champion and selected to the All Star Team.
EDUCATION
Business, Long Beach Community College, Long Beach, California
General Studies, El Camino College, Torrance, California General Studies. Moorpark Community College, Simi Valley, California CONTINUING EDUCATION AND TRAINING Early Customer Service, PACE 1, 2 Understanding Management Principals and Implementation, PEP 1, 2 Courses in Principles of Leadership, Leadership Through Results, Coaching, Profe ssional Feedback / Recognition, Performance Management, Employee Evaluation, Avoiding Sexual Harassment, Behavio ral Interviewing, Diversity Training KEY WORDS FOR OPTICAL SCANNING Six Sigma, CRM (Customer Relationship Management), Customer Relations, Direct Sa les, New Account Sales, Territory Development, Field Liaison, Account Maintenanc e, Sales Management, Sales Recruiting, Sales Administration, Sales Promotion, Ad vertising, Market Research & Analysis, Product Management, Brand Management, Dev elopment, Business Development, Planning, Administration, Financial Analysis, Ba nking Relations, Credit & Collections, Cost Control, Reports, Analysis, Planning , Training, Supervision, Systems and Procedures, Branch Openings, Project Manage ment, Public Relations, Community Affairs, Training, Employee Mentoring, Employe e Coaching, Recruiting, Evaluation, Orientation, Compensation, Benefits, Work Sc hedule Control, Organization Planning & Development, Counseling, Recreation, EEO Compliance, Compliance