Banking/Financial/Mortgage Consultant Resume

Desired Industry: Banking/Mortgage	SpiderID: 26963
Desired Job Location: bowie, Maryland	Date Posted: 5/26/2009
Type of Position: Full-Time Permanent	Availability Date: ASAP
Desired Wage:
	U.S. Work Authorization: Yes
Job Level: Management (Manager, Director)	Willing to Travel: Yes, Less Than 25%
Highest Degree Attained: Bachelors	Willing to Relocate: No

Objective:
Looking for a full time opportunity that could use my 20 + years experience in the Mortgage/Financial/Banking industry that included outstanding networking, communication, interpersonal and business development skills.

Experience:
SUMMARY
Driven, analytical, community networked entrepreneur and business savvy executive level financial/loan specialist with over 20 years experience in mortgage sales, sales management, account retention, banking, finance and retail. Ability to establish, build and manage strong long term client relationships and provide ongoing client contact for target clients and assigned existing clients. Ability to persuade, convince, influence and impress upon others, creating a ‘need’ for financial products. Experienced in managing all aspects of the mortgage sales and retention development cycle from cold-calling, account management, negotiation, loan origination to closing the deal. Extensive liaison work with banks and bank executives.
•Business Development •Customer Relationship Building •Account Retention
.Account Management •Consultative/Solution Sales •Sales Presentations
.Staffing/Recruiting •Hiring/Training .Interviewing
PROFESSIONAL EXPERIENCE
Commercial Funding/Home Advantage Mortgage, Bowie, MD 1989 to Present
Sr. Loan Officer/Loan Originator/Bank Liaison/Mortgage Executive
Residential, Commercial, SBA, VA/FHA, Construction, Conventional, For Profit and Non-Profit organization loans
 Sold Mortgage loans.
 Counseled customers on loan options, including re-finance.
 Developed and nurtured relationships with realtors, builders, bank institutions, title companies and homeowners.
 Responsible for full life cycle of the loan process from lead generation to closing of the loan, including but not limited to, cold calling, finding prospects, bank transactions, qualifications, underwriting, documentation and Title closing.
 Extensive interaction with various banks, acting as a liaison for the bank and the mortgage company.
 Created a database of thousands of customers covering a variety of potential clients.
 Maintained 100% quota majority of the months.
 Provided follow-up customer service to new and current customers.
 Analyzed financials for potential homeowners and other loan applicants.
 Presented loan proposals to various entities for approval.
 Site visits to prospective commercial and residential clients, as needed.
 Cultivated partnerships inside and outside of the company leading to potential clients. Sources included bank personnel, realtors, builders, certified financial planners, relocation managers, accountants and existing clientele.

India Bazaar, Bowie, MD 1989 to 1992
Owner/Operator
Owner of a busy, fast paced grocery store dispensing ethnic groceries to a diversified client base.
 Responsible for all aspects of opening and running a thriving grocery store including real estate, permits, vendor selection, personnel management and all P & L activities including accounting and taxes.

Safeway Stores, Bowie, MD 1972 to 1992
Assistant Store Manager/Manager on Duty/Key Manager
Management of all aspects of running a multi million dollar grocery store
 Full life cycle of managing a retail grocery store from inventory to personnel management.
 Interviewing, hiring and disciplining store personnel as needed.
 Responsible for receiving and storage of inventory.
 Developed vendor management and vendor relationships.
 Scheduling and delegating shifts and work load to personnel.
 Motivating, training and coaching store personnel increasing productivity.
 Helped create and develop various store policies.
 Responsible for inventory loss prevention, security and turnover.
 Helped Store Manager with P & L duties.
EDUCATION / CERTIFICATIONS
Bachelor of Commerce, Delhi University, Delhi, India
Dale Carnegie Diploma in Management
Various management seminars while at Safeway Stores.
COMMUNITY AFFILIATIONS
Secretary/Board of Trustees, Hindu Temple of Metro Washington DC
Advisory Council Member, USPS, Bowie, MD
Active Notary Public
OTHER
Multi linguist including English (1st language), Hindi, Punjabi
US Citizen

Education:
Bachelors in Commerce (equivalent to a BBA)

Affiliations:
Secretary/Board of Trustees, Hindu Temple of Metro Washington DC
Advisory Council Member, USPS, Bowie, MD
Active Notary Public

Additional Information:
I am very interested in Governemnt Jobs that could utilize my multilinguist skills, besides my excellent Financial Industry experience. Fluent in English (1st Language), Hindi and Punjabi. Could be an excellent verbal translator.

Candidate Contact Information:

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