Business Resume click here to download

Teaching Resume click here to download

Curriculum Vitae click here to download

Objective:
Experienced, results-oriented adult educator at the college level that delivers above average test results for state and federal licensing exams and student learning outcomes.  Pursuing a program manager / instructor position utilizing online and instructional technology for the traditional and adult learner.  Proven ability to research and author course and or marketing materials for use in and out of the classroom for the business and finance industry.  Proficient in Microsoft Office and online course development software. 

Key Competencies Gained Through Experience and Education:

• Corporate Finance                              • Risk Management                    • Mortgage Finance

• Managerial Accounting                      • Business Economics                • Business Strategy

• Entrepreneurship                               • Supply Chain Management      • Marketing and Sales

• Organizational Design                       • Executive Leadership              • Instructional Design

• Public Speaking & Presentations     • New Business Development  • Relationship Management

• Staff Training & Development          • Team Building & Leadership  • Strategic Business Planning

• Regulatory, Compliance & Auditing •Client Retention                       •Product Demonstration

Education:
Master of Business Administration, May 2009
Weatherhead School of Management
Case Western Reserve University, Cleveland Ohio
GPA: 3.6
Class Ambassador for the EMBA program 

Bachelor of General Studies, August 2010
College of Arts & Sciences
Kent State University, Kent Ohio
Concentration: Chemistry, Math, Computer Science &
Instructional Technology (ITEC)
Dean’s List, Spring and Summer 2010
Gonfalon carrier for the college at graduation

Professional Development:
Mortgage Finance and Residential Real Estate
Cuyahoga Community College, Cleveland Ohio

Mortgage Finance, Home Inspection, and Residential Real Estate
Hondros College, Westerville Ohio

Consultative & Relationship Selling, Cold Calling & Prospecting,
Customer Relationship Management and DISC Behavioral Styles
President’s Club Member, 1994-Present
Sandler Sales Institute, Chagrin Falls Ohio

Significance Coursework:
Corporate Finance and Risk Management, Supply Chain Management, Business Strategy, Business Accounting and Economics, Shariah Finance,  Corporate and Social Responsibility, Organizational Design, Executive Leadership, Emotional Intelligence, Appreciative Inquiry, DISC Behavior Styles, Computer Applications in Education, Instructional Design, Teaching Online Courses, Real Estate and Mortgage Principles & Practices,  Real Estate and Mortgage Finance, Real Estate Appraisals, Consultative & Relationship Sales and Marketing, Cold Calling and Prospecting Methods, Customer Relationship Management

Publications:
Mortgage Lending Principles and Practices, second & third edition
Authored five of the 20 hours of the National Safe Mortgage Loan Originator, for Hondros College
Working Together: Mortgage Brokers, Real Estate Agents, Appraiser and Builders, online course for Hondros College

Special Skills:
Computer: Microsoft Office Professional 2007, Adobe Photo Shop, Dreamweaver CS4, Audacity, Cam Studio, Windows Movie Maker, Calyx, Storm, blackboard
License: Ohio Mortgage Loan Originator, ID Number 297813
Foreign Language: Fluent in Swedish

Professional Memberships: (past and present)
American Chemical Society, Greater Cleveland and National Mortgage Bankers, Ohio and National Association of Mortgage Brokers, Greater Cleveland and National Builders Association, Akron, Cleveland, Geauga, and Portage Board of Realtors, National Association of Realtors, Greater Cleveland and Northeast Ohio Society for Training and Development

Teaching Experience:
Ohio Association of Mortgage Professionals, Brunswick, Ohio, Instructor, October 2009 - Present. Provided classroom instruction, facilitated adult learning on various disciplines and topics in accordance with the State of Ohio/NMLS continuing education requirements for licensed mortgage loan originators. 

• Designed curriculum, course materials, class presentations that encouraged active participation and motivated students to learn effectively. 

Hondros College, Westerville, Ohio, Adjunct Faculty Member, 2003-2009.  Instructed over 70 different classes for over 3,000 classroom hours in the Home Inspection, Mortgage Industry, and the Real Estate Divisions.  Developed, updated, and or wrote some or all of the content for over 60 courses, focused in state and federal laws on ethics, regulatory, compliance, and auditing.

• Received consistently high student instructor ratings, above average student pass rates in mortgage and real estate state and federal licensing exams. 
• Instructed and communicated effectively with students of diverse backgrounds. 

• Advised students on academic and career options, future classes to consider, methods to improve learning outcomes and assisted students in obtaining employment after graduation. 
• Worked closely with peer instructors, colleagues, and administration on various project improvements. 

• Marketed college programs at open houses, professional events, and follow up correspondences with prospective students.

Related Experience:
Kent State Independent Films ~ Breaking News, Kent, Ohio, Assistant Producer, Website & Social Media Coordinator, May 2010-Present. A full-length feature movie from the Journalism and Mass Communication and Pan African departments at Kent State University. 

• Authored and developed student educational and movie website. 

• Established and monitored Facebook, MySpace, Twitter and Flicker accounts.

• Developed and implemented a marketing program using social media and authored several articles/press releases to promote the program.

Valley Christian Academy, Aurora, Ohio, Volunteer, 2001-Present.  Read to and instructed a Kindergarten class for the last nine years about science issues.  Assisted in computer technology classes for K-6 graders.

• Developed fine motor skill exam and exercises for students improvement.

• Served five years on the Planning and Review Committee, which developed marketing that increased enrollment and established a new major Spring fundraising event for the school.

Telm Services, Kent, Ohio, Principle for real estate & mortgage lending consulting group.  2001-Present. Executive Consultant specializing in sales, finance, marketing, profit planning, organizational development and management for start-up, turnaround and emerging organizations. Key engagements include:

• Authored and developed business plans for start-up companies marketing niche and unique professional products and/or services. Positioned companies for rapid growth with excellent cash flows on industry baseline standards.

• Developed  and implemented financial and operational controls that improved P&L status significantly for small and midsize companies.

• Developed business plans, market strategy, and sourcing plans to import products from China into the U.S. market for small and midsize companies. 

• Provided onsite education, sales training, content development, and sales / marketing programs for mortgage brokers, bankers, real estate agents, and brokers.
• Authored three chapters in Mortgage Lending Principles and Practices, second & third edition.
• Authored five of the 20 hours of the National Safe Mortgage Loan Originator for online training.
• Website development, online training, and social media campaigns for small and midsize companies.
  

Professional Educational Courses Instructed:

Ohio Association of Mortgage Professionals

Residential Mortgage Lending (Part 1 and 2)


Courses Instructed at the College Level:

Instructed the following courses at Hondros College for degree and or continuing education credit.  Developed, updated and or wrote some or all of the content for those courses marked with an* and authored the textbook used β.  Instructed about 3,000 classroom hours for college credit at Hondros College.

Mortgage Finance:

Mortgage Lending Principles & Practices* β

Loan Officer and Operations Manager Review Crammer* β

Ohio Loan Officer Training Program * β

Identity Theft, Customer Privacy and Gramm-Leach-Bliley Act*

Mortgage Origination for the Self Employed Borrower*

Mortgage Loan Programs*

Mortgage Loan Credit Reports

Ethics for the Mortgage Broker and Loan Officer*

Fair Lending Basics; RESPA, ECOA and TILA*

How to Complete Mortgage Loan Application

History of Laws Affecting Mortgage Lending*

Understanding Title and Appraisal Problems

Dissecting the Good Faith Estimate and Truth-in-Lending Documents*

Working Together: Mortgage Brokers, Real Estate Agents, Appraiser and Builders* β

Real Estate:

Ohio Real Estate Finance*

Ohio Real Estate Principles & Practices

Ohio Real Estate Agency

Ohio Real Estate Cannons of Ethics

Ohio Real Estate Civil Rights

Ohio Real Estate Core Law

Federal and Ohio Fair Lending Basics

History and Highlights of Foreclosure*

Understanding Foreclosures through Case Studies

Foreclosures: Court Decisions and Case Law

What You Didn't Know About Foreclosures*

Avoiding the Foreclosure Nightmare*

The Agents Role in the Foreclosure Process*

A Short Sale Primer*

Selling that Empty House*

The Seller Incentive Guide*

Recognizing Problem Properties Heath and Fire Safety Issues (Lead Mold, Pests, Radon)*

Recognizing Problem Properties Structural Issues (Foundations, Basements, Walls, Roofing)*

Recognizing Problem Properties Mechanical (Electric, Plumbing, Heating & Cooling)*

Recognizing Problem Properties Asset Protection*

Housing: Building from the Ground Up, Infrastructure*

Housing: Building from the Ground Up, Mechanics*

Housing: Building from the Ground Up, Rehab and Repair*

Marketing New Construction I*

Marketing New Construction II*

Marketing New Construction III*

New Home Specialist*

Auctions: Basics and Marketing*      

Auctions: Process and Property Appraisal*

Ethics of Auctions*

Sold! Selling Real Estate in Minutes*

What is that Auctioneer Saying?*

Can an Auctioneer do that?*

Inside Story the Buyer’s Mind*

Inside Story the Seller’s Mind*

Inside Story Redefining the Basics*

Improve your Real Estate Toolbox*

The 21th Century Agent*

What your Competition Already Knows*

Home Inspection:

Basic Home Inspection*

On-Site Home Inspection*

Advanced Home Inspection*

Graduate Home Inspection*

Inspecting New Home Builds*

Communications and Report Writing*

Site Drainage & Foundations

Environmental Concerns

Small Business Marketing and Management*

Starting Your Own Small Business*


Business Summary:
Sales / Account Management / Business Development / Marketing & Sales Management

Ambitious, high-performing, proactive finance sales executive with a 15-year track record of successful sales leadership in startups and generating new business revenue.  Consistently exceeded sales goals and forecasts in creating profitable streams of business from high-expectation clients.  Utilizes a consultative approach to assess client’s needs and provided solutions / programs that met the client’s strategic goals.  With a solid reputation for identifying and resolving customers decision barriers required to close the sale.

• Exceptional ability to research, analyze and translate information to diverse audiences.

• Effective team-builder with strong leadership skills and proven record of accomplishment at setting and achieving realistic goals for self and others.

• Excels in training and mentoring teams to outperform the competition and accomplished in turning mediocre performers into high performance sales teams.

Gifted sales strategist and tactician who excels in strong telephone and in-person sales presence. Projects and maintains a highly professional image when communicating with customers and partners.  Proficient in all sales cycle phases from lead generation, customer needs assessment, presentation, negotiation, closing, follow through, relationship management, and development of customer loyalty.

Product Evangelist and Sales Marketer with an ability to produce ROI with passion, tenacity in an ethical, compliance-based stance that nurtures respect and supports profitable growth.  Proven ability to research and author sales material for use in and out of the office for business and finance industry using Microsoft Office and online development software.

Banking and Finance Experience:
Amerifirst Mortgage, Cuyahoga Falls, Ohio, Licensed Ohio Mortgage Loan Originator, September 2010-Present.  Senior Mortgage Loan Originator licensed in Ohio specializing in niche mortgage products.

• Cold called past mortgage applicants who failed to complete a loan application in the last 36 months to determine if they were qualified.  Finalized and closed mortgage loans for borrowers that qualified. 

• Designed social media marketing program for generating applicants.

Makena Mortgage Company, DBA Triumph Capital, Chardon, Ohio, Senior Account Executive, 2007-2008. Originated small balance commercial mortgage loans and SBA loans.  Aggressively recruited to develop, revitalize, and nurture productive relationships by cold calling, emailing and prospecting real estate investors, real estate agents, and mortgage brokers. 

• Established and maintained repeat business with customer relationship management software that increased loan inquires 135%.
• Reviewed and analyzed loan transaction packages for preliminary approval or denial in accordance with company guidelines. 
• Assembled all required documentation for processing and underwriting on each transaction, and prepared and presented all related deal points to loan committee.
• Analyzed credit, financial statements, cash flow, economic/profitability scenarios, property and advised the borrowers or related parties mortgage products available.  
• Conducted technical training sessions for customers, resulting in heightened company visibility, increased sales, referrals and introductions to high worth individuals.  
• Provided leadership in key community activities involving civic, charitable, business and social organizations to maintain an appropriate responsible citizen stature for the company.
  

1st Metropolitan Mortgage Co., Charlotte, North Carolina, Branch Sales Manager, 2002-2007.  Directed a team in Chagrin Falls, Ohio of mortgage loan originators, processors and support staff selling residential and commercial mortgage services to real estate agents, homebuilders, accountants, attorneys, financial planners, and small business owners through consultative & relationship selling and marketing.

• 99% of business self generated from strong referral base by tenacious client follow-up.
• Improved investor lists by streamlining processes of working with banking institutions.
• Identified and captured opportunities to accelerate production that improve profit contributions by 30%
• Developed loan pipeline reports that reduced fallout by 25%.
  

Allied Mortgage Capital Corporation, Houston, Texas, Branch Manager, 1999-2001.  Supervised retail mortgage office in Chagrin Falls, Streetsboro and Columbus, Ohio.  Originated and marketed FHA/VA, FHLMC & FNMA, Alt-A, Construction, Small Balance Commercial mortgage loans to the local real estate agents and homebuilders. 

• Designed and implemented new processing system that cut costs by 15% and reduced loan closing by five days that increased referrals by 60%
• Hired and trained a new sales team that increased sales by 25% and margins by 35%.
  

Realty One, Cleveland, Ohio, Licensed Ohio Real Estate Agent, 1999. Marketed and sold new custom home construction and modular homes for several small local residential homebuilders.

Flex Home Inc., Chagrin Falls, Ohio, Vice President, 1994-2006.  Supervised homebuyers’ mortgage financing, draws, and home inspections during building custom stick and modular single-family homes in Northeast Ohio area.  Spearheaded the start up, expansion of market area, strengthening of product brands, and services sold.  

• Responsible for real estate acquisition and finance of residential and commercial properties.
• Developed  and designed series of construction inspections that reduced post sell call backs by 90% which resolved customer relations issues, increasing customer satisfaction by 35%.
• Reviewed budget, cost breakouts and timelines for construction projects that resulted in 10% reduction in building expenditures.
• Hired and trained a new sales team that increased sales by 40% and marginsby 50%.
• Developed and coordinated events/seminars for new business development that increased open house visits by 90%.
  

Northern Financial Mortgage Co, dba, N.F. Mortgage, Chagrin Falls, Ohio, President of a mortgage banking operation, 1992-2000.  President of a mortgage banking operation, 1992-2000.  Established the business with one office, expanded and oversaw all operations in the seven locations in Ohio.  Marketed and sold in bulk and flow FHLMC & FNMA, FHA/VA, Sub-Prime Alt A, Construction, Small Balance Commercial Mortgages to national real estate investors and mortgage bankers. 

• Managed and serviced 10 million portfolio of Alt-A and subprime loans.
• Reviewed and maintained construction portfolio, including approving draw requests, compliance, and monthly updates.
• Responsible for all phases of mortgage underwriting; including real estate analysis, cash flow models, profitability models, credit underwriting, clearing conditions.
• Managed pipeline of 150 plus loans for rate locks and pricing for sale in flow and bulk.
• Developed new business system and training that increased profits 40 % without increasing expenses.
• Supervised legal department in collections and foreclosure actions of residential and commercial properties.
• Administered disposition of Real Estate Owned, REO, properties to maximize return on investment, ROI.
• Assembled and trained a stellar team of loan originators that increased sales by 30% using consultative approach to assess client’s needs.
• Developed sales training systems for experienced and new sales team members in multiple market segments to improve presentation and closing skills that resulted in 35% increase of closed mortgages.