Axos Bank

- Trust and Estate, Fiduciary, Specialty Deposits
-Develop and maintain profitable relationships with prospects and clients, focusing on deposit products and services.
-Create and execute Relationship Plans, including calling schedules and strategic business development for deposit growth.
-Promote and cross-sell bank deposit services, including business checking, savings, CDs, and treasury solutions.
-Negotiate terms for deposit products, ensuring competitive pricing and alignment with bank profitability goals.
-Monitor and analyze client portfolios to assess deposit performance, account activity, and profitability.
-Manage risk, ensuring deposit portfolios meet bank policies and regulatory standards.
-Stay informed on competitive deposit products, market trends, and client needs to adjust offerings accordingly.
-Collaborate with clients to resolve issues and optimize their deposit and cash management solutions.
-Oversee operational workflow for clients with complex deposit needs, ensuring efficient service delivery.

VP, Relationship Manager II

City National Bank

•  Identifies develops and builds profitable relationships with prospects and customers consistent with the objectives of the bank.
•  Prepares a Relationship Plan and calling schedule for each client or prospect in conjunction with the strategic business development program. 
•  Calls on existing or prospective clients to discuss and promote all Bank products and services in order to establish a total client banking relationship. Discusses financing opportunities and general business conditions; may assist in forecasting clients’ credit needs and develops solutions to serve their financial needs. Brings in product specialists, as necessary, to help problem solve or structure transactions.
•  Negotiates transactions; prices loan products within targeted rate of return; the Bank.
•  Monitors and analyzes relationship results and account activities. Determines client profitability. Makes a recommendation regarding accounts to be further developed or eliminated. Prepares reports for management.
•  Monitors portfolio for quality, risk and adherence to policy. 
•  Maintains awareness of competitive products, practices, rates and changes in market conditions.
•  Analyzes problem credits and meets with client to develop solutions to minimize loss exposure.
•  Relationships in portfolio may contain numerous accounts requiring extensive operational expertise to manage workflow to match client needs, risk control

Network Capital Funding Corporation

– Averaged 100+ loans funded monthly (40 Million in production)
– Promoted from Sales Manager to Branch Manager after 6 months
– Managed, mentored, and set performance goals for 10-15 loan officers
– Structured and assisted loan officers with closing Conventional, FHA,VA, Non-QM refinances and purchases
– Increased branch production month over month with weekly sales trainings held after hours
– Fielded and De-Escalated borrowers (escalated files, BBB reviews, lending tree reviews) resulting in higher
closing rate
– Brokered conversations between Pricing desk and Loan Officers to best serve borrowers

Sales Manager

PennyMac Loan Services, LLC

– Partnered with internal sales team to build client relationships within assigned regions
– Provided feedback to both internal and external customers on loan quality and operational efficiencies
– Managed high volume, high net-worth client accounts, with transactions valued at up to $50M annually
– Conducted daily review of active pipeline, identify appropriate client follow-ups and solutions
– Applied Federal, State and Local regulations to lending institutions of all sizes

Account Manager

Toll Brothers

– Acted as liaison between the Mortgage & Home Building businesses in order to provide mortgage solutions and solution-based advice to clients
– Oversaw company’s entire production of mortgages in the Greater Los Angeles area, with transactions totaling $10M monthly
– Developed growth strategies for TBI Mortgage, along with the Toll Brothers Sales Team
– Collaborated with Mortgage Loan Specialists, Structure Specialists, and Internal Sales Managers to create solutions for borrowers and lenders
– Built & expanded relationships, and maintained a high level of client satisfaction by successfully generating,
managing, and servicing client needs
– Identified and communicated sales opportunities to upper management
– Increased TBI Mortgage capture rates as Toll Brothers’ preferred lender, by successfully establishing strategic inter-industry relationships

Business Development Manager

Option One Lending

BRE-01932696
NMLS-1073213

As a Direct Lender We Specialize in the following Programs:

-CONVENTIONAL FNMA
-FREDDIE MAC LOANS
-FHA AND VA HOME LOANS
-HARP LOANS
-JUMBO AND SUPER JUMBO LOANS
-REFINANCE / PURCHASE
-HOME EQUITY LINES
-USDA LOANS


-Originate Residential/Commercial Loans
-Asses Financials of Clients
-Developing and maintaining relationships with Clients 
-Evaluate the structure and strategies of client to formulate plans accordingly
-Expand strategies and communicate the desires of clients to team member
-Monitor progress against a set of benchmarks and metrics.

Sr. Mortgage Consultant

Bank of America

– Originated Residential/Commercial Loans and closed transactions valued at $3M monthly
– Assessed financial condition of various clients and determined qualification for lending
– Developed repeat business by providing exceptional customer service and establishing strong relationships with referral partners
– Evaluated client strategies to formulate plans based on each client’s financial goals
– Created & delivered sales presentations, explaining services offered
– Made recommendations based on client needs
– Monitored progress against set benchmarks and metrics and provided updates to Loan officers and Realtors in training.
– Mentored and coached team members in product knowledge, industry development, company operations and professional growth

Assistant Vice President /Bankruptcy

HTI/LTX

- Analyze trend data/forecast future performance 
- Delegate team of dispatchers, coordinating truck fleets
- Obtain new customers/shippers; Maintain customer service relations
- Effectively meet specific quotas, sales goals, and targets
- Brought in revenue of 15,000 monthly
- Principal troubleshooter

Freight Broker/ Operational Manager

VP, Relationship Manager at City National Bank

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