Expert Details
Funeral-Legacy-Retirement Planning
ID: 735826
Florida, USA
Highly challenge driven professional offering a wealth of experience delivering results through superb leadership, problem solving and decision-making. Demonstrated strength in recognizing problem areas and implementing viable solutions to improve service and operations. Natural leader with proven ability to lead a team and influence a broad spectrum of constituencies. Decisive, solution-focused and results-orientated.
—Core Competencies—
*18 years in customer service and sales in retail/wholesale, call center, hospitality environments.
*Superior Listening and probing, extremely articulate, clear pleasant speaking voice.
*Great interpersonal skills; ability to remain calm, patient, and productive in a fast-paced high- pressured sales environments, Attention to detail, able to adapt to change very quickly
*Excellent attendance; punctual; timely; and reliable, Perform Exceptional under Mortgage Meltdown
*Excellent reputation with customers as a competent and ethical professional appearance mandated
*Experience with Microsoft Office, including Word, Excel, Power Point, Outlook, Adobe Acrobat
Education
| Year | Degree | Subject | Institution |
|---|---|---|---|
| Year: | Degree: B.S | Subject: Biology/Chemistry | Institution: Tuskegee University |
| Year: | Degree: RFC Designation | Subject: | Institution: International Association of Registered Financial Consultants |
| Year: | Degree: CFF | Subject: | Institution: National Association of Certified Financial Fiduciaries |
Work History
| Years | Employer | Title | Department |
|---|---|---|---|
| Years: 2016 to Present | Employer: Undisclosed | Title: Managing Partner | Department: |
Responsibilities:Oversee the four departmentsProspecting/Marketing/Client Retention Brokers/Professional Development Training/Continuing education Commission/Payroll Other Tasks are: •gathering information from clients, assessing their insurance needs and risk profile; •building and maintaining ongoing relationships with clients including scheduling and attending meetings and understanding the nature of clients' businesses or lives; •foreseeing clients' insurance needs, such as policy renewals; •researching insurance companies' policies and negotiating with underwriters to find the most suitable insurance for clients at the best price; •arranging specialized types of insurance cover in complex cases; this may involve preparing reports for insurance underwriters and surveyors and negotiating with insurers; •advising clients on risk management and helping to devise new ways to mitigate risks, for example, by adding security measures such as fencing, surveillance cameras or lighting to commercial properties to reduce the likelihood of break-ins; •renewing or amending existing policies; •advising clients whether and when they need to make a claim on their policies; •marketing and acquiring new clients; •developing relationships with underwriters, surveyors, photographers, structural engineers and other professionals; •administrative tasks such as dealing with paperwork, correspondence, keeping detailed records; •winning accounts against competitors; •keeping up with changes in the insurance market and in the clients' industries; •collecting insurance premiums and processing accounts |
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| Years | Employer | Title | Department |
| Years: 2010 to 2015 | Employer: Rulan Insurance & Investments | Title: Registered Financial Consultant | Department: |
Responsibilities:*Sell various types of Insurance Products to Business and Individuals on the behalf of insurancecompanies including Life Insurance, Annuities, Long Term Care, Disability, Medicare Supplements, Calculate Premiums and Establish Payment Methods. *Interview Prospective Clients to obtain data about their Financial Resources and needs, the physical condition of the person and to discuss their existening coverage. *Explain features advantages, disadvantages of various policies to promote sale of insurance plan, perform administrative tasks such as maintain records, policy renewals. *Take control of the conversation by asking open ended questions. *Fiduciary Duty toward clients when claims are made on the policy. *Ensure that policy requirements are fulfilled, including any necessary medical examinations and the completion of appropriate forms. *Seek out new clients and develop clientele by networking. *Attend Meetings and Seminars must maintain 40 hours of continuing education annually. *Consistently write between 25-30 policies a month/Contracted with Insurance Companies |
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| Years | Employer | Title | Department |
| Years: 2008 to 2010 | Employer: First Commonwealth Mortgage | Title: Senior Mortgage Broker | Department: |
Responsibilities:*Assist Clients in the origination process concluding the Securitization Process*Advising Clients on various financial products and trends based on credit and economic growth *Evaluate of the 3 C' Credit, Collateral, Capacity to provide the best mortgage through professional competence, Acts and intermediaries between borrowers and lenders *Complete the 1003, using Calyx Software, collect all necessary bank statements, pay stubs, 2 year Tax Returns etc, Order Appraisal, Order Title, Address Red Flags, Discuss Legal Clauses, *Ordering Documents in compliance and regulations of Fannie Mae, Freddie Mac, Ginnae Mae *Using the appropriate the search engine DU, LP Underwriting Systems to price and lock a loan *Submit Package to Lender brokered loans through Fifth Third, ING, Wells Fargo, Century, Provident Funding, Bank of America, Country Wide, MetLife Wholesale Division *Develop prospects from commercial customers, referrals, realtors, lead sources *Self Starter processed my own loans; sell my own loans no help from management *Clean files great relationship with underwriters have prioritize my loans if the end of month is approaching very important must meet quotas, 3 loans per moth 15k fees approx 400K in Volume, Attend all closings mandatory to ensure professionalism towards clients *Participated in the Harp Program established by the Obama Administration with Loan Modifications, Broker to Perform MSP for the investor determine front/back end ratio *Diligence toward Escrow buffer to cover the possibility of fluctuations of Taxes/Insurance * Once issued CTC schedule closing with Lender and Borrower, Clear any funding conditions |
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| Years | Employer | Title | Department |
| Years: 2007 to 2008 | Employer: First Residential Mortgage | Title: Senior Loan Officer | Department: |
Responsibilities:*Analyze the lending Tree Lead call and covert towards 1003,“Due Diligence towards buy-back*Order Title through in house Title Company RETS, Order Appraisal through Approved Data based credit line with Country Wide, Morvision software, Default Management, Quality Control *Analyze and verify the 1003 to determine Clients creditworthiness, Contact Escrow Admin *Ability to close loans in 43 states, major player among lending Tree Lenders *Member on a Team who average between 5-7 Million in Volume per month *Consistently qualified for Top incentives such as cash or trips *CPI experience when qualifying home purchases especially first time homebuyer * Note: Payment Shock, Continuing education involved Litigation, Audits, Compliance *Clear Stipulations from Underwriter; contact realtors and buyers to secure skittish tendencies *Once issued CTC schedule closing with Lender and Borrower, Clear any funding conditions |
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| Years | Employer | Title | Department |
| Years: 2002 to 2007 | Employer: US Equity Mortgage | Title: Broker Trainee/Underwriter/Junior Broker | Department: |
Responsibilities:Daily Tasks including Appointment Setting, Market Surveys, Customer Care, Back office Support, Directory Assistants, Order Taking, Animation Services, Payment Collection, Call on Prospects turn a cold call into a warm call and delivery Hot Transfer to the broker*Develop Referrals and purchase leads from the collection agency $25 per lead; Approach local banks and ask for turn down business; Attend SBA workshops able to take application on site *Responsible for 15 hot transfers in a week (Screened by Branch Manger), Encompass Software *Average 50 hot Transfers a week qualified for extra incentives cash, TV etc *2 hours daily consistently on the automatic Dialer System, Outbound, Inbound Telemarking Solutions, Data Processing, Lead Generation, Technical Support, Continuing Ed in compliance *Had to maintained PositiveAttitude towards change and think outside the box to solve questions *Had to run projects independently, prioritize within guidelines must adhere to the Do-Not-Call *Perform Exceptional well and promoted to Broker Underwriter Analyze employment profile, credit strength, property characteristics, and all other information pertinent to the credit decision process on each mortgage application, as presented by the broker Correspond with mortgage brokers to attain outstanding documentation needed to complete requirements as stipulated on the commitment. Prioritize deals in Workflow TM queue in order to minimize turnaround time Review documentation for compliance with internal and regulatory guidelines |
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Career Accomplishments
| Associations / Societies |
|---|
| Alpha Chi Honor Society/Omega Psi Phi Fraternity Inc./National Dean List/Distinguished Presidential Scholar/ Who's Who Among College Students/Science National Honor Society |
| Licenses / Certifications |
|---|
| Certified Financial Fiduciary Registered Financial Consultant Mortgage Broker License 2-15 Resident Health & Life (Including Annuities & Variable Contracts) Agent License Florida, Georgia, Alabama, Kentucky, Ohio |
| Professional Appointments |
|---|
| IARFC (International Association Registered Financial Consultants) NAPA(National Association of Professional Agents) NAIFA (National Association of Insurance and Financial Advisers) NACFF (National Association Certified Financial Fiduciaries) NAAIA (National African American Insurance Association) |
Additional Experience
| Training / Seminars |
|---|
| Strategic Educational Partnerships within Senior Medical Professionals, Health Fairs, Assistant Living Centers, Churches, Funeral Homes |
| Other Relevant Experience |
|---|
| Oversee the four departments Prospecting/Marketing/Client Retention Brokers/Professional Development Training/Continuing education Commission/Payroll |