Brock Realty Inc.
August 2007 - present
As real estate agent negotiate the highest and best solutions to achieve a closed transaction between Seller and Buyer. Excellent transaction management skills contract to closing which significantly benefits my clients. As a small business owner have worked for lenders, BOA, Countrywide, Litton, Aurora Loan, US Bank, Suntrust, Titanium Solutions, Wachovia, Wells Fargo Handled between 50 and 85 distressed property files per year as assigned. Field work consisted of exterior inspections, face to face interviews with homeowners, lender contact information updates. Experienced with turning around non performing properties 20+ transformed and closed. Accomplished by evaluating the scope of work, establishing priorities, and managing sub contractors regarding quality and completion per deadline. Written skills include creating media campaigns focusing on resort lifestyle for sale of new homes, re- sales, single family, condo and multifamily. Internet marketing, websites, blog, lead capture, social media. Experienced with managing income properties for investors. Conducted tenant background checks, lease negotiation, and related property maintenance activities. Marketed and sold properties in the Sarasota, Manatee and surround areas of Tampa bay. Through networking developed professional teams, legal, financial, construction and support personnel.
Owner / Mortgage Broker
October 1998 - August 2008
Over ten years experience as small business owner / manager / broker of record of mortgage company that originated conventional, government and sub prime loans. Worked to help clients to repair their credit, re-structure their debt and achieve a good quality of life based upon fiscally conservative solutions.
Clients were always asked "what they were trying to achieve?" Financial solutions were discussed and implemented based upon their respective needs and requests. Success was achieved through extensive knowledge of loan underwriting, mortgage processing, and closing procedures.
As required by federal, state and local regulations met and passed annual audits receiving a stamp of approval by all agencies. Lenders selected files from Lenders Direct as well organized and professionally presented. Fleet Bank, Citigroup, Greenpoint Mortgage, Source One, Homecomings, IndyMac, Century Bank and Chase selected Lenders Direct with professional awards and recognition for compliance, pre underwriting and closing procedures.
Lenders' Direct Quality Control Plan met and exceeded the critieria established by Fannie Mae and Freddie Mac.
Small business policies and procedures created strong liaisons with financial organizations and individual investors to provide compliant financing for individuals, investors and entities.
Successfully closed loans reflected the knowledge of the lending guidelines pertaining to government and conventional sectors.
June 1995 - September 1998
Subprime wholesale lender's representative. Represented Source One's subprime loan products along the gulf coast to mortgage broker businessess, correspondent lenders, direct lenders and banks.
Public educator, Information officer, Fire Inspector/Investigator
Southern Manatee Fire & Rescue
February 1988 - May 1995
Leadership role at local, state, national safety education to identify high-risk behavior.
Designed safety management programs to increase awareness for senior citizens, children, and general public.
Trained fire personnel at US Fire Administration and US Emergency Institute.
Completed coursework as volunteer firefighter, fire inspector/investigator, and incident commander.
Promoted safety management and the reduction of high-risk behavior through community outreach programs.
Produced radio, television, and news programs.
Published firefighter funeral guidelines on file at the National Fire Academy library.
Developed comprehensive training and safety programs for diverse communities, schoolchildren, industrial plants, mobile home parks, and senior citizens.
Steering committee member for U.S. Fire Academy curriculum development
Developed training programs for 450 central service level employees.
Focused on production, operations, reduced injuries, and heightened the level of job safety.
Developed safety curriculum for non-instructional trades including electrical, plumbing, HVAC, painters and carpenters.
Adapted material to adult learning disabilities and simplified material for non English speaking employees.
Demonstrated outstanding aptitude in training management, instructional design, training delivery.
Consistently achieved 97% training attendance which increased safety standards over 55%.