Inside Account Executive

Posted on: 2007-03-29

Sharlene B. Winbush 142 W. Dewey Ave Wharton, New Jersey 07885 (703) 395.3833 (C) [email protected] Summary of Qualifications: Over 20 years combined work experience in the Mortgage and Insurance industries with direct lending institutions and mortgage brokers and insurance companies. A proven professional with progressive program management, and administration experience. With a proven success rate in developing and implementing efficient, practical office procedures for optimum productivity. Strong knowledge and solid background of military lifestyles. Analytical, versatile, and detail oriented with excellent written and oral presentation skills. Computer skills and equipment knowledge include: Microsoft Office Suite: MS Word, MS Outlook, Internet Explorer, Excel, Premium Entry, Direct Billing, Commercial Property Lines Rating, BA Real Estate Calculator, Calyx POINT, Genesis Systems, BYTE, Equifax Credit, Advantage Credit. Career Experience: Alterna Mortgage Company Inside Account Executive January2007– March 2007 Mount Olive, NJ • Primary function is maintaining and strengthening business relationships between Alterna and approved mortgage brokers • Performs initial contact with approved mortgage brokers determining needs and qualifications • Develops and maintains broker relationships • Directs broker approval process providing broker with all forms and requirements while making recommendations for submitting loans • Provides approved brokers with current rate sheets and underwriting guidelines, educates the broker as to pricing/program requirements, submission/documentation and approval criteria • Reviews and analyzes loans for potential submission to processing • Monitors pipeline reports to determine status of all loans, while working with processing co-coordinator to keep broker informed of status on submitted loans • Provides sales and technical training/support to brokers Heritage Mortgage Brokers, LLC Mortgage Loan Consultant February 2006 – September 2006 Chantilly, VA • Responsible for supervising loans from originating to closing • Requested client credit reports and evaluated them for further processing or denial • Determined type of loan and prepared loan submissions • Spoke with clients via phone to go over terms of loan, preliminary disclosures, and verify all relevant client information • Once all information has been verified and all ordered documents received, the completed package is sent to the Investor (Lender) for final approval and closing instructions • Responsible for developing and maintaining positive working relationships with all internal and external customers Countrywide FULL SPECTRUM LENDING DIVISION October 2004 – February 2005 Fairfax, VA Account Executive – CMD Dedicated • Responsible for relationship marketing for Countrywide CDM Account Executives • Responsible for closing and funding A paper fallout loans from various CMD branches throughout the DC Metropolitan Area and Central Virginia • Foster relationships with CMD relationship partners such as builders, contractors, real estate agents, etc. • Responsible for full lifecycle loan processing Infinity Mortgage Corporation February 2001 – 2004 Parsippany, NJ Senior Loan Officer • Responsible for originating and evaluating client information in order to secure financing from investors, or the purpose of Mortgage Loans. • Fielded calls from borrowers interested in refinancing and presented them with available alternatives • Originated loans by way of incoming phone calls, and evaluated applications • Requested client credit reports and evaluated them for further processing or denial • Determined type of loan and prepared loan submissions • Met with clients to go over terms of loan, preliminary disclosures, and verify all relevant client information • Once all information had been verified and all ordered documents received, the completed package was sent to the Investor (Lender) for final approval and closing instructions • Responsible for developing and maintaining positive working relationships with all internal and external customers • Responsible for negotiating and locking of interest rates and programs, while managing loan pipeline to ensure against loan fall outs MortgageStar Mortgage Company June 2000 – December 2000 Bethesda, MD Senior Loan Officer • Responsible for managing the daily activities of the loan operation functions to include processing and closing • Worked in a timely and accurate manner to ensure loan closing • Responsible for negotiating and locking of interest rates and programs Old Stone Mortgage Corporation October 1999 – April 2000 Chesapeake, VA Originator/Processor • Originated, approved or denied loans in accordance with credit and banking guidelines and policies • Responsible for loan from origination to close • Responsible for sales and marketing of mortgage products Fireman’s Fund Insurance Company June 1997 – August 1999 Richmond, VA Senior Underwriter Support Technician (UST) • Responsible for support to underwriting unit including computing premiums for all lines of business, providing clerical support and providing information and routine problem resolution to producers • Performed manual and computerized rating calculations on mono and multi-line commercial policies • Reviewed and evaluated policy documentation • Solicited and provided information and routine problem resolution • Identified and processed policies that fall within established UST authority levels USF&G Insurance Company March 1996 – June 1997 Richmond, VA (St. Paul Fire & Marine Insurance Company) Transportation Industry Specialist Technician • Responsible for helping to maintain a book of business estimated at $82 million • Rated and coded complex new and renewal business under established guidelines • Served as an information channel for agency requested information and customer service • Handled premium entry and direct billing of accounts • Maintained computer records pertaining to renewal accounts and new business accounts USF&G Insurance Company April 1987 – March 1996 Richmond, VA (St. Paul Fire & Marine Insurance Company) Business Insurance Team Senior Underwriter • Responsible for underwriting new and renewal accounts $50 thousand and under on commercial accounts • Classified risks, rates according to manual rules and instructions • Prepared cancellation notices, endorsements and related materials • Controlled errors in accordance with departmental action plans • Received and review policy criticism, if any, and initiates corrective actions • Maintained established turnaround service standards • Interacted with agents and other branch offices on rating questions, information and problem resolutions • Assisted in providing work direction and training of other technicians and underwriter trainees as necessary Continental Insurance Company August 1986 – April 1987 Richmond, VA Senior Property/Casualty Commercial Lines Technicians • Responsible for the issuance of brokerage accounts and all endorsements and coding pertaining to multi-state commercial brokerage accounts • Serviced accounts for renewal and new business within establish time frame • Responsible for the coding of premium entry items, and endorsements associated with accounts • Resolved outstanding documentation problems with agents and other branch offices • Set-up policies and endorsements