Dublin, Ohio, United States
Experienced Financial Professional with a demonstrated history of working in analytical roles within the finance industry. Skilled in Financial Analysis, Customer Relations, Improving Efficiency and Problem Solving.
My role as a Mortgage Banker for this small business extends well past the normal responsibilities you would find in the same position at much larger or even similar sized companies. At Equitable, each loan officer is like their own little company. We are responsible for managing our profit centers or frankly, we don't have a job. This starts with the pricing we pass along to our clients. We have to price aggressively enough to get the deal for the client, but profitable enough to bring in revenue. We also have to manage the advertising, marketing, meals and events we offer to make sure that we are each profitable and can tangibly see an ROI. The next most important aspect of my job is the communication. There is a reason that in the 225+ transactions (as of 2/1/18) that have closed, there has NEVER been a delay caused by myself or our company. I communicate with my assistant, processor, underwriter, closer, front desk, funding, buyer's/seller's agent, title company, insurance agent and of course, the client. In order to keep everything straight, my attention to detail and organization has been a very important part of my position here. I've personally created or modified over 15 Excel worksheets to save coworkers hundreds of hours with their daily activities. This includes pricing accurately and more quickly for loan officers, using resources we use every day (such as Zillow) or our origination software more efficiently for marketing purposes and even creating scripts (via VBA) to help underwriters more efficiently do their job. On the operational side I've founds cost savings or value gains in analyzing expenses and simply finding a better solution in some cases. We thankfully have a direct line to our CEO and he is very open-minded and open-eared.
I oversee the finances and accounting of our company, manage our warehouse lines of credit and bank accounts, while trying to find opportunities for growth for our company. Specific functions include but are not limited to: -Payroll, Accounting, HR -Reporting (Annual Audits, State Audits, Quarterly/Annual MCR and MBFRF) -IT Support (Hardware, Software and Training) as well as maintaining Freddie Mac compliance. -Sales (Production, Management, Training)
This customer facing hybrid position offered me more experience than I could ever imagine in my short two years. I was responsible for working with the key positions on the finance team within a dealership (dealer principal, comptroller, controller, F&I manager or officer manage) in translating their old data to our new system. I then instructed them on how to use our software and implemented best practices from other dealerships across the country. I sat with them and would run through any ad-hoc analysis their mind could desire, showing them how to dig down to the most specific details. This could be from historical comparisons to forecasting and all the information in-between. The ultimate goal, beyond their satisfaction was to answer the question "Why?". Why were they more profitable in Q1 2011 than Q1 2012? Once we answered that question, we knew we did our job.