Andre Defrancesco

Team Leader

• Supervised and coordinated 7 emplovees and oversaw multiple kev business processes.
• Conducted weekly team meetings and developed and implemented strategies and plans.
• •Ensured all compan policies were followed and maintained relevant databases.
• •Worked closely with managers and executives and completed detailed reports.
• • Awarded Employee of the Year for finishing all assigned projects within budget and in a timely manner.

Energy Plus / NRG

Energy Sales Consultant (July 2014 – Present)

• Meet and exceed monthly sales quotas and quarterly incentives.

• Prospect, educate and engage potential clients regarding Energy Choice services with Energy Plus.

• Qualify prospects and follow precise guideline regarding eligibility for participation in Energy Choice Services.

• Provide analysis, guide prospects and overcome objections so ensure the sale.

Bank of America, Wilmington DE

Short Sales Negotiator (December 2010 – June 2013)

• Consistently met and exceeded goals - Top 25%, out of 250 specialists.

• Provided high quality results for underwriters by ensuring timely, judicious and accurate processing of mortgages and short sales. Reviewed and verified borrowers’ income, credit reports, employment histories and title insurance information to prepare loan applications for underwriting submittal.

• Managed the process of selling real estate within prescribed conventional and/or government guidelines.

• Minimized loss on pre-foreclosures through analysis, management, marketing, and liquidation properties.

• Verified conditions of approval which included customers’ income/assets documentation

• Ensured all files were complete prior to underwriting hand-off and coordinated effectively with title companies to ensure smooth closings and high quality submissions.

• Resolved routine title issues which included judgment liens, undisclosed liens, appraisal disputes.

Loan Officer/Processor (July 2008 – October 2010)

• Sold and quoted loans of FHA and Conforming product that fit criteria of potential client.

• Accurately quoted mortgage program terms and closing costs as well as, locking interest rates for specific periods of time; mainly 30 day pricing.

• Obtained completed application packages that met or exceeded all standards of legal and ethical industry compliance.

• Maintained contact with processor’s so that files transitioned to final approval and subsequent "clear to close".

• Completed and reviewed final fee sheet, interest rates, closing costs, prepaid and escrows charged to clients.

Loan Officer/Loan Originator (June 2006 – June 2008)

• Generated leads and called potential clients in need of commercial, consumer, or mortgage loans.

• Contacted borrowers with delinquent loan accounts to help them find a method of repayment and avoid defaulting on loans; initiated collateral liquidation if a client defaulted on a loan.

• Customized loan programs tailored to meet financial needs of clients and reviewed appraisals.

• Reviewed and analyze loan transaction packages for preliminary approval or denial in accordance with bank guidelines.

• Sold the loan and ensured timely closing by maintaining constant communication throughout the entire loan process amongst borrower, appraiser, Loan Company, Title Company and realtor.