Years of Management & Leadership Experience in Mortgage Banking.
Eric L. Frazier MBA
Riverside,CA
Summary
MBA graduate of University of Redlands, California with an emphasis in finance and a BS in business administration and management. Former adjunct professor at the University of California Riverside. Presented lectures on the 2007- 2009 U.S. mortgage crises to international business students from India for 2 consecutive years. Co-founder of Frazier Group Realty (www.fraziergrouprealty.com), a full-service, family-owned, and family operated real estate brokerage since May 6, 2006.
Forty years of sales, marketing and management experience in real estate, consumer lending and mortgage banking, non-profit corporate governance, public speaking, writing and media relations.
Expert in real estate and mortgage marketing and business development. Enjoy implementing winning sale and marking strategies, establishing relationships, and conducting investor and realtor seminars. Extensive knowledge in mortgage programs and Federal and state lending and compliance laws. Years of experience in underwriting and originating residential and consumer loans. Expert in building strong business relationships, identifying needs, and networking with other business partners for solution development, project management, special training projects, and leading projects.
Active and cooperative team member always willing to provide input into planning, budgeting, forecasting, sales strategies and policy decisions. Excellent communication and writing skills and interpersonal skills and can interact well with staff at all levels, socially, culturally, and educational diversity. Experience in hiring, training and supervising dynamic and aggressive sales professionals; and love developing a supportive culture for enthusiastic and motivated sales team members. Experience in developing each individual to achieve their highest potential as a producer or administrator. Highly effective trainer and public speaker for 40 years. Experience in teaching and practicing proven sales and promotional techniques. Able to address small and large groups for sales, motivation, business presentations and prospecting. Excellent in developing loyal business partner relationships and find it very easy to gain the confidence of others. Analytical and able to make complex technical concepts understandable.
Creative and enjoy casting visions for success. Strong writing skills; and known to be always professional, with a strong work ethic and commitment to excellence. Talented Vice President with excellent employee development, customer service and analytics skills coupled with more than forty years of experience. Comfortable giving engaging presentations to clients to drive new business, expand accounts and establish the brand profile. Excellent team builder and leader of initiatives.
Overview
41
41
31
31
Years of real estate sales and management experience.
14
14
Years of Online Media Production and Leadership experience.
Work History
Founder & CEO
The Power Is Now Media Inc.
Riverside, United States
08.2009 - Current
- Created an online real estate media platform that uses Online Radio, Podcast, Social Media, Live Stream TV, online Magazines and webinars to empower, inspire and educate consumers and real estate professionals with information and tools to buy or sell real estate
- Built a team or editors, writers, graphic artist, reporters and administrators to run the day to day operations.
- Developed and maintained relationships with real estate professionals nationwide by providing media and branding supporting.
- Developed educational videos for Golden State Finance Authority and California Housing Finance Agency to education consumers about down payment and closing cost assistance.
- Created and Executive produced eight TV Shows about real estate acquisition, finance and management.
- Created and produced three real estate magazines and one television magazine and act as Editor in Chief.
- Set strategy for the Marketing and Advertising Departments to support sales and create marketing collateral.
- Fostered new business through participation in trade shows and initiating communications with prospective clients via phone and email .
- Integrated new media and web advertising initiatives into client's marketing strategies to enhance brand awareness.
- Hired and managed employees to maximize productivity while training staff on best practices and protocols.
- Increased company growth through collaboration with sales and marketing departments.
- Developed, maintained and operated company's web presence, developing original text and image content for company website and designing HTML and email promotions.
- Attended trade shows and client meetings, promoting company brand and building rapport with prospects and partners.
- Located and pre-qualified customers for mortgages.
- Networked with realtors and current clients to generate referrals.
- Evaluated client financial positions and identified most appropriate banking products.
- Produced and executed loan packages.
- Developed comprehensive performance reports using Google Analytics to strategize resource allocation and establish performance metrics for clients.
Vice President and Mortgage Advisor
First Bank
Riverside, CA
04.2019 - Current
- Specialize in residential 1 to 4-unit real estate purchase and refinance transactions. Work directly with real estate professionals to provide in-person and online lending support and consumer consultation.
- Obtained copies of applicants' credit histories and reviewed paperwork to determine the feasibility of granting loans.
- Explained very technical financial information about Down Payment Assistance to applicants in easy-to-understand language.
- Supervised loan personnel and motivated them to maintain customer service and performance standards.
- Handled customer relations issues, enabling quick resolution and client satisfaction.
- Maintained customer relationships and found new ones by identifying needs and offering appropriate services.
- Coached employees in successful selling methods and encouraged cross-selling to drive revenue.
- Organized promotional events and interacted with the community to increase sales volume.
- Delivered engaging sales presentations to new clients, explaining technical information in simplified language to promote features and increase client base.
- Developed strategic relationships with key suppliers and clients to foster profitable business initiatives.
- Initiated new sales and marketing plans for product roll-outs, distribution and media strategy.
- Set marketing and advertising department strategy to support sales and create marketing collateral.
- Fostered new business through participation in trade shows and initiating communications with prospective clients via phone and email.
- Integrated new media and web advertising initiatives into clients' marketing strategies to enhance brand awareness.
- Hired and managed employees to maximize productivity while training staff on best practices and protocols.
- Increased company growth through collaboration with sales and marketing departments.
- Developed, maintained and operated the company's web presence, developing original text and image content for the company website and designing HTML and email promotions.
- Attended trade shows and client meetings, promoting the company brand and building rapport with prospects and partners.
- Located and pre-qualified customers for mortgages.
- Networked with realtors and current clients to generate referrals.
- Evaluated client financial positions and identified the most appropriate banking products.
- Produced and executed loan packages.
- Developed comprehensive performance reports using Google Analytics to strategize resource allocation and establish client performance metrics.
Licensed Real Estate and Mortgage Broker
The Power Is Now Media Inc.
Riverside, United States
01.2015 - 04.2019
- Established a a full-service real estate and mortgage brokerage with many lending relationships with mortgage banks and commercial banks in the US and recruited and retained 25 real estate agents and brokers.
- Worked with individuals, companies, private equity firms, hedge funds, and banks with comprehensive strategies to sell or purchase residential, commercial, and multi-family real estate.
- Conducted joint online homebuyers and home seller presentations weekly with real estate agents to generate buyers and sellers.
- Assisted first-time homebuyers, move- up buyers, investors, and non-profit and for-profit businesses in obtaining the financing they need to acquire land, residential or commercial real estate.
- Explained different types of loans pertaining to client situations.
- Worked with underwriters to fix application problems and resolve issues.
- Oversaw scheduling of timely loan closing to satisfy home builder and borrower needs.
- Implemented sales strategies that established relationships with realtors and CPAs.
- Explained very technical financial information regarding down payment and closing cost assistance to applicants in easy to understand language.
- Proactively identified solutions for customers experiencing credit issues.
- Created strategies to develop and expand existing customer sales, resulting in increase in annual sales.
- Developed prospects for new loans by conducting 100 cold calls to agents weekly.
National Sales Manager
Intercap Lending
ALISO VIEJO, CA
01.2014 - 12.2014
- Responsible for national mortgage production from various sources, including realtors, builders, and financial professionals through the real estate network of the Power Is Now Media Inc.
- To establish MSA’s with crucial real estate brokers that are part of the Power Is Now network in each state where Intercap Lending is licensed to do business.
- Met with real estate brokers and customers to give sales presentations, negotiate MSA and promote services.
- Developed and implemented effective sales strategies and led nationwide sales team members to achieve sales targets.
- Managed national purchase sales programs and worked with internal sales representatives and evaluated KPIs for promotional and business opportunities.
- Attended realtor events, training seminars and facilitated homebuyers seminars with non-profits housing organizations.
- Set strategy for the Marketing and Advertising Departments to support sales and create marketing collateral.
- Fostered new business through participation in trade shows and initiating communications with prospective clients via phone and email .
- Integrated new media and web advertising initiatives into client's marketing strategies to enhance brand awareness.
- Hired and managed employees to maximize productivity while training staff on best practices and protocols.
- Increased company growth through collaboration with sales and marketing departments.
- Developed, maintained and operated company's web presence, developing original text and image content for company website and designing HTML and email promotions.
- Attended trade shows and client meetings, promoting company brand and building rapport with prospects and partners.
- Located and pre-qualified customers for mortgages.
- Networked with realtors and current clients to generate referrals.
- Evaluated client financial positions and identified most appropriate banking products.
- Produced and executed loan packages.
- Developed comprehensive performance reports using Google Analytics to strategize resource allocation and establish performance metrics for clients.
Production Manager
PrimeLending
CORONA, CA
10.2012 - 08.2013
- Responsible for personal mortgage production; solicitation of residential mortgages from various sources, including realtors, builders, financial professionals, past customers, and other nontraditional source
- Built relationships with customers and community to establish long-term business growth.
- Achieved sales goals and service targets by cultivating and securing new customer relationships.
- Resolved problems with high-profile customers to maintain relationships and increase return customer base.
- Organized promotional events and interacted with community to increase sales volume.
- Maintained up-to-date knowledge of competitor products and pricing in market served.
Assistant Vice President and Branch Manager
Wells Fargo Bank, N.A.
LA HABRA, CA
06.2008 - 03.2012
- I was responsible for loan production and operational compliance for the North Orange County Markets La Habra Home Mortgage Center
- I also managed and approved all underwriting and appraisal arbitrations
- Develop and maintain a thorough understanding of the lending territory and market
- Conduct weekly sales training and accountability meeting for sales staff
- Responsible for directing and managing the sales activities of the branch so that efficient customer service is provided and quality loans are generated
- I was also responsible for managing, coaching, and motivating a team of Home Mortgage
- Consultants (HMC) for them to meet sales production goals
- In addition, I ensured that the HMC staff was compliant with Wells Fargo Home Mortgage standards, regulations, and policies related to loan production
- Additionally, I was responsible for personal mortgage production and solicited residential mortgages from various sources, including realtors, builders, financial professionals, past customers, and other nontraditional sources.
- Set strategy for the Marketing and Advertising Departments to support sales and create marketing collateral.
- Fostered new business through participation in trade shows and initiating communications with prospective clients via phone and email .
- Integrated new media and web advertising initiatives into client's marketing strategies to enhance brand awareness.
- Hired and managed employees to maximize productivity while training staff on best practices and protocols.
- Increased company growth through collaboration with sales and marketing departments.
- Developed, maintained and operated company's web presence, developing original text and image content for company website and designing HTML and email promotions.
- Attended trade shows and client meetings, promoting company brand and building rapport with prospects and partners.
- Located and pre-qualified customers for mortgages.
- Networked with realtors and current clients to generate referrals.
- Evaluated client financial positions and identified most appropriate banking products.
- Produced and executed loan packages.
- Developed comprehensive performance reports using Google Analytics to strategize resource allocation and establish performance metrics for clients.
Vice President and Senior Loan Center Manager
Washington Mutual Bank
BUENA, CA
01.1997 - 06.2008
- Responsible for loan production and operational compliance for the Brea, Buena Park, La Habra, and formally two Santa Ana satellite Home Loan Centers
- Consistently exceeded annual production goals in all KPI s. Funded volume of over 1 billion dollars per year from 2003 to 2008 and ranked #1 or 2 in units every year.
- Develop marketing strategies, presentations, and business development for the entire sales team
- Conducted monthly realtor seminars at the offices to generate relationships and business and large Realtor Events at hotels on a quarterly basis.
- Assure compliance with prescribed operational procedures and underwriting standards
- Reviewed performance data to monitor and measure productivity, goal progress and activity levels.
- Achieved or exceeded financial goals on regular basis by controlling expenses, optimizing schedules and regulating inventory usage.
- Prepared and recommended long-range plans for development of department personnel.
- Propelled continuous improvements and strategically capitalized on current market trends.
Consumer Lending Regional Manager
Home Savings Of America
IRWINDALE, CA
05.1995 - 11.1997
- Hired as a leader to start-up and manage the consumer lending operations in 30 to 35 branches for Home Savings of America.
- Accountable for overseeing the recruiting, training and the customer experience in obtaining a consumer loan in the branches.
- Hired and trained 30 Community Lending Officers (CLO) for each Financial Service Center
- Accountable for training and ed cross-training of existing Financial Center managers and CLOs
- Acting liaison between Group Sales Directors and the Consumer Lending Division Manager
- Set goals and completed evaluations on the CLOs.
- Managed Loan Officer’s productivity to closed 10-15 million per month in consumer loans in territories ranging from South Orange County to San Bernardino County.
- Forecasted sales of $10 million per month on average and set successful policies to achieve sales objectives and related metrics within timeframe.
Assistant Vice President and Assistant Loan Manager
Home Savings Of America
PASADENA, CA
08.1994 - 05.1995
- Loan Authority for 1st trust deeds and open-end loans
- Managed Home
- Loan Centers all over Los Angeles County
- Managed all phases of operations, underwriting, and origination
- Organized sale of R.E.O.’s from start to final disposition of the properties
- Reviewed and assured accuracy of appraisals and adherence to compliance rules and Bank policies
- Participated in community and charitable events, fostered sales and promoted the Home Loan Center
- Effective and efficient in underwriting and reducing the turnaround time of all loans
- Provided support, guidance, counseling, and training for the
- Loan Consultant in marketing, territory management, and underwriting techniques; provided support for Realtor and Broker office presentations
- Prepared monthly management sales reports for senior management
- 8
Mortgage Banker and Broker, President/CEO
First Fidelity Financial
MONTCLAIR, CA
03.1992 - 08.1994
- I hired and developed 40 Loan Officers who funded an average of 10 million a month
- I interfaced with various investors and lending institutions; I negotiated special pricing, volume incentive, and lines of credit with multiple investors; I developed various lending programs, pricing, loan production, and statistical data reports.; I managed all Human Resources matters, including employee evaluations
- Prepared budgets and monitored budget variances
- Assisted Agents in developing business plans and strategies for success
- Established lending territories for branches and Loan Agents and developed training programs for Loan Officers and Sales Management;
- Successfully developed various company policies regarding personal and production goals for all staff
- Responsible for HUD and D.R.E Audits, trust accounts, and federal regulatory issues
- Set strategy for the Marketing and Advertising Departments to support sales and create marketing collateral.
- Fostered new business through participation in trade shows and initiating communications with prospective clients via phone and email .
- Integrated new media and web advertising initiatives into client's marketing strategies to enhance brand awareness.
- Hired and managed employees to maximize productivity while training staff on best practices and protocols.
- Increased company growth through collaboration with sales and marketing departments.
- Developed, maintained and operated company's web presence, developing original text and image content for company website and designing HTML and email promotions.
- Attended trade shows and client meetings, promoting company brand and building rapport with prospects and partners.
- Located and pre-qualified customers for mortgages.
- Networked with realtors and current clients to generate referrals.
- Evaluated client financial positions and identified most appropriate banking products.
- Produced and executed loan packages.
- Developed comprehensive performance reports using Google Analytics to strategize resource allocation and establish performance metrics for clients.
Consumer Finance Lender, Branch Mgr/Wholesale Executive
Norwest Financial
Montclair, CA
06.1982 - 04.1987
- Managed underwriting and final approval of all real estate and consumer loans. Loan Approval authority to $300,000
- Developed sales dealer’s accounts with various retail establishments and sources for home improvement loans; purchased second loans
- I trained Customer Service Representatives, Assistant
- Managers, and Credit Managers
- In addition, I implemented marketing and advertising strategies
- Responsible for budget preparation and monitoring of budget variances, loan production, and statistical data reports
- Responsible for all compliance and regulatory issues
- Supervised the selling, processing, underwriting, and quality control of all transactions, collection, and discounting of delinquent loans and R.E.O.’s.
- Set sales and Operational goals for the Loan Center
- I also managed and approved all real estate loans and appraisal arbitrations
- Interviewed and hired talented individuals with top-level strengths, improving organizational talent and skill set.
- Develop and maintain a thorough understanding of the lending territory and market
- Conducted training meetings and certification for Fair Lending, ECOA, and HMDA regulations
- Conducted weekly sales training and accountability meeting for sales staff
- Participated in quarterly home improvement shows and business expositions
- Conducted monthly Realtor seminars
- Implemented marketing and advertising strategies and prepared a budget and investigated budget variances and compliance issues.
- Originated Purchased Funded Receivable accounts throughout in the wholesale division.
- Sold Finance dealer accounts with many retail establishments, and wholesale accounts with Mortgage Bankers and Brokers
- Trained Customer Service Representatives and Credit Managers
- Supervised the processing, underwriting, and quality control of all transactions
- Managed the collection, selling, and discounting of delinquent loans and R.E.O.’s
- Formulated marketing proposals for senior management approval and implementation
- Interfaced with subsidiary Security Pacific National Bank for real estate and consumer loan referrals
- Responsible for all community involvement and speaking engagements.
Education
MBA - Finance
University of Redlands
Redlands, CA07.2008
Bachelor of Science - Business Administration And Management
University of Redlands
Redlands, CA08.2006
Skills
- Performance Assessment
- Strategic Vision
- Policy and Procedure Development
- Organizational Structuring
- Operational Analysis
- Entrepreneurial and Innovative
- Leadership and People Development
- Annual Planning
- Talent Acquisition
- Change and Growth Management
- Board Oversight
- Financial Management
- Integrity and Transparency
- Business Planning
- Team Leadership
- Strategic Planning
- Industry Expertise
- Employee Motivation and Performance
- Effective Communicator and Public Speaker
- Contract Negotiation
- Executive Leadership
- Feasibility Studies
- Corporate Governance
- Team Engagement
- Trend Analysis
- Risk and Mitigation Analysis
- Project Management
- Strategic Partnership
- Google AdWords
- Succession Planning
- Business Consulting
- Recruitment and Hiring
- Board Collaboration
- Thrive Under Pressure
- Sales Growth
- Results Orientation
- Client Representation
- Systems Organization
- Capital Expenditure Planning
- Corporate Strategy and Development
- People and Culture
- Department Development
- Human Resources Oversight
- Media Coverage
- Program Administration
- Management Team Leadership
- Economic Analysis
- Corporate Communications
- Project Oversight
- New Business Opportunities
- Adaptable and Flexible
- Character Building
- Advertising Initiatives
- Analytical and Critical Thinker
- Social Media Digital Marketing
- Business Administration
- Customer Accounts Management
- Product Education
- Referral Network Development
- Customer Experience
- Loan Documentation
- Customer Needs Assessments
- Customer Relations
- Underwriting Guidelines
- Loan Counseling
- Community Reinvestment Act
- Credit History Review
- Financial Information Review
- Application Reviews
- Creditworthiness Determination
- Debt Determination
- Commercial Real Estate
- Correspondence Writing
- Customer Inquiries
- Customer Education
- Public Speaking
- Critical Thinking
- Mortgage Banking and Analysis
- Market Trend Analysis
- Business Growth and Marketing Strategies
- Sales and Marketing Leadership
- Verbal and Written Communication
- Complex Problem-Solving
- Customer and Employee Rapport
- Coaching and Mentoring
- Strategize Plans
- Develop Business Structures
- Presentations
Accomplishments
- Board of Directors of Fair Housing Council of Riverside County, Inc (FHCRC) is a nonprofit organization that fights to protect the housing rights of all individuals
- Board of directors of Project Tomorrow a national education nonprofit organization
- Blogger and Author - Three published books on Poetry and one on Credit.
- Past President/chairman and Director of the State of California African American Museum (www.caamu-seum.org)
- Co-Founder of Frazier Group Realty a Family Real Estate Company.
- Extraordinary Sales Leadership, 2000 Certification,
- Cohen Brown Management Group, 1/99.
- Leadership Skills Masters Program Certificate of Achievement, 11/99
- Resolution from Governor Pete Wilson for Religious & Community Leadership, 12/96.
- Resolution from President William J. Clinton for Religious & Community Leadership 9/96.
- Appointment and commission member to Board of Directors of the California African American Museum by Governor Arnold Schwarzenegger 10/06.
- Congressional Recognition for Exemplary Leadership in the Santa Ana Real Estate Community from Loretta Sanchez 8/06.
Recognized as a Leader in sales, management and community involvement:
Affiliations
Board of Directors of Project Tomorrow
Board of Directors of Fair Housing Council of Riverside
Member AREAA Asian Real Estate Association of America
Member National Association of Real Estate Brokers.
Member California Association of Real Estate Brokers
Member Pacific West Realtors Association of Realtors
Member IVAR Inland Valley Association of Realtors
Member CAR California Association of Realtors
Member NAR National Association of Realtors
Member Black MBA association
Member 100 Black Men of Orange County
Member National Association of Mortgage Professional
Additional Information
- Author of three books of poetry:
The Barbershop Poetry in many styles
Ice Cream Poetry in many flavor
The Angles View of Calvary Poetry for the Soul
- License Real Estate Broker License (01143484)
- NMLS Mortgage License (461807)
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Social Media Platforms
Social Media:
http://www.linkedin.com/in/ericfrazier
https://www.facebook.com/ericfraziermba
https://www.facebook.com/thepowerisnow
https://www.instagram.com/thepowerisnow/
https://www.pinterest.com/thepowerisnow/
https://twitter.com/thepowerisnow
http://activerain.com/profile/thepowerisnow
Podcast:
https://open.spotify.com/show/40krdVXktNaFeu8YPLcHM3
http://www.blogtalkradio.com/thepowerisnow
https://podcasts.apple.com/us/podcast/the-power-is-now-media-real-estate-show-audio/id1609445927
Website: https://www.thepowerisnow.com/
Quote
Talent wins games, but teamwork and intelligence wins championships.
Michael Jordan
Timeline
Vice President and Mortgage Advisor
First Bank
04.2019 - Current
Licensed Real Estate and Mortgage Broker
The Power Is Now Media Inc.
01.2015 - 04.2019
National Sales Manager
Intercap Lending
01.2014 - 12.2014
Production Manager
PrimeLending
10.2012 - 08.2013
Founder & CEO
The Power Is Now Media Inc.
08.2009 - Current
Assistant Vice President and Branch Manager
Wells Fargo Bank, N.A.
06.2008 - 03.2012
Vice President and Senior Loan Center Manager
Washington Mutual Bank
01.1997 - 06.2008
Consumer Lending Regional Manager
Home Savings Of America
05.1995 - 11.1997
Assistant Vice President and Assistant Loan Manager
Home Savings Of America
08.1994 - 05.1995
Mortgage Banker and Broker, President/CEO
First Fidelity Financial
03.1992 - 08.1994
Consumer Finance Lender, Branch Mgr/Wholesale Executive
Norwest Financial
06.1982 - 04.1987
MBA - Finance
University of Redlands
Bachelor of Science - Business Administration And Management
University of Redlands
Social Media Platforms
Social Media:
http://www.linkedin.com/in/ericfrazier
https://www.facebook.com/ericfraziermba
https://www.facebook.com/thepowerisnow
https://www.instagram.com/thepowerisnow/
https://www.pinterest.com/thepowerisnow/
https://twitter.com/thepowerisnow
http://activerain.com/profile/thepowerisnow
Podcast:
https://open.spotify.com/show/40krdVXktNaFeu8YPLcHM3
http://www.blogtalkradio.com/thepowerisnow
https://podcasts.apple.com/us/podcast/the-power-is-now-media-real-estate-show-audio/id1609445927?l=en
https://podcasts.google.com/feed/aHR0cHM6Ly9wb2RjYXN0LmxpZ2h0Y2FzdC5jb20vNzJoeDF4bXc0L2ZlZWQ
https://tunein.com/podcasts/MediaEntertainment-Podcasts/The-Power-Is-Now-Media-Real-Estate-Show-p1713436/
https://www.iheart.com/podcast/269-tv-shows-92735517/
Website: https://www.thepowerisnow.com/
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