Jerome R. Powell
Los Angeles,CA
Summary
A highly efficient, innovative and methodical marketing specialist with extensive experience of supporting loan departments by reviewing, developing, and defining their overall marketing strategy. An expert at analyzing and evaluating an applicant's financial status and then offering them the best loan deals in the marketplace. A professional determined to give his clients the most affordable and relevant mortgage, credit and financial packages available. Comfortable working in a fast paced, hands-on, growth orientated work environment and possessing a proven ability to ensure standards and communications are understood and implemented effectively. Now looking for a suitable marketing position in the marketing department of a company that offers genuine opportunities for progression.
Overview
32
32
years of professional experience
Work History
Secondary Market Specialist/DMV Rep.
Schools Federal Credit Union
07.2011 - Current
- Real Estate Loan Sales, Fannie Mae/Investor Pricing, Post-Closing Audits for 1st & 2nd Trust Deed, HMDA Reporting, Interaction with First Mortgage Sub-Servicers & Other Third Party Vendors to Maintain Investor Quality Loans for Salability & Protection from Interest Rate & Liquidity Risks, Distribution of Credit Cards & Handling of Credit Card Fraud Disputes, Process & Funding of Consumer Loan Products, Updates SFCU's Mortgage & Consumer Website with New Interest Rate & Programs, Taxes & Insurance Monitoring, Reconveyances
- Maintained accurate input of system information, receiving and processing client data
- Manage and maintain daily and weekly spreadsheets for loan products
- Analyze investment options and make suggestions for potential purchases
- Monitor, verify, and maintain investor loan registrations
- Act as the liaison between investors and internal lenders
Secondary Market Specialist
Pacific Transportation Federal Credit Union
07.2006 - 03.2010
- Real Estate Loan Sales, Fannie Mae/Investor Pricing, Post Closing Audits for 1st & 2nd Trust Deed, HMDA Reporting
- Processor & Funding of Consumer Loan Products, Updates PTFCU's Mortgage & Consumer Website with New Interest Rate & Programs, Taxes & Insurance Monitoring, Reconveyances
- Proved comprehensive knowledge of credit practices, laws, and regulations by evaluating quantitative data between Operations teams to properly mitigate credit risk scenarios
- Collaborated interdepartmentally to develop underwriting policies and procedures to increase efficiency and streamline work processes
- Completed necessary credit investigations on each loan application as appropriate for keeping credit files current for the duration of the loan including responsibility for collecting payments in a timely manner
- Process pricing requests sent to the Secondary Marketing department in adherence to pricing policy
- Requests include extensions, changes in loan program, changes in rates, pricing underwriting exceptions
- Contributed to the fulfilment of department and company's objectives and goals
Sr. Post-Closing Secondary Market Rep.
Kinecta Federal Credit Union
07.1993 - 05.2006
- Loan Sales to Fannie Mae & Freddie Mac, Pricing & computing of daily Rates, Distribution of Mortgage
- Loan Rates for Department, Sale Reps, Branches, Website, Implementation of all Index's for Adjustable Loan Products, Rate Comparisons Report, Turn Time Report for 1st & 2nd Mortgages, Booking & Boarding of 1st Trust Deed Loans, Payment Posting for 1st & 2nd Trust Deed, HMDA Reporting, Final Loan Audits, Removal Private Mortgage Insurance, Demands & Pay-Off, Reconveyances
- Handled applications, collected documentation, run ratio and other calculations
- Completed necessary credit investigations on each loan application as appropriate for keeping credit files current for the duration of the loan including responsibility for collecting payments in a timely manner
- Ensured Department procedures were complete and updated
- Met with internal and external auditors to demonstrate compliance with department procedures
- Interact with other departments when problems or discrepancies in data arise to determine needed action and if action involves interest rate lock information, make the necessary changes
- Developed and maintained Secondary Marketing daily/monthly P/L attribution reporting
Education
Business Courses -
Santa Monica College
American Institute Trucking
High School -
Los Angeles high Schools
Los Angeles, CA01.1982
Skills
- Marketing Plans
- Loans
- Auditing
- Client Development
- Brand Marketing
- Sales Presentations
- Competitor Analysis
- Market Research
- Reference Checking
- Underwriting Loans
- Financial Services
- Cold Calling
- Converting Leads
- Team Meetings
Timeline
Secondary Market Specialist/DMV Rep.
Schools Federal Credit Union
07.2011 - Current
Secondary Market Specialist
Pacific Transportation Federal Credit Union
07.2006 - 03.2010
Sr. Post-Closing Secondary Market Rep.
Kinecta Federal Credit Union
07.1993 - 05.2006
Business Courses -
Santa Monica College
American Institute Trucking
High School -
Los Angeles high Schools
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