KAREN HOFFMAN

Member of senior management team that identifies and executes overall business strategy increasing volume from $1.6B to $5.0B over 5 years

Add new products and investors when sales identifies a need

Perform risk analysis of investors and products to align with VIP's sales goals and risk tolerances

Analyze guidelines to establish overlays to ensure maximum salability

Collaborate with secondary marketing on best execution of loans to agencies and investors

Maintain relationships with secondary market investors, government agencies and mortgage insurance companies

Find solutions to complex loan level issue by acting as liaison between sales and underwriting

Handle underwriting escalations and make final decision

Manage Appraisal, Condominium and Product Support Departments

Proactive prospecting and closing new accounts in AZ, CO, NM, TX, OK, NE, KS, AK, HI

Utilize connections and networking contacts to identify and qualify new customers

Expanded Citi's presence in the Southwest Region (AZ, NV, UT) with a keen focus on our key targets of independent mortgage bankers, community banks and credit unions

Increased Citi's market share in each account

Consulted with customer's senior level management team to determine how Citi could provide the best execution in price, service and quality

Sourced new clients on an ongoing basis and work with counter party risk for approval

Management and leadership of sales force to maximize sales effort and market coverage of AZ, CO, NM, UT, NV

Maximize profitability of branch

Recruit and train sales and operations staff

Maximize market share within each customer account

Top Producer in the Southwest region

Number 1 in the company in funded units in 2009

In the top 5 of all account executives 2005, 2006, 2007, 2009

Consultative sales , growing accounts into loyal business partners

Underwrite conventional loans to multiple investor guidelines