Michael Rodriguez
Summary
Mortgage Origination, Sales Management and REO asset management background accomplished in environments requiring strong problem solving, communication, and analytical skills. Self-starter with a sense of urgency combined with a proven track record of results and taking ownership to manage a heavy workflow in a fast-paced industry. Performance-oriented Sales Leader offering exceptional record of achievement over 15-year career. Talented in identifying and capitalizing on emerging market trends and revenue opportunities.
Overview
21
21
years of professional experience
Work History
Mortgage Loan Officer
BBVA/PNC Bank
03.2013 - Current
- Increased loan approval rates by efficiently managing pipeline and maintaining strong relationships with borrowers, realtors, and underwriters.
- Streamlined the loan application process for improved customer satisfaction and a higher volume of closed loans.
- Assessed borrowers'' financial situations to determine appropriate mortgage products and loan structure.
- Enhanced client retention by providing outstanding service throughout the mortgage process, from pre-approval to closing.
- Managed risk effectively by adhering closely to compliance guidelines during all stages of the loan origination process.
- Utilized CRM software proficiently for tracking leads, organizing client information, and planning follow-up communications.
- Customized marketing materials aimed at attracting potential mortgage applicants within specific target markets.
- Proactively identified solutions for customers experiencing credit issues.
Asset Manager
Homeward Residential
01.2009 - 02.2013
- Managed the REO process from beginning to end, including evictions, cash for keys/relocation assistance, valuations, title issues, legal issues, vendor management, repairs, billing and closing
- Evaluate and report on market trends, changes, demographics, REO trend data, and business activity that would adversely affect marketability of properties
- Determined recommended price and established anticipated listing price – with review every 30 days
- Mitigated loss exposure by reviewing assets for scheduled adjustments including price reductions, repair completion, and repair strategy as well as negotiated and approved repairs with 3rd party vendors
- Negotiated pricing and managed MI and investor approval process with real estate agents, investors and attorneys involved in sales process
- Tracked property status reports and key performance indicators such as turn time, days-on-market, net proceeds, and prepare status reports for management review
- Trained and mentored new recently promoted Asset Managers
- Responsible for managing a portfolio of approximately 600-1,000 REO assets at any given time
- Responsible for the sale and disposition of approximately 2,000 assets and close to 200 million in residential real estate over the past 12 months through traditional retail, auction and bulk sales
- Consistently achieved 150%-200%+ of goal monthly and was among the top performers month after month
- Proficient with Equator, Excel, Power point, Outlook and various reporting tools
- Maximized return on investment by implementing effective asset allocation strategies.
- Managed risk by conducting thorough due diligence and regular portfolio reviews.
Personal Financial Representative
Washington Mutual
09.2008 - 01.2009
- Sold deposit products to customer based on their needs, built new customer relationships through sales initiatives and telemarketing, cross sold different products and referred business to different areas of the bank
- Regularly called existing and potential clients to develop and expand customer base
- Processed account maintenance, researched and resolved customer problems both reactively and proactively.
Senior Account Executive
Countrywide Home Loans
08.2005 - 07.2008
- Invited to the Master's Sales Summit for year 2006, which is reserved for the company's top 5% Account Executives nationwide
- Originated and facilitated mortgage loans including purchase, refinance, home equity lines of credit and FHA loans on a day to day basis
- Specialized in analyzing risk and benefit potential for each borrower to create the best possible outcome for all involved parties
- Experienced working with a number of different sources of business including, inbound, outbound, internet, demands, portfolio, and internal transfers
- Experienced in reviewing and working with hundreds of appraisal reports and types for refinance, purchase and MI purposes.
Sales Manager
Dell Inc.
10.2002 - 07.2005
- Achieve Dell product sales by working in an independent sales environment which involves prospecting for business in a mall environment, outbounding outside of the work environment, as well as consulting, configuring systems, closing sales transactions and training team members
- Met or surpassed personal weekly sales quota multiple times and was consistently the top weekly seller in the region
- Promoted to DBR (Sales manager) of the DFW Airport Dell Direct Store & led startup and training of new store
- Led the Dell Direct Store Team at The Parks Mall in Arlington
- Showed some of the highest Year on Year growth in the nation
- Led the kiosk to become one of the top stores for Dell Financing (DPA) in the nation for multiple months
- Selected to be on the sales training team for the opening of several Dell Direct Stores in the Southern California area.
Education
Bachelor of Arts - Psychology
University of Texas At Austin
Austin, TX05.2022
Skills
- Sales Strategy Development
- Persuasion Techniques
- Referral Generation
- Coaching and Mentoring
- Pipeline Management
- Team management
- Credit assessment
- CRM software proficiency
- Mortgage product knowledge
- Networking abilities
- Performance monitoring
- Marketing strategies
Personal Information
Title: REO Asset Manager with origination, auction and special servicing experience
Timeline
Mortgage Loan Officer
BBVA/PNC Bank
03.2013 - Current
Asset Manager
Homeward Residential
01.2009 - 02.2013
Personal Financial Representative
Washington Mutual
09.2008 - 01.2009
Senior Account Executive
Countrywide Home Loans
08.2005 - 07.2008
Sales Manager
Dell Inc.
10.2002 - 07.2005
Bachelor of Arts - Psychology
University of Texas At Austin
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