Pamela E. Samuels
Jacksonville,FL
Summary
I am a results driven financial operations professional with 25 years of experience in financial analysis, sales, budgeting, forecasting and operational efficiency. I adapt at leading cross-functional teams, optimizing financial processes and leveraging data analysis to drive strategic decision-making opportunities in a variety of business lines. I am seeking a role in the analytical field through financial operations with a Financial Institution to apply my expertise in the data analytics arena and contribute to the company's culture and continued success in leadership.
Professional with proven success in new home sales, skilled in client relationship management, market analysis, and negotiation. Strong focus on team collaboration and achieving results, adaptable to changing needs. Known for excellent communication, problem-solving abilities, and customer-centric approach. Ready to drive sales and contribute to growth.
Demonstrates strong analytical, communication, and teamwork skills, with proven ability to quickly adapt to new environments. Eager to contribute to team success and further develop professional skills. Brings positive attitude and commitment to continuous learning and growth.
Overview
30
30
years of professional experience
Work History
New Homes Sales Consultant
McBride Homes and Sons LGI Homes, Richmond and American Homes
01.2004 - Current
- Sell beautiful exclusive homes in desirable communities in Eureka MO, Jacksonville, FL, and the Washington DC Mid Atlantic area via Martinsburg, WV
- Sell the dream and accomplishment of new homes to families and assist in the construction process from the planning stage to completion
- Worked closely with internal team members such as mortgage officers, title agents, construction project managers for seamless transaction coordination.
- Offer and support new construction homes to prospective Home Owners, price point of $450K-$1 Million +
- Conducted regular follow-ups with prospective buyers, maintaining interest levels and fostering long-term relationships.
- Work to secure financing, product selections, project meetings, projections, negotiations and procurement of new home sales
- Managed client expectations throughout the home buying process, ensuring smooth transactions and positive experiences.
- Complete accurate paperwork for closings and delivery of each new construction project
- Developed strong relationships with potential buyers through excellent communication and customer service skills.
- Obtain and follow up on client leads, perform in-depth analysis of financial portfolio and product knowledge including loan approval
- Handled objections from potential buyers effectively addressing concerns related to pricing location or design features enhancing chances of a successful sale.
- Analyze pricing data to ensure communities are financially competitive
- Utilized CRM software to track buyer information and preferences, tailoring communication efforts for maximum effectiveness.
- Manage and exceed monthly/quarterly community sales goals, secure signage, project development, drive to secure new prospects, support networking events and Realtor activities to drive increased revenue and positive business
- Conducted comprehensive needs assessments with prospective clients identifying their specific requirements leading to tailored property recommendations.
- Currently drives for the financial success for each community and the respective Organization
- Maintained detailed knowledge of local real estate market trends ensuring accurate advice regarding property values and investment opportunities.
- Negotiated favorable terms for clients during contract discussions, securing optimal pricing and conditions.
- Reviewed property listings, interviewed potential clients, accompanied clients to properties and effectively communicated condition of sales.
- Conducted weekly open houses and provided feedback to sellers on potential buyers.
- Educated clients looking to sell or buy on current market conditions, legal requirements, pricing, and mortgages.
- Established positive flow of communication with agents, clients, attorneys and personnel involved in closing transactions.
Mortgage Loan Originator (MLO)
PHH Mortgage
02.2015 - 11.2015
- Obtained MLO licenses through the NMLS (National Mortgage Loan Services) for the following states: FL, GA, CA, AL, MS, TX, AR, OK, IL, OH, WI, NH, MT, WA, OR, NV, MI, KY, TN, IN, PA, CO
- Sold Mortgage services to new and current borrowers (rate & term refinances, HARP Loan Products & new mortgages)
- Worked in sales-focused environment responsible for establishing member relationships by selling loan products and reviewing member loan request & communicates with underwriting departments and inform members of loan decisions
- Worked within a B2B environment
- Traveled extensively
- Takes inbound and outbound calls to complete initial loan applications, coordinate closing files, coordinate with Loan Processors and follow up on completed customer files
- Worked with underwriters to fix application problems and resolve issues.
- Collaborated with underwriters, processors, and other team members to resolve issues, ensuring smooth transactions for all parties involved.
- Analyzed applicant financial data to determine eligibility for various loan products, tailoring recommendations based on individual needs.
- Increased loan application approvals by efficiently processing and reviewing documents for accuracy and compliance.
- Maintained up-to-date knowledge of industry regulations, changes, and trends to provide accurate advice to clients.
- Streamlined the loan origination process with thorough pre-qualification assessments, resulting in faster decisionmaking.
- Managed a pipeline of mortgage applications, prioritizing tasks to ensure timely closings and meet clients'' needs.
- Resolved discrepancies between borrowers, lenders and financial institutions with detail orientation and efficiency.
- Structured loans creatively to address unique borrower situations and maximize approval chances without compromising compliance standards.
- Attended networking events to build professional relationships within the local community, generating increased leads.
- Maintained high level of customer satisfaction by providing prompt and accurate loan status updates.
- Analyzed loan applications and credit reports to determine loan eligibility and risk level.
- Processed loan applications and monitored progress from start to finish.
Sales Representative
Humana Market Place Insurance
08.2010 - 01.2015
- Sell HUMANA Market Point products (a Medicare approved provider) to existing customers, prospects, physician administration: all age groups
- Maintain training database and files, document web-based learning management systems and coordinate with Contractors and Administrators
- Traveled 90% of the time
- Produce high volume sales - with clients over 55, supported Medicare products and services; Medicare Advantage, PPO, HMO, Supplement & Short-Term Medical Ins
- Onboarding new clients offering Individual Health Insurance (Healthcare Reform Act Products and Services), Life Insurance and financial products
- Present employee benefits and retention opportunities for small business B2B groups
- Served as Account Manager for medical office vendors and members of HR benefits team
- Facilitate training events, new products and services, execute new plans and related Medical materials, briefings and meetings (deliver training through professional, philanthropic, religious, community, student and social organizations)
- Build relationships with the senior population, travel and maintain organized client files
- Supported the local Medical community working in Physician offices throughout the Northeast Florida area
Commercial Loans Auditor | Analyst
Bank of America N.A.
04.1995 - 12.2003
- Actively listen to others to understand their perspective in an Audit environment, perform to understand policies and procedures
- Develop and execute financial and operational risk-based audits and lead special projects, investigations and improve the quality and efficiency of the Commercial Loans division
- Collaboration with CORs/GTRs, program experts and team members in directing the planning of acquisition actions
- Serve as a primary interface between program experts and OCPO during all phases of the acquisition process
- Handle financial analysis and reporting of corporate finances; Audit finances, banking procedures, best practices for domestic accounts in Banking Centers and Branch Offices
- Conduct regular and routine audit reviews, specific to program operations and fiscal accountability for immediate corrective action
- Participate with program senior leadership to form, plan, and coordinate long range objectives for the business planning process
- Assess regulatory risk areas and developed audit plans for multiple moderate to large audits
- Audit and managed commercial loan process and loan documentation
- Supervised a team of Loan Originators to prepare, review, deliver, and complete loan documentation for commercial loans
- Applies project management techniques to extract appropriate assessments for commercial loan review to determine affirmative actions
- Provided detailed documentation on audit findings, facilitating swift corrective action when necessary.
- Maintained confidentiality, handling sensitive information discreetly throughout all stages of the audit process.
- Ensured compliance with regulatory requirements by performing regular audits and staying up-to-date on industry standards.
- Developed strong relationships with clients, building trust and ensuring a high level of satisfaction during the audit process.
- Followed established auditing processes to meet internal and regulatory requirements.
- Planned and executed follow-up audits at appropriate intervals.
- Adapted plans and schedules to meet changing priorities of work objectives, resources and workload demands.
- Interpreted state and federal laws, accepted auditing principles and procedures and program standards to audited materials and data to detect non-compliance and facilitate recommendations.
Education
Bachelor of Science - MATHEMATICS, COMPUTER SCIENCE
Morris College
Sumter, S.C.05.1990
Skills
- Client Needs Assessment
- Process Implementation
- Project Tracking
- Contract Support
- Operations Streamlining
- Customer Relationship Management (CRM)
- Sales Management
- Proposal Review
- Quality Assurance
- Effective Communication
- Presentation Skills
- Attention to detail
- Problem-solving abilities
Realestatesalesawards
- LGI Homes Cypress Pointe Sales Person of the Year, 2018, 05, 08, 09, 11, 04/19, 07
- Sales Person of the Year, 2007
- Top Dollar for Fortune 500 New Home Builder, Ryland Homes, 2006
- Sales Person of the Year, 2006, Top Dollar - Over 12 million in sales
- Rookie Sales Person of the Year, 2005
- Top Sales Richmond American Homes, 2019, Over 30 million in sales
Timeline
Mortgage Loan Originator (MLO)
PHH Mortgage
02.2015 - 11.2015
Sales Representative
Humana Market Place Insurance
08.2010 - 01.2015
New Homes Sales Consultant
McBride Homes and Sons LGI Homes, Richmond and American Homes
01.2004 - Current
Commercial Loans Auditor | Analyst
Bank of America N.A.
04.1995 - 12.2003
Bachelor of Science - MATHEMATICS, COMPUTER SCIENCE
Morris College
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