Sean Middleton
Charlotte,NC
Summary
Highly qualified Mortgage Professional with twenty years of mortgage lending experience ,Risk compliance, commercial and project management experience. I'm Self-motivated, known as a Take-charge professional delivering executive support and team leadership to business operations. Dependable and detail-oriented to manage multiple tasks and priorities.
Given the opportunity, I am well positioned to make an immediate and lasting contribution to any organization.
Overview
27
27
years of professional experience
Work History
Operations Manager
Karolina Investment Group, LLC
Concord, NC
01.2021 - 01.2024
- Responsible for managing all supply chain functions, including flow of freight, deliveries, inventory control, shipping and receiving
- Expanded business presence to include, refrigerated freight, dry van, Rail, Port and Air Freight pickup, delivery and storage increasing revenue by 200%
- Met with Shippers, dispatchers and transportation brokers to negotiate shipping rates, while resolving any complaints or problems
- Dispatched drivers ensuring drivers were DOT compliant, while maintaining trucks and equipment daily
- Maintained a cross dock for sourcing, storing, shipping and receiving freight from national and international clients
- Managed all day-to-day operations to include hiring, training, payroll, customer invoicing, driver dispatching, book keeping and paperwork while making all final decision.
Commercial Credit Analyst - Contract
Global Operations/Syndicated and Corporate Lending, Bank of America
Charlotte, NC
01.2020 - 01.2021
- Analyzes financial statements and summarizes existing client's performance via periodic risk profile review
- Responsible for managing credit activities to support underwriting of commercial credit clients, risk rating and scorecard
- Conducted a complete credit analysis including gathering, analyzing, and interpreting all types of credit information on existing and prospective customers
- Developed and maintained relationships with commercial banking partners to ensure a smooth loan process.
- Assessed current market conditions and identified potential risks associated with lending decisions.
- Provided guidance on complex lending matters including structuring, pricing, collateral requirements and covenant conditions.
Investor Relations Project Manager II
Brownstone Builders & Investments Inc
Charlotte, NC
01.2018 - 01.2020
- Evaluate market opportunities and the associated risk to invest in commercial and residential real-estate
- Review market conditions and overall portfolio risk for each deal regarding proceeds, pricing and structure
- Analysis and evaluation of geographic markets and investment risks in order to maximize investment opportunities
- Having knowledge of opportunities present in each market
- Manage and evaluate existing relationships with vendors with emphasis on production and project completion deadlines
- Work with internal and external associates to facilitate the loan underwriting and closing process
- Review and evaluate external Reports on each committed loan environmental, property condition, seismic, appraisal, etc
- Demonstrate collaborative team approach in the overall acquisition process
- While providing feedback to the managing director and associates regarding review and evaluation of commercial and residential deals.
Wholesale Account Executive
Loan Depot Wholesale
Charlotte, NC
01.2017 - 01.2018
- Analyze each Mortgage Broker’s location developing closing and growth strategies, while monitoring potential and profitability in the commercial and residential arena
- Manage all broker/Lender accounts and potential leads in an Assigned territory, while cultivating lender/Broker relationship
- Recommend products/programs/functionality that would assist in the growth and/or profitability of Residential/commercial Lending area
- Call on Mortgage Brokerage Accounts, making presentations on residential/commercial Loan programs and services to increase closing ratios
- Maintain Familiarity with all Federal Regulatory guidelines as well as industry standards and requirements Provide product training, client support, monthly sales forecasting while managing current pipeline of 5-100 million monthly.
FHA /Conventional Underwriter III
Quicken Loans
Charlotte, NC
01.2015 - 01.2016
- Responsible for analyzing and managing risk on both residential and commercial loans, evaluating and determining the credit worthiness of the client
- Applied a detailed analysis of credit reports, appraisals, pay stubs, legal documents, financial statements, professional and business tax returns (1040, 1065, 1120/1120s, Schedule E, Schedule K-1)
- Evaluated loans, and managed and analyzed credit risk exposure, evaluated the financial strength of the borrowers/business to determine the credit worthiness
- Evaluated debt ratio, loan to value ratio, title reports, credit risk and property valuation, and ensured that every loan was in compliance with the bank and secondary market.
OPUS Collateral Analyst III / NUPRM
Wells Fargo Home Mortgage
Charlotte, NC
01.2013 - 01.2015
- Responsible for reviewing/ processing commercial loan files and programs, analyzing qualitative credit risk of each portfolio, while demonstrating excellent judgment on credit decisions
- Review business financial statements, executive summaries, operating statements and applicable ratios on commercial loan files, while monitoring credit risk levels and portfolio management
- C-Level delegation authority to approve or deny all work-out options with final decision. Responsible for reviewing commercial and residential collateral to include analyzing the adjustments, proximity, amenities and all similarities to ensure risks are minimized and value is supported.
- Resolved issues related to title defects or other encumbrances on real estate properties.
- Evaluated new business opportunities by analyzing market trends and assessing portfolio performance against industry standards.
Risk Compliance III, Second Level Review
Wells Fargo Home Mortgage
Fort Mill, SC
01.2009 - 01.2013
- Functions include: performing risk evaluations, formulating and implementing workout strategies, underwriting while analyzing Commercial business and personal financial statements and business returns
- Assigned to the Promontory project management team, working directly with the OCC, Researching complaint files and contested foreclosures to determine if possible harm or Error was done by Servicer
- Responsible for Auditing past Servicer decisions, to ensure policy and procedure was followed, and to determine if any harm was done
- Experience working VA, FHA, FHLMC, and Wells Owned portfolios, negotiating and underwriting creative structures to meet needs of both customer and bank while minimizing the bank credit risk exposure
- C- Level Delegation Authority to approve or deny all work-out options with final decision
- Bankruptcy Portfolio Liaison between in-house and outside counsel during litigation to formulate strategies to solve problems on commercial loan files
- Assigned to Second Level Review team, to audit, review, and analyze underwriter's decision, by reviewing income, credit and assets before clear to close.
Broker /Commercial Division
CFIC Home Mortgage
Concord, NC
01.2006 - 01.2008
- Reviewed prior to submission to various Lenders Executive Summaries, Proforma, Rent Rolls, Appraisals and Operating Statements of all Commercial Loan packages
- Responsible for branch pipeline management, monthly forecasting and monitoring all files for risk management levels
- Worked with Loan originators and processors on the Commercial and Residential side to verify all documentation for accuracy and completeness, to ensure optimum file flow and monthly targets were achieved
- Reviewed all loan files and credit history based on risk levels and guidelines
- Ensured loan compliance according to State, Federal and corporate guidelines
- Reviewed collateral verifying compliance, ensuring updates, corrections or explanations were addressed and approving if acceptable.
Branch Manager/Senior Loan Officer
CFIC Home Mortgage
Concord, NC
01.2004 - 01.2006
- Examined and verified all loan documentation for accuracy and completeness, while working with Loan originator to secure all required documents for closure
- Responsible for branch processing and underwriting of all FHA, VA and conventional loans, ensuring compliance according to State, Federal and corporate guidelines
- Reviewed financial statements, credit reports and applicable ratios on all files for credit/risk, levels
- Reviewed and cleared manual and automated conditions, while ensuring all guidelines were met
- Maintained an open line of communication with loan originators/ Processors to explain rationale behind credit decisions
- Familiar with using DU/LP for automated approvals, and clearing of conditions
- Reviewed collateral verifying compliance, ensuring updates, corrections or explanations were addressed and approving if acceptable
- Managed a branch with 3 teams of 10 Loan Officers, tracking production, product training, monthly reviews and forecast.
Assistant Branch Manager/Senior loan officer
Fidelity Mortgage Inc
Charlotte, NC
01.2002 - 01.2004
- Solicit Mortgage Brokers, Commercial Real estate agents and banks for Commercial Real-estate loans
- Responsible for monthly reviews, daily training and pipeline management, while originating an Average of 5 loans per month
- Received numerous awards: Loan Officer of the Month, Circle 30, Silver Award, Governor Award, and Presidential Award
- Responsible for monitoring all files for credit/risk management levels, based on Ltv, credit score, and other risk characteristics
- Responsible for lead generation, file review, placement and the origination of each file
- Reviewed collateral of all team members files prior to submittal of the file
- Ensuring the distance, similarity between comparable and adjustments were not excessive, and in accordance with company guidelines, which aided in expediting the U/W process.
MAJOR ACCOUNT EXECUTIVE
Panasonic Corporation
Norcross, GA
01.1997 - 01.2001
- Prepared proposals, demonstration of software, hardware and the negotiation and close of sale
- Received Salesman of the Month Award 18 times and a three-year member of the President's Club
- Responsible for developing, managing and maintaining customer base of over 4000 accounts
- Worked with business owners and managers, surveying current business operating procedure and presenting a more cost-efficient solution to continue business.
Education
Some College (No Degree) - Property Valuation / Appraisal Principles
CPCC
Charlotte, NC01-2002
Business Development - Computer Networking and Telecommunications
PANASONIC UNIVERSITY
Suwanee, GA01.1999
Certification - Accounting And Finance
US Army Finance And Accounting
Fort Bragg, NC02-1996
BS in Criminal Justice - Criminal Justice
SOUTH CAROLINA STATE UNIVERSITY
Orangeburg, SC01.1994
Skills
- Database Applications: Kronos, SQL, Crystal Reports, LOS, Clue Reports, Phoenix, DU/LP, LADI,AS400,I Portal, LHIS, MERS, Aacer, Edge, Status Mart, LIS, E-Image, LIV, Microsoft Office Suite (Word, Excel, PowerPoint, Outlook), Lotus Notes, MSP, BITTS (Access Database), SharePoint ICMP, LexisNexis, AMP, LARS, Doc Viewer, Courthouse Retrieval, Encompass, LPS, CPI, LIV, Calyx Point, Click-n-Close Pacer,, Lombardi, ATS Portal IRC, Early Resolution (ER), Wp2, HPA tool, Web Direct, Operating Systems: Microsoft Windows, MAC OS, Loan IQ,ACE
- Process Improvement
- Financial Management
- Data Analysis
- Budget Development and Management
- Supply Chain Management
- Maintaining Compliance
- Customer Relationship Management
- Process improvement strategies
- Portfolio Management
- Underwriting
- Banking operations
- Quantitative Analysis
- Loan Documentation
Military Service
United States Army, US. Paratrooper/Combat Sapper
Personal Information
Work Permit: Authorized to work in the US for any employer
References
References available upon request.
Timeline
Operations Manager
Karolina Investment Group, LLC
01.2021 - 01.2024
Commercial Credit Analyst - Contract
Global Operations/Syndicated and Corporate Lending, Bank of America
01.2020 - 01.2021
Investor Relations Project Manager II
Brownstone Builders & Investments Inc
01.2018 - 01.2020
Wholesale Account Executive
Loan Depot Wholesale
01.2017 - 01.2018
FHA /Conventional Underwriter III
Quicken Loans
01.2015 - 01.2016
OPUS Collateral Analyst III / NUPRM
Wells Fargo Home Mortgage
01.2013 - 01.2015
Risk Compliance III, Second Level Review
Wells Fargo Home Mortgage
01.2009 - 01.2013
Broker /Commercial Division
CFIC Home Mortgage
01.2006 - 01.2008
Branch Manager/Senior Loan Officer
CFIC Home Mortgage
01.2004 - 01.2006
Assistant Branch Manager/Senior loan officer
Fidelity Mortgage Inc
01.2002 - 01.2004
MAJOR ACCOUNT EXECUTIVE
Panasonic Corporation
01.1997 - 01.2001
Some College (No Degree) - Property Valuation / Appraisal Principles
CPCC
Business Development - Computer Networking and Telecommunications
PANASONIC UNIVERSITY
Certification - Accounting And Finance
US Army Finance And Accounting
BS in Criminal Justice - Criminal Justice
SOUTH CAROLINA STATE UNIVERSITY
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