Summary
Overview
Work History
Education
Skills
Certification
Work Availability
Software
Timeline
AssistantManager
Zina Moore

Zina Moore

Director
Baltimore,Maryland

Summary

Dynamic Director oversees every facet of production with strong project management and decision-making skills. Strategic-thinking individual, skilled at coordinating production plans and personnel resources to complete work under tight deadlines. Offering engaging and pleasant personality with expertise in improving customer relationships.

Overview

41
41
years of professional experience
1
1
Certification

Work History

Director

HARBEL Housing Partnership
01.2021 - 10.2023
  • Managed the overall administration of the HARBEL Housing Partnership under the umbrella of the HARBEL Community Center Organization Inc.
  • Proven ability to learn quickly and adapt to new situations.
  • Self-motivated, with a strong sense of personal responsibility.
  • Prepared the annual budget, developed, and administered grant proposals, and developed other sources of revenue
  • Solicited yearly contribution of funds from 10-12 Bank Partners.
  • Maintained an Affiliate Program and solicited yearly participation funds.
  • Facilitated the dissemination of program funds from government sources, Baltimore County and Baltimore City.
  • Prepared and submitted RFPs to various funding sources i.e., Baltimore County.
  • Maintained monthly and quarterly statistical records in preparation for reports for our funders.
  • Prepared and submitted quarterly HUD 9902 reports based on client data.
  • Evaluated company documentation to verify alignment with HUD's regulatory requirements.
  • Completed HARBEL Housing Partnership HUD renewal and certification in Sept 2023.
  • Marketed and promoted activities, presentations, and outreach events.
  • Designed, developed, and constructed educational programs and services associated with homeownership.
  • Monitored and coordinated workflows to optimize resources.
  • Counseled, coached, and instructed clients in major life-changing decisions associated with establishing sustainable and secure housing.
  • Developed and implemented new services and programs i.e., Pre-Foreclosure/Loss Mitigation and Post-Purchase programs.
  • Evaluated program initiatives to analyze the ongoing effectiveness of our housing program objectives.
  • Maintained liaison relationships between key players associated with the HARBEL Housing Partnership - Loan Officers, Realtors, Title, and Insurance Agents.
  • Initiated and developed the presentation of online Homebuyer Education webinars via ZOOM in response to the COVID pandemic crisis.
  • Supervised and directed staff, interns, and volunteers.

Senior Homeownership Counselor/Assistant Dir/Acting Dir

HARBEL Housing Partnership
03.2010 - 12.2020
  • Coordinated and conducted educational workshops, community outreach, and homeownership programs.
  • Facilitated the dissemination of program funds; CDBG (Community Development Block Grant); DPA (Down Payment Assistance); and SELP (Settlement Expense Loan Program) for Baltimore County and City regions.
  • Finalized pre-underwriting of down-payment and closing cost programs.
  • Utilized motivational interviewing techniques to encourage positive change in clients'' lives.
  • Counseled, coached, and instructed clients in the process of establishing sustainable and secure housing; at least 3-5 sessions per week.
  • Orchestrated budget, credit, and homeownership counseling.
  • Modified the 1 on 1 counseling scheduling system.
  • Improved client satisfaction through consistent communication, empathy, and understanding of their unique challenges.
  • Processed, evaluated, and maintained pre- and post-purchase client files and prepared reports and program evaluations.
  • Developed individualized counseling plans for clients to incorporate short-term and long-term goals.
  • Assisted clients in setting realistic goals, developing action plans, and monitoring progress towards achievement.
  • Conducted pre-foreclosure counseling and maintained referral services.
  • Maintained liaison relationships between key players in the home buying process, Loan Officers, Realtors and Title Agents.
  • Prepared reports for 9902 HUD submissions to maintain HUD certification.
  • Prepared presentations for community outreach events.
  • Assisted in facilitating marketing strategies, promotional activities, and special events.
  • Contributed to a supportive work environment by sharing knowledge, resources, and new findings within the counseling field.
  • Presented new initiatives to include online class registration.
  • Participated in ongoing professional development trainings to remain current on best practices within the counseling field.
  • Functioned as Assistant Director as needed in the Director's absence.

Residential CRA Loan Officer

Chesapeake Bank of MD
01.2004 - 01.2010
  • Originated various types of residential loans Conventional, FHA and non-conforming I.e., Construction-Perm, Investment, and First-Time Home Buyer products.
  • Established customer service procedures to promote continued business relationships.
  • Drafted and updated software templates to facilitate the origination process.
  • Educated potential clients on various loan options, guiding them towards informed decisions that fit their financial goals.
  • Performed preliminary underwriting processes for program compliance.
  • Identified opportunities to cross-sell and upsell loan products to customers.
  • Negotiated favorable loan terms with borrowers, increasing overall profitability for the company.
  • Explained very technical financial information to applicants in easy to understand language.
  • Assisted customers in understanding loan terms and conditions to make informed decisions.
  • Examined customer loan applications for loan approvals and denials based on customer creditworthiness and provided detailed financial advice.
  • Processed loan applications and monitored progress from start to finish.
  • Cultivated lasting relationships with satisfied clients that led to repeat business as well as referrals from friends or family members.
  • Functioned as the CRA Liaison for the Live Baltimore organization.
  • Board Member of the HARBEL Housing Partnership/HARBEL Community Organization.

Mortgage Loan Processor

Chesapeake Bank of MD
06.2003 - 01.2004
  • Improved loan processing time by streamlining the application review process and enhancing communication with clients.
  • Initiated an informal tracking system to maintain the continuity of residential loans.
  • Set up, stored and updated customer files, department records and regulatory paperwork.
  • Contributed to the success of the mortgage team by providing essential support in the areas of loan documentation review, data entry, and client communication.
  • Prepared loan documents and explained terms to clarify loan conditions and requirements with applicants.
  • Reduced loan application errors by implementing a thorough quality control process for all submitted applications.
  • Ensured compliance with federal lending regulations through meticulous attention to detail during the loan processing phase.
  • Contributed to business growth through diligent work on complex loan applications that resulted in successful closings.
  • Boosted team efficiency through the development of a personnel training manual and resource guide.
  • Assisted the CRA Loan officer in establishing procedures for specialized First Time Homebuyers.

Loan Processor/Closer/Administrative Asst

Charter One Mortgage
10.2001 - 03.2003
  • Prepared, processed, and closed multiple types of mortgage loans for an array of programs (i.e., FHA/VA).
  • Assisted loan officers with origination and closing processes to fastrack procedures and promote teamwork.
  • Maintained professional relationships with potential borrowers, Realtors, title companies, lawyers, builders, etc.
  • Improved loan processing efficiency by streamlining documentation and communication procedures.
  • Developed in-house training manual and updated various tools used to enhance the processing procedures.
  • Functioned as an in-house procurement officer for the local branch.
  • Performed various support duties associated with the banking and mortgage industry I.e., drafted weekly and monthly status reports; researched and documented customer account complaints.

President

ZBIZ Inc.
11.2000 - 10.2001
  • Established a corporation; performed market research; drafted business plans.
  • Explored funding options, drafted proposals, grant writing, and various other functions.
  • Analyzed industry trends and tracked competitor activities to inform decision-making.

Operations Staff Officer/Project Manager

Dept. Of Defense/NSA
01.1998 - 10.2000
  • Provided direct support to a 24-hour watch operation of approximately 225 personnel.
  • Delivered high-quality presentations to senior leadership on project progress, challenges, and proposed solutions, securing necessary resources for timely completion.
  • Managed key IT projects that directly affected the day-to-day functionality of the watch operations.
  • Drafted and submitted functional requirements for applications that impacted the Information Technology (IT) infrastructure and watch operations.
  • Prioritized, coordinated, and supervised new projects from conception to deployment as well as various system upgrades.
  • Prepared Concept of Operations and Job Qualification Requirements documents for new IT projects.

Intelligence Analyst/Traffic Analyst

Dept. Of Defense/NSA
06.1982 - 01.1998
  • Drafted technical and journalist-style reports instrumental in the decision-making process of our external customers.
  • Researched, documented, and reconstructed telecommunication infrastructures.
  • Designed a reporting vehicle with graphics pinpointing the locality status of entities of interest to internal and external customers.
  • Produced multi-source intelligence reports and products for different agency customers.
  • Participated in multi-disciplinary teams working on high-priority projects that required rapid response capabilities under tight deadlines.
  • Developed standard operating procedures for intelligence operations and activities.

Education

BS - Behavioral Science (BS)Business Management (AA)

University Maryland University College
01.2000

Skills

  • Managing Director
  • Project Manager
  • Budget Development
  • Team Leadership
  • Counselor
  • Workshop Instructor
  • Program Administration/Funding Coordinator
  • Briefer/Presenter
  • Banking/Finance
  • Researcher and Reporter
  • Business Management

Certification

  • NeighborWorks Certifications and NCRC courses
  • HUD Certified Homeownership Counselor

Work Availability

monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Software

Microsoft Suite

Timeline

Director

HARBEL Housing Partnership
01.2021 - 10.2023

Senior Homeownership Counselor/Assistant Dir/Acting Dir

HARBEL Housing Partnership
03.2010 - 12.2020

Residential CRA Loan Officer

Chesapeake Bank of MD
01.2004 - 01.2010

Mortgage Loan Processor

Chesapeake Bank of MD
06.2003 - 01.2004

Loan Processor/Closer/Administrative Asst

Charter One Mortgage
10.2001 - 03.2003

President

ZBIZ Inc.
11.2000 - 10.2001

Operations Staff Officer/Project Manager

Dept. Of Defense/NSA
01.1998 - 10.2000

Intelligence Analyst/Traffic Analyst

Dept. Of Defense/NSA
06.1982 - 01.1998

BS - Behavioral Science (BS)Business Management (AA)

University Maryland University College

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