LICENSES/DESIGNATIONS
Licensed Florida Real Estate Sales Associate (since 2007)
Accredited Buyers Rep (ABR) (2012)
Graduate Realtor Institute (GRI) (2013)
Resort and Second Home Property Specialist (RSPS) (2013)
Sellers Representative Specialist (SRS) (2014)
Short Sale & Foreclosure Resources Certified (SFR) (2009)
Certified Negotiation Expert (CNE) (2013)
Pricing Strategy Advisor (2016)
Senior Real Estate Specialist (SRES) 2016
NMLS Licensed Florida Mortgage Broker (Florida licensed since 1997)
Notary Public (1995)
EXPERIENCE
RE/MAX
2013-Present
RE/MAX Franchises – Realtec, Bay To Bay, Universal, Action First
REALTOR
• 2014-2022 RE/MAX Platinum or 100% Club Member
• 2014 & 2015 RE/MAX Bay To Bay Palm Harbor Top Selling Agent – Sold Volume
• 2013 RE/MAX Executive Club Member
• Assist residential buyers in finding housing and if needed financing to meet their needs
• Assist residential homeowners with the sale of their homes
Charles Rutenberg Realty, Clearwater, FL
7/09-1/13
REALTOR
Embassy Mortgage Group, Safety Harbor, FL
1/09-2017
Licensed Mortgage Broker
• Still actively NMLS licensed, but not actively originating. Ask me for a great lender recommendation.
• Assist prospective borrowers in selecting the best financing package for their needs
• Experienced in originating, processing and closing all types of residential mortgages
Netrate Mortgage Inc, Safety Harbor, FL
8/08-01/09
Licensed Mortgage Broker
PEGASUS MORTGAGE CO, Clearwater, FL
10/05-7/08
Owner
• Managed day to day operations of my own Mortgage Brokerage Business
• Assisted prospective borrowers in selecting the best financing package for their needs
• Trained new loan officers in the techniques of quality loan origination & processing, all loan officers were required to process their own loans for the experience
STATEWIDE MORTGAGE INC., Clearwater, FL
1/97–10/05
Licensed Mortgage Broker
• 1998, 2003 & 2004 Loan Officer Of The Year (Top Producer)
• Assisted prospective borrowers in selecting the best financing package for their needs
• Designed spreadsheets to simplify the process for prequalifying and computing funds to close
• Experienced in originating & processing all types of mortgages (i.e. Conventional, FHA, VA, B/C)
• Built book of business based nearly 100% on repeat clients and their referrals Operations Manager (7/99-8/00)
• Analyzed recurring operating expenses to identify waste and implemented strategies to cut costs while keeping workflows smooth.
• Created several spreadsheets in Excel to monitor escrow account activity for individual loan files, individual loan profitability, loan officer and telemarketing volumes
• Established more stringent guidelines to ensure compliance with all Federal and State laws and regulations.
• Monitored the loan officers for “quality control” purposes
• Acted as the company liaison during both state and FHA audits
• Directly supervised processing and closing departments.
• Managed daily activities throughout company. Created office policies and procedures to ensure fairness, consistency and accountability in work methods and duties for all employees.
Sales Supervisor – Investments Division (10/98-8/99)
• Supervised a group of 13 loan officers in the Investments Division. Trained new loan officers in all areas of loan origination and lead conversion. Worked with loan officers at setting and achieving goals. Responsible for tracking productivity of all loan officers
US HOME MORTGAGE CORPORATION, Clearwater, FL
1995 – 1996
Mortgage Underwriter
CHASE MANHATTAN MORTGAGE CORPORATION, Palm Harbor, FL
1995
Senior Loan Officer
M & T BANK, Buffalo, NY
1988-1994
Senior Mortgage Originator (11/89 – 12/94)
Business Analyst (6/88 – 11/89)
EDUCATION
BS – Business Administration, May 1988, SUNY at Buffalo, New York Concentration in Finance, Magna Cum Laude