matthew makhail

* Managed loan products primarily sold to the Government Sponsored Enterprises, Fannie Mae and Freddie Mac. * Responsible for product design and development, as well as product management and profitability resulting in over $1 Billion of loan production on a monthly basis. * Determined possible new products as well as plan design and development. * Developed the annual marketing plans to determine objectives, strategies, and tactics to meet goals. * Monitored marketplace and internal sales performance to best determine new product/promotion needs. * Developed innovative sales tools to assist the sales force. * Communicated marketing/promotional information and strategic direction to line and staff. * Determined staff needs and provide guidance to more junior Product Managers and Regional Sales Managers. * Recommended pricing levels for various products based on company objectives to ensure competitive rates. * Analyzed markets and determine appropriate pricing for products.

* Responsible as the primary liaison for a premier seller, with an emphasis on strong product knowledge, effective sales techniques, high operational oversight, production analysis/development and targeted marketing efforts. * Participated in numerous internal projects including beta-test software reviews, business plan development & execution, and mentorship. * Grew the production of single assigned seller from an avg. $1,000,000 monthly to over $20,000,000 monthly in a period spanning less than 20 months. * One of the top CAEs in the Western Region of 100+, having developed a seller to rank among the top 10 nationally out of 6,000+ producing customers, top 5 in revenue, and number one in specialty products.

* Review of loan packages and preparation of closing documents that adhere to loan approval, lock confirmation, product guidelines and state and federal regulations. * Timely delivery of loan package to Closing Agent with clear and concise instructions as to necessary documentation required for loan funding. * Review of executed loan documents ensuring all necessary documentation is complete and accurate ensuring a salable loan on the secondary market. Funded on average approximately $35 Million per month. * Prioritize and monitor workflow to meet closing deadlines and maintain customer service levels. * Work closely with Quality Control Department and Due Diligence teams, responding to loan audits.

* Headed the funding and shipping departments. * Successfully funded approximately $7 million per month. * Maintained relationships with various investors, which include CitiMortgage, Inc. and HSBC Mortgage Corporation (USA) and warehouse banks such as The Provident Bank.