Ron S.

President 11/2009- Present Division Manager) Credit Union CUSO 12/2008 - 01/2009 Lead sales operations with full responsibility for bottom-line factors including long range planning, program development processes and Credit Union Loan Origination. Redefine organization and perform monthly evaluations of company results. Key Achievements:  Provide executive leadership opening new sales and establishing strategic alliances with credit unions, banks and commercial lenders, title companies and associated companies. .  Develop and introduce successful new products.  Strengthened the bottom line through recruiting of sales and support staff to originate residential mortgages.  Conduct seminars for loan officers and realtors on what to look for with fraud before these transactions become costly to the lenders.  Initiate mistake awareness programs for staffs.

As a real estate broker I along with my agents work with consumers, employee groups and lenders serving clients and HR Managers. We partner with our clients with our no-cost real estate programs to find residential and commercial properties including REO's and negotiate the terms of sale. We are the #1 National Company in our industry. Employers utilize our programs as a recruiting and retention benefit and the employees save money when buying or selling homes. Additionally, we have a mortgage division representing the top lender nationally. We do not charge our agents "desk fees" as our goal is service.

Mortgage Manager 04/1994 - 01/2009 National Bank, MI Established a joint venture profit and loss branch operation with a national bank to offer mortgage lending while overseeing staff, strategic directives and training a team of loan officers and support staff(s). Established marketing plans, sales objectives and prepared sales forecasts. Directed and trained sales team in due diligence and prioritization development. Participated in research and introduction of new products and lending program for consumers.  Spearheaded development of sales and support staff while introducing strategic alliances with vendors and clients.  Launched a start up branch operation which exceeded $200 Hundred Million dollars annually in mortgage lending.  Oversaw operational efficiencies while reducing costs.  Established and cultivated strong partnership relationship with vendors and lenders.  Opened a loan origination center office in Denver, Colorado that eventually was turned over to a local manager.  Managed a variety of employment functions and interacted with the investment and real estate industry clients and banks on a daily basis.

Senior Account Executive 5/1991 – 4/1994 Source One Mortgage Corporation, Farmington Hills, MI Originated direct sales and residential loan origination systems, including new mortgager product roll-outs, key account management and customer relationships. Conducted cross functional training, coaching and mentoring while adjusting various sales plans and programs with a focus on building the loan origination volume.  Instrumental in a turnaround of origination volume in a high interest rate economic environment.  Developed new mortgage real estate broker clients.  Achieved multi-million dollar market success in less than twelve months.

US Market Manager/Credit Union Insurance Division 4/1990 – 9/1991 AEGON, Atlanta, GA Provided direct product and regional sales operations for credit unions located both in the United States and Canada. Recruited and managed local account executives to work within these financial institutions promoting insurance and investment products to credit union members.  Pioneered new models in a sales series that integrated itself with credit union and banking products designed to cross-sell institution products to consumers.  Directed sales activity launching credit union service organizations (C.U.S.O.’s) which became a standard throughout the United States within the credit union industry.