James Gioia

Senior Mortgage Loan Officer at Community Financial CU
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Contact Information
us****@****om
(386) 825-5501
Location
Detroit Metropolitan Area
Skills

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Linda Richer

Jim represents our company as a sales professional at the highest level. His energy and outgoing personality provide our clients and prospects with a positive representation of our organization. We are happy to have him explore and open business opportunities for us in the Southeast U.S. market.

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Credentials

  • SAFE Act
    NMLS
    Dec, 2010
    - Nov, 2024

Experience

  • Community Financial Credit Union
    • United States
    • Banking
    • 100 - 200 Employee
    • Senior Mortgage Loan Officer
      • Sep 2017 - Present

      Community Financial's mortgage experts are local lenders with years of experience helping Michigan homeowners into the "right" mortgage. No matter what your mortgage needs, from primary residences and second homes to investment properties and vacant land, we can help you finance single-family residences, condominiums, factory-built homes or multi-unit properties. We can also help lower your current mortgage payments by refinancing your home at a lower rate. Stop by or give us a call, we look forward to giving you the personal attention and expert service you deserve! Show less

  • Wells Fargo
    • Metro Detroit
    • Private Mortgage Banker
      • Apr 2016 - Sep 2017

      Your success is our priority, whether you’re looking to build wealth, focusing on maintaining what you have, or working to preserve your family legacy. At Wells Fargo Private Bank, we believe that three factors contribute to your success: our people, process, and philosophy With a broad array of products, we can provide financing to first time homebuyers and the most seasoned borrowers with complex financial needs. Let's talk and see what Wells Fargo will do for you! Your success is our priority, whether you’re looking to build wealth, focusing on maintaining what you have, or working to preserve your family legacy. At Wells Fargo Private Bank, we believe that three factors contribute to your success: our people, process, and philosophy With a broad array of products, we can provide financing to first time homebuyers and the most seasoned borrowers with complex financial needs. Let's talk and see what Wells Fargo will do for you!

  • Eclipse Capital Group, LLC
    • Greater Detroit Area
    • Senior Finance Consultant
      • 2014 - Mar 2016

      CORPORATE FINANCE <> COMMERCIAL REAL ESTATE FINANCE Worked with a variety of clients who each have a set of circumstances unique to them. Provided solutions that align business strategy and resources. From high net-worth Commercial Real Estate investors, Growth and Acquisition companies to companies in challenging situations. Team has over 20 years of corporate financial experience and countless relationships across all industries that bring opportunity to your business. *Worked with clients having revenue from $1MM to $50MM and loan requests between $250k to $100MM *Handle financing requests for; Corporate Finance, Investment Real Estate Finance, Owner Occupied Real Estate Finance, Accounts Receivable Financing, Lines of Credit, Inventory Finance, Machinery and Equipment Financing, SBA, USDA and Bank Workouts *Organized and delivered client portfolio strategies to to nationwide lending market Show less

  • Bank of America
    • United States
    • Banking
    • 700 & Above Employee
    • Mortgage Origination
      • 2011 - 2014

      Mortgage Origination, Centralized Sales *Originated Conventional, FHA, VA, USDA, and HARP mortgages across the United States *Established relationships with internal and external partners throughout the branch network and across the country enabling consistent placement in the Charlotte sites top production for line of business *Site/Team leader in application quality, document collection, and quality assurance which lead to above target pull through rates established by the line of business Show less

  • CBCInnovis
    • Financial Services
    • 100 - 200 Employee
    • Regional Account Executive
      • 2008 - 2010

      Resident Screening Solutions Worked with industry professionals to mitigate risk to their portfolio, consulted on efficiencies with product and process improvements, and acted as an advocate of industry best practices to local and state governments. •Established relationships with decision makers in Southeastern market •Negotiated price and presented contracts to legal department •Oversaw the implementation of software interfaces with multiple platforms •Led training of new users on-site and via web •Acted as expert in credit files, public records, and automated decision technology •Participated in trade organizations promoting the interests of Multi-Family Housing Show less

  • Kinetic Credit Union
    • Vice President of Residential Lending
      • Jun 2000 - Apr 2008

      Executive Management of a full financial service institution. 200 Million in assets. •Provided direction and leadership through defined values •Developed strategy to manage key organizational objectives •Managed growth of assets from $90MM to $200MM •Served as product/ process expert and trainer for sales managers and staff •Supported 6 branch managers and 30 consumer lenders in needs/benefits sales skills •Coached 20 mid-level managers in creating consistency and accountability of direct reports Customer Relationship Management (CRM) & Credit Union Re-engineering Team Purpose of CRM initiative: Design a financial services delivery model, customer-centric, interactive, efficient, and consistent •Created a new approved corporate culture and integration plan •Developed branding and branch design models •Wrote and implemented Customer Relationship Management strategies •Completed salary surveys, job descriptions, incentive and performance modeling •Implemented extensive technology upgrades Residential Lending Division •Created Residential Mortgage Division allowing Credit Union to offer 1st mortgage loans •Wrote policies and procedures of division to meet corporate, state, and federal requirements •Developed 1st and 2nd mortgage products around ALM modeling and Credit Union growth objectives •Established relationships with FHA, VA, and secondary market to deliver loans •Negotiated/managed vendor contracts and relationships •Managed 50MM portfolio of real estate secured loans •Grew annualized 1st mortgage origination from $0 to $15MM in 12 months •Improved efficiencies and products for 2nd mortgage origination; 120% increase in first year •Responsible for the recruiting, development, and retention of team members •Directed media advertising; circulars, newspapers, TV, radio, and community events Show less

Education

  • Eastern Michigan University
    Bachelor of Business Administration (BBA), Finance
    1989 - 1992
  • Detroit Catholic Central

Community

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