Branch Manager at Get A Rate Home Loans

• Jul 2020 - Present

Mortgage Banker

• Jan 2020 - Jul 2020

I believe in the value of homeownership and understand that each individual’s financial situation is unique. My goal is to make the home loan process as easy and seamless as possible, and find the right mortgage to get you into your dream home. I have a deep understanding of the many loan programs on offer at HomeVantage and work closely with my clients to find the right home loan product to fit their needs. If you’re thinking about purchasing a new home or refinancing an existing mortgage, I would be happy to talk to you about your current and long-term needs. Whether you’re looking to purchase your first home or your fifth, or thinking of refinancing, contact me today to get started. Show less

Mortgage Banker

• Feb 2018 - Dec 2019

Ensuring exceptional client experience by overseeing loan process from origination through closing. · Conduct credit, underwriting, and financial analysis to qualify clients for loan programs. · Complete and review customer loan applications to determine application approvals/denials and provide credit assessments to borrowers. · Guiding the loan through closing by coordinating all stages and deadlines with my processor, the underwriters, the closing attorney, the realtors and the borrowers. · Execute loan origination process, including ordering credit reports, appraisals, and title reports. · Initiating pricing on the Automated Loan Pricing Engines and determined appropriate rate locks, and issuance of disclosures adhering to TRID compliance requirements. . Complete underwriting due diligence by running loan files through Desktop Underwriter (DU) AUS. Show less

Futures Derivatives Day Trader

• Jan 2017 - Jan 2018

• Earned a Funded Account® by adhering to strict rules and meeting profit targets set forth for funding. • Contracted with Topstep Trader to manage risk and trade on a $50,000 Funded Account®. • Traded a wide range of markets including: index, commodity, energy, metal, and currency futures using technical analysis. • Executed trades based observation of chart patterns, order flow, and momentum of price discovery. • Earned a Funded Account® by adhering to strict rules and meeting profit targets set forth for funding. • Contracted with Topstep Trader to manage risk and trade on a $50,000 Funded Account®. • Traded a wide range of markets including: index, commodity, energy, metal, and currency futures using technical analysis. • Executed trades based observation of chart patterns, order flow, and momentum of price discovery.

Private Equity Analyst Intern

• Jul 2016 - Dec 2016

• Filtered brokered deals using Excel to find companies with revenues between $5M and $40M and EBITDAs greater than $1M to contact. • Liaised with brokers and signed Non-Disclosure Agreements to receive confidential company info. • Analyzed the company’s financial statements and qualitative information included in the memorandum to create reports in regards to company financial metrics and growth prospects. • Entered company financial statements into financial models to forecast fair value of the businesses. • Presented my analysis and reports of companies that met the fund’s investment criteria to my manager. Show less

Senior Student Analyst, Portfolio Management Team

• Jan 2016 - May 2016

• Responsible for helping the team generate alpha for the $500,000 real money GSU Student Managed Investment Fund. • Found stocks of companies with attractive business models which generate earnings growth. • Built excel models such as Discounted Cash Flow Models (DCF), Dividend Discount Models (DDM), and used Relative Valuation Analysis methods to value the equities. • Used Compounded Annual Growth Rates to determine a base case growth rate for models. • Analyzed the company’s financial statements and fundamentals to reinforce my forecast of healthy earnings growth in the future. • Used the Bloomberg Terminals in the finance department to analyze the company’s key financial ratios and performance indicators. • Researched the companies further by reading and analyzing the company’s SEC filings such as the 10-K report and other financial reports using SEC EDGAR filing retrieval system. • Prepared 30 minute presentations to pitch the team on my valuation and findings in order persuade them to vote in favor of taking a position in the equity within our investment portfolio. • Completed two equity purchase recommendations for our investment portfolio using DCF models, one of which returned over 20% in 4 months. • Attended the Quinnipiac G.A.M.E. Forum (Global Asset Management Education) in New York City with the Portfolio Management Team, which gave me practical insights about the finance industry Show less