David M.

Floyd Residential Mortgage and Construction Lending

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Scottsdale, AZ 85258 Cell: 480-225-5559 Home: 480-483-5341 dmfloyd@cybermesa.com

Summary of Qualifications
Specialized skills and experience in all types of residential mortgage lending: construction loans, permanent loans, interim loans, lot loans Financial and collateral analysis, underwriting, inspections, releases, disbursements, servicing Sales and business development Team building, project management and training Loan product and workflow design Accounts analysis, compliance, and quality control Coordinating cross-department efforts, building rapport between various management groups * TBI Mortgage Scottsdale, AZ * * February, 2013 August, 2013

Origination Team Manager Hired to manage team of loan officers and processors for production of loans in Toll Brothers western division: California, Washington, Texas, Arizona, and Colorado.

U.S Bank Home Mortgage Scottsdale, Arizona

District Sales Manager

August, 2011 February, 2013

Managed team of five to seven loan officers. Coordinated referral and business development efforts with banks retail branches to increase mortgage referrals and deepen banking relationships: district increase in applications of 596% representing 579% of goal. As part of this effort, devised and implemented in-store Realtor of the Week program to leverage realtor business relationships and increase purchase loan business.

Morgan Stanley Smith Barney - Albuquerque, New Mexico

Financial Advisor Associate

March, 2010 March, 2011

Participated in Morgan Stanley plan to develop a book of prospects interested in long-term financial and retirement planning.

Bank of America - Albuquerque, New Mexico

Vice President, Branch Manager Consumer Real Estate

May, 2006 March, 2010

Responsible for retail residential mortgage production throughout New Mexico and parts of Texas. Increased production, boosted the pull-through ratio, improved the quality of loan submissions, and increased adherence to compliance guidelines. I achieved these through a combination of coaching and educational initiatives, as well as by conducting pre-underwriting loan reviews and quality assurance follow-ups.

First National Bank of Santa Fe - Santa Fe, New Mexico

Vice President, Manager Residential Real Estate Department

November, 2001 May, 2006

Re-organized and re-energized the mortgage department, returning it to profitability within a six month period. Originated and serviced a portfolio of permanent and construction loans; was the lead underwriter for sold loans. Expanded the departments loan menu to include construction loans, acquisition and development loans, and lot loans. Created a true single-close loan product. Worked closely with Private Banking to service borrowing needs of high net worth individuals. Designed and implemented a bank-wide mortgage education and training program. Oversaw the installation of new origination and servicing software, and implemented a customized on-line mortgage application system.

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Bank 1st Mortgage Company - Santa Fe/Albuquerque, NM

Manager, Santa Fe Lending Office

October, 2000 November, 2001

Opened real estate lending branch for the new Mortgage Division of Bank 1 st, Albuquerque. Originated, processed, and serviced all construction and permanent residential real estate loans.

First Security Bank of New Mexico - Santa Fe, New Mexico

Loan Production Manager

November, 1996 September, 2000

Coordinated sales, business development, community relations, and loan officer activity to ensure the overall profitability of the Santa Fe mortgage cost center. Underwrote most of the construction, conventional, and FHA loans. Originated, closed, and serviced all construction loans, in addition to maintaining my own pipeline of lot, A&D, and permanent loans. Opened a dialogue with San Juan Pueblo for mortgage loans on tribal lands, which resulted in our being the first bank to make a Section 248 loan to one of their tribal members.

First City Financial - Santa Fe, New Mexico Loan Officer

March 1996 - November 1996

Marketed, originated and brokered mortgage loans. All types of property and paper.

Financial Services and Self-Employment

Cigna Financial Planners, Self

1994 1996

Intensive training in estate planning and business structuring. Sales of insurance/financial products. During this period, I also managed investment property in Santa Fe, other investments.

Brush Ranch School - Tererro, New Mexico

Director

March, 1989 August, 1993

Full responsibility for the daily operation and administration of private boarding school for children with learning disabilities. Revamped the schools public profile and strategic plans, established a new marketing strategy and operating procedures, and brought personnel expenditures under control. The school had extensive vocational and recreational offerings as well as a strong educational component, and it was essential to coordinate everything for compliance with the states education, health, fire, medical, and pharmacy regulators. By gaining accreditation by the North Central Association, the number and quality of enrollment applications improved, thereby broadening students options for enrollment in mainstream high school and college programs.

Boston Safe Deposit and Trust - Newport Beach, California Account Group Manager

November, 1987 March, 1989

Trained and managed team of account managers in the analysis and processing of financial statements, tax returns and property documents for loans to high net worth individuals. Worked on banks behalf to coordinate lending with Shearson-Lehman in New York. Managed 715 loans totaling $294 million in two years. Received Shearsons Superior Service Award for exemplary performance in closing large, complex loans.

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Cache Road National Bank - Lawton, Oklahoma

Mortgage Loan Representative

July, 1985 March, 1987

I started out in banking here, in the proof and bookkeeping departments. When I found out the bank had been cited in an audit for not having acceptable manuals for procedures and operations, I volunteered to compile them as part of my MBA degree requirement. When I was promoted to the Mortgage Department, I also put together a process for logging and tracking mortgage loans.

Education MBA with High Honors Oklahoma City University, 1986 BA, English Grinnell College, 1978 Centro de Estudias Colombo Americano Bogota, Colombia, 1977 Organizations/Licensing/Certifications/Misc. Certified Residential Underwriter (Mortgage Banking Association) Active Volunteer: Crow Canyon Archaeological Center Arizona Department of Education Teaching Certification Past member Arizona Mortgage Lenders Association S.A.F.E. ACT licensing (expired): AZ , CO, CA, WA, TX Past Board Member New Mexico Mortgage Lenders Association Series 7, 66, and 31; New Mexico Life and Health (expired) New Mexico and California Real Estate License testing passed New Mexico GB98 builders license testing passed Previous president, Capital City Lions Club, Santa Fe