MARY KITCHEN

110 Eastwind Lane * Fern Park, Florida 32730

407.831.2296 * mk65f1e6@westpost.net

FINANCIAL SERVICES PROFESSIONAL

Commercial, Mortgage, Wholesale, Retail
Dynamic, personable financial services professional with over 20 years experienc
e delivering practical, high-volume origination, broker and departmental managem
ent in competitive commercial and consumer loan environments. Adept at recruiti
ng and training highly effective financial professionals, and encouraging peak p
erformance. Outstanding interpersonal skills. Broad corporate experience at pr
emier American lending institutions. Known for meeting and exceeding demanding
quotas and schedules. Leader and mentor.
Underwriting * Broker Management * Commercial Loans * Mortgage Loans * Retail an
d Wholesale
FHA * VA * FannieMae * Construction and Permanent * ARM * Fixed Rate * Prime and
Subprime
Revenue Growth * Strategic Planning * Budgeting * P&L Responsibility * High Volu
me
Account Management * Operational Streamlining * Key Staff Mentoring * Problem Re
solution
Corporate Presentations * Executive Reports * Trade Shows * Team Leadership
PROFESSIONAL EXPERIENCE

Florida Insurance Specialists LLC- Lake Mary, Florida * 2008 -2009

Independent Insurance Agency that writes Property and Casualty Insurance through
out the State of Florida. I am a Licensed 220 Agent with them and an Independen
t Contractor who works outside bringing business into the office. I work the Orl
ando and surrounding area, including Volusia, Polk, Osceola, Lake and Flagler co
unties.
CITIMORTGAGE, Clearwater, Florida * 2006 - 2007
America's second largest wholesale lender, dealing in FHA, VA, FannieMae, constr
uction-to- permanent, ARM, fixed rate and subprime loans.
Account Executive
Collaborated with broker network to originate and repackage conforming mortgage
loans. Recruited and trained new brokers, and encouraged efficient, high-volume
loan production. Delivered computer-based presentations to mortgage broker sta
ff and loan officers. Trusted to work independently from home office. Maintain
ed close broker contact to ensure proper loan rate and feature use. Utilized pr
ice incentives to increase origination volume and quality. Made executive sales
calls. Counseled loan originators concerning particular loan scenario requirem
ents. Ensured trouble-free originations and closings. Produced executive-level
management reports and summaries. Spearheaded regional CitiMortgage trade show
presence.
Selected Contributions:
* Recruited 10 profitable new brokers.
* Streamlined group sales meetings.
COUNTRYWIDE WHOLESALE, Maitland, Florida * 2005 - 2006
Premier wholesale lender dealing in a wide variety of mortgage loans.
ACCOUNT EXECUTIVE
Managed 25-account, prime mortgage wholesale business in Brevard, Volusia and Ce
ntral Florida. Conducted extensive brokers training and supervision.
Selected Contributions:
* Produced $8M in volume in March, 2006 alone.
* Represented company at diverse recruitment and trade functions.
*
AEGIS WHOLESALE, Maitland, Florida * 2004 - 2005
Mid-sized national pass-through lender.
Branch Manager
Sited new office location. Recruited and trained loan account sales staff. Pro
spected for loan partners, and provided detailed technology and loan packaging i
nstructions to broker base. Maintained branch P&L responsibility. Organized tra
de show representation.
Selected Contributions:
* Successfully launched new branch office.
* Produced $8M in broker business in single year.
WORLD S&L, Orlando, Florida * 1993 - 2004
National originator and reseller of option ARM and Fannie Mae fixed rate loans.
Branch Manager
Directed loan center Origination Department. Recruited and managed 6 wholesale
loan representatives. Established departmental goals and resources. Led exten
sive employee and broker sales training. Developed profitable portfolio consis
ting of 90% ARMS, and 10% FNMA Fixed 30-year, 5-year 2-step, and Community Homeb
uyer loans. Delivered effective corporate presentations. Achieved underwriting
and sales quotas. Exercised $150K personal lending authority. Resolved indivi
dual loan appraisal and underwriting problems. Produced weekly volume, and mont
h end reports for senior management. Developed quarterly and yearly budgets. C
onducted yearly performance reviews and evaluations. Managed trade show presenc
e.
Selected Contributions:
* Exceeded production quota by 125% and 203%.
* Named affiliate Retail Loan Officer of the Year in 1993, 1994, 1995 and 1996.
* Honored with President's Club recognition and overseas vacations.
* Promoted to Assistant Vice President for departmental performance.
CHRYSLER FIRST BUSINESS CREDIT, Atlanta, Georgia * 1988 - 1990
Commercial mortgage loan subsidiary of Chrysler First Financial.
General Manager
Administered 5-state territory. Originated commercial mortgages on income produ
cing properties up to $5M. Oversaw loan origination and yearly property inspect
ions. Exercised $500K personal lending authority. Recruited and trained profes
sional office and origination staff. Controlled territory budget.

Selected Contributions:
* Managed $60M, 400 account portfolio.
* Launched two satellite offices in Nashville, Tennessee and Birmingham, Alabama
.
* Maintained business unit Profit and loss accountability.
EDUCATION
Associates Degree - Business Administration (expected 2011)
Valencia Community College, Winter Park, Florida
Have my 220 State Insurance License-Obtained April 2008
Just became an FHA Credit Examiner
Will be obtaining my DE Certification June 23,2010 from Mortgage University

l. Worked briefly as an Underwriter at Digital Risk from October 2009 to Decembe

r 2009.
2. Did some temporary work doing Audit Compliance on Conventional and FHA loans
for
Wise QC Auditing in April 2010