Regional or VP or SVP or Director or District sales

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DEBORAH CLEMONS 845 2nd Ave South, Tierra Verde, FL 33715 941-725-2279 // [email protected] REGIONAL VP - SALES/MARKETING Growth Strategies / P&L / Key Account Development & Management / JV's / Complian ce / Operations / Niche Marketing / Direct Sales Teams / Consultative Sales / Cu stomer Relations / Multi-Products Identifying growth opportunities and implementing aggressive strategies, I consi stently optimized P&L, exceeding goals for sales, market share, and profit. Lead ing companies through critical transitions, I established new divisions, opened new branches, and established sales/operations processes to maximize performance . * Driving regional sales for multi-million dollar corporations to set records in saturated markets * Evaluating and taking calculated risks to build competitive advantage and gene rate revenue * Building/revitalizing sales teams, generating top performance in comparative r ankings * Opening untapped markets, designing websites, and improving cross-selling to d rive growth * Developing customer-focused processes to improve customer satisfaction Motivated and dedicated, I bring a positive, "can-do" approach that created a fo undation for a progressive record of sales success. I'm an effective communicato r, working well with staff, customers, partners, and executives. I hold Real Est ate Licenses in FL/MI and FL/National Mortgage Brokers Licenses. Also: Certified Respiratory Therapist. HIGHLIGHTED ACCOMPLISHMENTS Exceeded goals in building new division. Started up retail division for wholesal er Taylor, Bean, opening sales/operations centers in several FL markets. Generat ed $65M in sales volume, 46% over goal in 2008. Closed $145M, 69% over goal in 2 009. Created product mix of 92% new business during refinance "era." Moved region from last to first. SunTrust region had been at bottom for five yea rs. Set performance standards and recruited top performers to source outside bus iness. In 2006, grew production 49%/profits 35%. In 2007, grew production 28%/pr ofits 35%. Won top ranking in FL for overall production growth/revenues and top 10% in Sales. Developed programs to improve core metrics. Growth in two key measures was low. Created sales/operations incentive programs for new deposits, and paired Mortgag e/Private Wealth staff to co-market to high-end clients. Moved SunTrust Tampa re gion from last to one of top two in new deposit growth and cross selling/funding loans. Expanded product line, increasing product volume 182%. When Washington Mutual to ok over PNC, it was only selling one mortgage product. Coached/trained sales sta ff on all mortgage products. Within first year, became one of top five in local market share within first year. Continued to exceed all financial plans over nex t four years. Designed/implemented company website to leverage competitive advantage. Taylor B ean was known for lending FHA/VA and 203-K (renovation loan) products. Created w ebsite to educate Realtors on 203-K program and marketing techniques. Increased

number of 203-K products concluded by at least 42%. CAREER HISTORY Branch Owner, WestStar Mortgage Corp., 2010. Co-founded mortgage "net-branch" wi th former Taylor, Bean colleague. Promoted niche product, FHA Construction Loan, to builders/developers in Tampa Bay. VP, Regional Manager, Taylor, Bean & Whitaker Corp, 2007 - 2010. Hired to build retail mortgage business from scratch for mortgage banking wholesaler. Recruited top sales performers and created Operations Department. Met regulatory requirem ents. Reporting to Retail President, managed P&L for $200M volume and 90 staff. Regional Manager, EVP, SunTrust Mortgage, 2005 - 2007. Reporting to Regional Pre sident, held P&L accountability for $1B in production and managed 150-175 staff. Collaborated with President to prepare and deliver presentations to Board. Grew volume from $400M/2005 to $820M/2006, and $1B in 2007. Branch Manager, First VP, Washington Mutual Home Loans, 2001 - 2005. Held P&L ac countability, achieving $300M in production volume with 35-40 staff. Expanded pr oduct mix. Spearheaded revenue growth 182%/net profit by 120 Bps. Ranked #1 for highest Application to Funding pull-through, 84% vs. 65% average. Area Sales Manager, PNC Mortgage, 1998 - 2001. Led 12-16 staff, driving growth i n West coast FL. Held P&L accountability for $150M. Trained staff on automated o rigination/closing system. Acquired by Washington Mutual. Earlier: Mortgage Sales, Real Estate Property Appraiser, Real Estate Agent, and Respiratory Therapist.

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