Sales Trainer or Customer Service Manager or Accounts Manager

Kenneth A. Kean 208-345-2573/ 208-761-3794 1945 S. Myers St., Boise, ID 83706 [email protected] Professional Profile Extensive background in consumer lending; specifically in mortgage lending deali ng with conventional and sub-prime mortgages (primary, secondary and investment properties). Approving loans or packaging loan submissions for final underwriti ng by management based upon my analysis and recommendation and/ or lenderas guid elines. a Mortgage Loan Underwriting a Mortgage Loan Processing a Mortgage Loan Origination a Financial & Credit Analysis a Loan Presentations/ Recommendation a Customer Service a Branch/ Store Manager a Staff Trainer & Development a Inventory Control a Develop & Implement Marketing Plans a Account Collections a Business & Person-to-Person Sales Professional Experience Boise U.S. Employees Federal Credit Union, Boise, ID 06/2009 a" 03/2010 Loan Supervisor Responsibilities: Approve or deny creditworthy consumer/ real estate loan submitted by loan staff Audit/ review loan files for accuracy of loan documents and disclosure per poli cy and guidelines Prepare monthly board reports showing loan production, portfolio growth or decl ine, portfolio yield, VISA and loan delinquency, charge-off recommendation and r ecommendation of loan promotions Attend monthly board meetings and deliver reports Collect delinquent loan and VISA accounts; NSF checks and fees Prepare marketing material for distribution to federal facilities to members an d eligible members Northwestern Mutual Financial Network/ Bailey Financial Group, Boise, ID 04/2008 a" 12/2008 Financial Representative Achievements: Licensed insurance agent Life, Health & Disability; State of Idaho Responsibilities: Review clientas financial planning/ goals with regards to protection of assets; growing portfolio and secure retirement goals Make recommendations based upon clientas goals to protect assets and family in the event of premature death or disability, grow portfolio for college funds and / or retirement and plan for wealth management Inquire as to clientas health; order medical physical (as necessary) Review application; policy request and rate file prior to submission to underwr iter Idaho Banking Company, Meridian, ID 08/2003 a" 01/2008 Assistant Vice-President/ Construction Loan Officer Achievements: Managed $11MM construction portfolio Promoted to Assistant Vice-President Recognized for Outstanding Customer Service received through customer comments/ letters Responsibilities: Review clientas income documentation; credit report; assets; cost breakdown; ap

praisal per specs & plans Prepare cash flow analysis; compare ratios; justify/ support exceptions Underwrite file; review merits of loan package for approval or denial Prepare a formal write-ups indicating pros & cons of approving loan with attach ed spreadsheets for final underwriting by Senior Credit Officer Process file to insure proper insurance provided; title insurance Close loans in-house when escrow was unnecessary Rent-A-Center, Boise, ID 10/2000 a" 07/2003 Store Manager Achievements: Took over an unprofitable store and made it profitable Trained 2 Store Managers; 2 Assistant Managers Retained largest percentage of customer base acquired from buyout of a regional competitor Responsibilities: Managed day-to-day operations of retail store Approved applications for accounts; empowered employees to make comparable deci sions Prepare store budget; track daily store performance from prior day sales Train store personnel for promotion opportunities Collect serious delinquent accounts/ repossess merchandise Crossland Mortgage Corporation, Boise, ID 05/2000 a" 09/2000 Account Executive Responsibilities: Solicit aAa and aAlt Aa; VA, FHA loans from mortgage brokers Forge relationships with mortgage brokers for long-term; sustained business Underwrite packages in the field prior to submission to insure loan request mee ts guidelines; FICO scores; ratios; source of down payment Aames Home Loans, Boise, ID 08/1999 a" 02/2000 Senior Loan Officer Responsibilities: Solicit aAlt Aa loans via telemarketing leads & referrals from realtors Meet with clients; review income documents, credit report & assets etc Education Saint Martins College, Lacey, WA Bacheloras Degree a" Business Management Magna Cum Laude Pierce College, Tacoma, WA Associateas Degree a" Business Associateas Degree a" Arts & Science Deanas List References References are available upon request. Additional Experience Residential Mortgage Concepts, Boise, ID 07/1998 a" 05/1999 Branch Manager WMC Mortgage Corp, Boise, ID 02/1998 a" 07/1998 Branch Manager RMB Financial Services, Boise, ID 12/1996 a" 02/1998

Branch Manager UC Lending, Tacoma, WA 07/1996 a" 12/1996 Loan Officer Norwest Financial, Bremerton, WA 09/1993 a" 07/1996 Assistant Manager Enterprise Rent-A-Car, Olympia, WA 10/1988 a" 07/1993 Branch Manager