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“As the Chief Executive Officer, I had the distinct pleasure of working with and overseeing Sir on a variety of marketing initiatives. When Sir joined us, he immediately exceeded our expectations by completing new and challenging projects at a professional level. As a Wholesale Lender that depends on a strong marketing strategy, Sir’s work left a lasting impact on our organization.”
Sir L. Rodeheaver
949.616.0900 [email protected]
41 Sagecrest, Foothill Ranch, CA 92610
Andy Pollock, Chief Executive OfficerIcon Residential Lenders
Driven. Passionate.
ResumeReferences
FlyersNewsletters
LogosPhotography
MiscellaneousNon-Profit
“His key strengths are his creativity, dependability, productivity, project management, and team attitude. He was the type of employee you could give any task and be confident he would do whatever it took to accomplish it. His productivity set a new standard in the department...”
Debbie Shetland, Vice President of Wholesale MarketingAames Home Loan
References.
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Flyers.
Rates andTurn Times
M AT R I C E S• Agency Conforming ARM Matrix• Agency Conforming Fixed Matrix• Agency High Balance Matrix• DU Refi Plus Matrix• Portfolio Conforming ARM Matrix • Portfolio Conforming Fixed Matrix
• Portfolio DU Refi Plus Matrix• Portfolio High Balance Matrix• FHA Standard Matrix• FHA Streamline Matrix• VA Matrix• Texas Section 50(a)(6)(Cash Out)
T U R N T I M E SR AT E S
2301 Campus Drive, Suite 100Irvine, CA 92612888.202.0878
FHA Streamline:No Credit Qualify -640 FICO
Programs subject ot change without notice. Icon Residential Lenders, LLC is a mortgage services provider for Grand Bank, a federally chartered national bank and its wholly owned subsidiary, Carnegie Mortgage, LLC.
C H E C K O U T O U R R AT E S A N D B E S T I N C L A S S T U R N T I M E S !
High Balance Loans Available!• NO PAYSTUBS• NO W2’S• NO TAX RETURNS• NO ASSETS*• NO RESERVES• NO APPRAISAL OR AVM REQUIRED
C O N TA C T Y O U R I C O N A C C O U N T E X E C U T I V E F O R M O R E D E TA I L S !
ANY SERVICER ALLOWEDCREDIT REPORT REQUIRED
12 MONTH 0X30 MORTGAGE RATING REQUIRED ON ALL MORTGAGES
* If assets are required then they must be verified.Employment section of the 1003 must be completed. See product guidelines for restrictions.
Eligible for Borrowers with 5-10 Financed Properties.
C H E C K O U T O U R R AT E S A N D B E S T I N C L A S S T U R N T I M E S !
C O N TA C T Y O U R I C O N A C C O U N T E X E C U T I V E F O R M O R E D E TA I L S !
2301 Campus Drive, Suite 100Irvine, CA 92612888.202.0878
Non-Owner Occupied:CASH OUT!
• Minimum 720 FICO
• The Maximum LTV/CLTV for Cash-out when the Borrower
• MINIMUM 720 FICO
• THE MAXIMUM LTV/CLTV FOR CASH-OUT WHEN THE BORROWER OWNS 5-10 FINANCED PROPERTIES IS AS FOLLOWS:
• SECOND HOME AND 1-UNIT INVESTMENT: 70%/70%
• 2-4 UNIT INVESTMENT: 65%/65%
• BORROWERS WHO PURCHASED THE SUBJECT PROPERTY WITHIN THE PREVIOUS SIX MONTHS ARE ELIGIBLE FOR A CASH-OUT REFINANCE
* Only if property was purchased within 6 months under delayed financing** Eligible on Portfolio Conforming only - Subject to Delayed Financing Requirements
Programs subject ot change without notice. Icon Residential Lenders is a DBA of Carnegie Mortgage, LLC, a wholly owned subsidiary of Grand Bank, N.A.
Icon Brings you More Purchase Power!
2301 Campus Drive, Suite 100Irvine, CA 92612888.202.0878
.25 Incentive.25 Incentiveon All Purchase Transactions!*
Icon Residential Lenders, LLC is a mortgage services provider for Grand Bank, a federally chartered national bank and its wholly owned subsidiary, Carnegie Mortgage, LLC
Call your Icon Account Executive for details!
*on all new locks effective 2-6-2013
E-recycle is a system whereby electronic items can be properly discarded and recycled without posing a threat to the environment. It is vital that we safely reuse and recycle all of our e-waste. Trinity Recyclers offers an efficient recycling service for safe reuse and safe recycling of all electronic waste.
Trinity Recyclers achieves the highest environmental outcome by manually dismantling all e-waste items into individual materials and components.
Free and Safe Disposal of:TV’s, Fax Machines, Photo Copiers, Phones, Stereos, Computers, Monitors, Washer/Dryer, Hair Dryers, Speakers, Microwaves, Cookers, Fans, iPods, Air Conditioners, Coffee Makers, DVD/VCRs, etc. ANYTHING you can plug in!
28052 CAMINO CAPISTRANO, #107, LAGUNA NIGUEL, CA 92677 / 949.364.9200 O / 949.466.8507 C / WWW.TRINITYRECYCLERS.COM
CALIFORNIA’S RECYCLERTrinity Recyclers
SUPPORT EDUCATION AND HELP PROTECT THE ENVIRONMENTPARTNER WITH TRINITY RECYCLERS TO RAISE MONEY FOR YOUR SCHOOL
FUNDRAISING MADE EASYCALL TODAY TO SCHEDULE A PTA RECYCLING FUNDRAISER EVENT
FOR EVERY POUND OF WASTE THE SCHOOL WILL RECEIVE 6 CENTS.
MAKE A DIFFERENCE. E-recycle is a system whereby electronic items can
be properly discarded and recycled without posing a threat to the environment. It
is vital that we safely reuse and recycle all of our e-waste. Trinity Recyclers offers
an efficient recycling service for safe reuse and safe recycling of all electronic
waste.
Make a Donation and Support Your Local School Today!
MAKE A POSITIVE IMPACT.
Castille Elementary School24042 Vía La Coruna,Mission Viejo, CA 92691
For every pound donated the school will receive 6 cents to put towards building a stronger future and education for the children.
Date: April 20, 2013Where:
Free and Safe Disposal of: TV’s, Fax Machines, Photo Copiers, Phones, Stereos, Computers, Monitors,
Washer/Dryer, Hair Dryers, Speakers, Microwaves, Cookers, Fans, iPods, Air Conditioners, Coffee Makers,
DVD/VCRs, etc. ANYTHING you can plug in!
E-recycle is a system whereby electronic items can be properly discarded and recycled without posing a threat to the environment. It is vital that we safely reuse and recycle all of our e-waste. Trinity Recyclers offers an efficient recycling service for safe reuse and safe recycling of all electronic waste.
Trinity Recyclers achieves the highest environmental outcome by manually dismantling all e-waste items into individual materials and components.
Free and Safe Disposal of:TV’s, Fax Machines, Photo Copiers, Phones, Stereos, Computers, Monitors, Washer/Dryer, Hair Dryers, Speakers, Microwaves, Cookers, Fans, iPods, Air Conditioners, Coffee Makers, DVD/VCRs, etc. ANYTHING you can plug in!
28052 CAMINO CAPISTRANO, #107, LAGUNA NIGUEL, CA 92677 / 949.364.9200 O / 949.466.8507 C / WWW.TRINITYRECYCLERS.COM
CALIFORNIA’S RECYCLERTrinity Recyclers
SUPPORT EDUCATION AND HELP PROTECT THE ENVIRONMENTPARTNER WITH TRINITY RECYCLERS TO RAISE MONEY FOR YOUR SCHOOL
FUNDRAISING MADE EASYCALL TODAY TO SCHEDULE A PTA RECYCLING FUNDRAISER EVENT
FOR EVERY POUND OF WASTE THE SCHOOL WILL RECEIVE 6 CENTS.
Icon Residential Lenders, LLC is a mortgage services provider for Grand Bank, a federally chartered national bank and its wholly owned subsidiary, Carnegie Mortgage, LLC
*See product guidelines for restrictions
ICONSCORES
• Escrow Waivers ONLY .125 (conforming conventional only)
• No MLS Seasoning
• Electronic Delivering for Disclosures
• Free DU within Icon IQ2
Celebrate Freedom @Celebrate Freedom @
JULY 3RD
3PM - 8PM
THE VILLAGE AT ORANGE
1500 EAST VILLAGE WAY
ORANGE, CA 92865
714.998.1521
SHACHAH
E-TRIBEYOUNG CHOZEN
A New Beginning PRESENTS
FOR INFORMATION CALL
866-538-8221
Between Red Robin and Todai by the Food Court
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CALI THROUGH AND THROUGHI was born in Harbor City and raised in Little Saigon, California. As a youngster, I played football and baseball and sang in choir all four years in high school. My whole life I have been in choir and I still sing in my church choir. As for my sports team; I love the Angels, Raiders and Lakers.
I served honorably in the US Army for six years and did several tours of duty in Iraq as a Cavalry Scout and Mortar Man. I’ve been training in Muay Thai for the last nine months and love it. Learning how to kick @$$ in a different way is one of the best things I’ve ever learned.
My beautiful wife, Stacey, and I have four great kids; Sandra (12), Marlon (11), Mia (8) and Zion (4). My kids are very active in after-school extracurricular activities and I love being very active in those. Sandra plays volleyball. Marlon plays chess and trains in Brazilian Jiu Jitsu. Mia also trains in Brazilian Jiu Jitsu. Zion does nothing – he’s too young.
Every day at Icon is new and challenging. I enjoy coming to work, because I learn something new every day. I hope to stay employed at Icon for many years to come. I want to send a shout out to Liz Brandon and Erick Benas!!! Thank you for believing in me.
God. Family. Country. Amen.
Who am I? My name is Eisen [eye-zen] Atuatasi and I’m part of Icon’s Loan setup team working in the scan room and indexing files.
I was born and raised in Orange County. I mostly grew up in Newport Beach and Huntington Beach. My family moved to Mission Viejo when I started High School, where I indulged in Soccer and Track. Right after high school, I started working for my family’s mortgage company and knew it was my career path. Here I am over 20 years later and still love it!
My most favorite thing about my life is being with my children. I am a mom of two wonderful boys. Their ages are Zane Lee 5½ and Kingston Lee 3½. When I am spending time with them, it’s all about remote control cars, nature walks looking for bugs, practicing spelling and math and of course anything dealing with being outside. My immediate family lives very close and we spend lots of time with my folks.
I am a real “foodie”. Anytime I can watch the Cooking Channel or Food Network, I do. I took a couple of cooking classes in college and got the
bug. I like to make anything from Greek yogurt (made in a pillowcase) to catching my own fish and enjoying it barbequed or grilled. I also, like to use fresh herbs, fruits and veggies from my garden to accompany my meals.
I really enjoy reading! My favorite genre to read is anything relating to physics. Yes, I am an undercover geek, but I can’t help it. Learning about Quantum Mechanics, Astrophysics and Cosmology are a serious passion of mine.
Photography and jewelry making are few of my hobbies. I concentrate on taking photos of nature and trying to bring out the depth and beauty, I see. Jewelry making has been a great creative outlet for me. I actually turned it into a part-time business after I had my children. Of course, leaving little beads around the house wasn’t such a good idea once they started to walk. So, now I just make jewelry for myself.
Lastly, I am honored to have been asked to share with my Icon family a little bit more about me. I love coming to work every day at Icon. I have experienced many growth
opportunities personally and professionally here. This is the place where opportunities abound and the people are like family to me. I am so excited to be on this journey with all of you. Positive people, get positive results. If you know anything about me, you know I am a very positive person and I am always smiling!
Who am I? My name is Nicole Lee. I currently work in the Underwriting Department and I am also a part of the IQ2 Users Group and a SME at Icon Residential Lenders.
W H O A M I ?
FAMILY TIES
An improving US economic outlook and increased optimism about Europe were unfavorable influences on mortgage rates this week. Fed purchases of mortgage-backed securities (MBS) under QE3 helped offset the losses, though. As a result, after several weeks of declines, mortgage rates ended the week just slightly higher. Friday’s Employment report was the big news this week. Against a consensus forecast of 120K, the economy added 114K jobs in September, but the data from prior months was revised higher by 86K. The Unemployment Rate unexpectedly dropped to 7.8%, the lowest level since January 2009, from 8.1% last month. Average Hourly Earnings, an indicator of wage growth, increased moderately from August. Any way you look at it, the September data exceeded expectations. This increases future inflationary pressures, which is negative for mortgage rates.
The results for the change in the number of jobs and for the Unemployment Rate are derived from different pools of data, and sometimes the two sources show wide discrepancies in a particular month. The Unemployment Rate is based on a survey of a small sample of households, and it can be extremely volatile, while the Payrolls data is based on information collected from businesses and tends to be more precise. This month, the household survey showed a gain of 783K jobs, which was the highest level since 1983, and far above the increase seen in the Payrolls data. Over longer periods, the two sources generally show similar results, but not necessarily in the short-term.
E M P L O Y M E N T D ATA E X C E E D S E X P E C TAT I O N S
W E E K A H E A D
Global central banks continued to add monetary stimulus this week, which was favorable for US bonds. The economic data was roughly neutral. As a result, mortgage rates ended the week a little lower.
On Wednesday, the Bank of Japan (BOJ) announced that it will increase its level of monetary stimulus, following simi-lar recent moves by the Fed and the European Central Bank (ECB). The goal of the central banks is to boost economic growth and to reduce joblessness. The primary tool used by the central banks is bond purchases. The increased demand for bonds, including US mortgage-backed securities (MBS), from central bank purchases has helped push mortgage rates lower.
The housing data released this week continued to show improvement in the sector. August Existing Home Sales rose 8% from July to the highest level since May 2010. August Housing Starts increased 2% from July, and Building Permits for single-family homes rose to the highest level since March 2010. The September NAHB Home Builders confidence index rose for the fifth straight month to the highest level since June 2006.
Next week, the Fed’s Beige Book will be released on Wednesday. Import Prices and the Trade Balance will come out on Thursday. The Producer Price Index (PPI) focuses on the increase in prices of “intermediate” goods used by companies to produce finished products and will come out on Friday, along with Consumer Sentiment. In addition, there will be Treasury auctions on Tuesday, Wednesday, and Thursday. Mortgage markets will be closed on Monday in observance of Columbus Day.
M O R T G A G E M A R K E T N E W S
B A N K O F J A PA N E A S E S
• Weekly Jobless Claims came in at 367K, within its recent range • Spain’s leader stated that Spain will not ask the ECB for aid any time soon • The European Central Bank (ECB) made no change in rates • Gold prices rose to the highest level since November 2011
A L S O N O TA B L E
I N S I D E T H I S I S S U E : A N N O U N C E M E N T S P 2 A W O R D F R O M G R A H A M P 3 W H O A M I P 4 W H O ’ S I N T H E K I T C H E N P 5 W H AT ’ S T H E N U M B E R S P 5
September 28, 2012 at 8:00 AM EST, the news went public. Rushmore Loan Management Services (“Rushmore”) signed an agreement to purchase ICON Residential Lenders. From Mortgage News Daily to Yahoo! News, the announcement was out on the wire. But that’s not the “Moment in Time” I am referring to… go back with me 15 hours to our Town Hall meeting.
“Big Al’s gone.” He continued, “That’s what they called my dad. Big Al.” Not the typical opening one would expect from the newly appointed CEO of ICON. Known for his story telling, Andy proceeded to share with everyone a touching story about the death of his father. Now, for those of you who couldn’t attend, you may be thinking, “sounds like a downer”. Let me tell you firsthand that it wasn’t. Not even close.
I pose the question, “Have you ever had a teacher or professor that was non-traditional in their thinking and it carried through to their teaching?” That’s Andy. You may not understand at the beginning of class where the dots are connected, but I guarantee by class-end you will and you will be moved; better yet, motivated.
On April 21st, 1999, Andy could have stopped living emotionally, spiritually and professionally, but he didn’t. In fact, it was on that very day that Andy started living – a re-birth if you must. Andy’s
story of his father’s death was not to give us, the audience, a glimpse of who he is – though it accomplished that as well – but it was shared to give us hope. It was shared to motivate. It was shared to remind us all that it’s normal to fear change but change is often needed to move forward. continued on p.6
M O M E N T I N T I M E
Our mission is to provide exceptional customer service to everyone we come in contact with going beyond the expected while establishing and maintaining relationships that are built on trust and respect; demonstrating a high regard for integrity and our commitment to doing things right the first time.
Our employees, customers and competitors will know us as the standard by which others are measured.
Our decisions and actions demonstrate four core values that we believe create long-term benefits for our customers, each other and the communities we serve.
We act with INTEGRITY...In all we do, we hold ourselves pesonally accountable for our behavior and actions; committed to business ethics that demonstrate honesty, trust and respect in all aspects of our work, providing quality leadership in people, product, process and service.
We value RELATIONSHIPS...We foster strong and long-lasting working relationships; consistently striving to treat our colleagues and customers with the respect they deserve and take pride in the significant contributions that come from the diversity of the individuals and their ideas.
We take pride in our CUSTOMER SERVICE...Our cutomer service exceeds expectations and we take responsibility for customer satisfaction. We are responsive, accurate, proactive and dedicated to not just meeting but exceeding the expectations of all our customers; internally and externally.
We are committed to LOYALTY...We cherish loyalty because of all it represents and we are sincerely committed to expressing our loyalty through our dedication and devotion to our customers, obligations, commitments and to one another.
O U R M I S S I O N
F A L L 2 0 1 2
SET A NEW TRAJECTORYAndy allowed us to share in one of his most vulnerable moments in time so that we
may be inspired.
O U R VA L U E S
ICONNECTTH
E
S I R R O D E H E AV E R
OCTOBER ANNIVERSARIESHerb Lau - 5 yearsJulian Villanueva - 4 yearsPeggy Douglas - 4 yearsTerry Bloes - 3 yearsCynthia Ellenburg - 3 yearsDena Ress - 3 yearsReyne Franco - 2 yearsKenna Johnston - 2 yearsNikki Ngo - 2 yearsMay Vue - 2 yearsJames Banuelos - 2 yearsVeronica Tillis - 2 yearsTiffany Johnson - 1 year
Help us with our hiring efforts by referring qualified candidate that you know or have worked with be-fore. We’re extending the $1,000 referral bonus! Check with HR for details.
We have openings for talented individuals in...
Operations• Account Managers• Loan Setup/Intake• Underwriters• Funders• Document Drawers• Supervisors / Managers
Sales• Account Executives Nation-wide• Retail Loan Officers
W E WA N T E D TO L E T Y O U K N O W H O W M U C H W E A P P R E C I AT E E V E RY T H I N G Y O U D O . B E S T W I S H E S F O R A N O T H E R S U C C E S S F U L Y E A R .
O N Y O U R A N N I V E R S A R Y
H I R I N G N E W S
Please join the executive team in welcoming Jeff Lisinicchia [listen-ick-ee-uh] as Icon’s Chief Financial Officer. Jeff joins ICON after a successful career with Peak Corporate Network. He formerly worked at Greenlight Financial Services for many years as Chief Financial Officer and GMAC Mortgage Corporation in various positions, including VP of Finance of the DiTech division and CFO of its mortgage REIT. Jeff has an exceptional track record for facilitating growth and instituting consolidated financial reporting practices providing accurate and timely results.
Also joining Icon is our new Senior Vice President of Service Management Sue Anthony. Sue joins ICON after a successful career with Global Logic Advisors. She formerly worked at First Franklin Financial Corporation, a Merrill Lynch company, for many years in various positions, including Director. Sue has an exceptional track record for delivering profitable solutions that exceed expectations, with measurable results, in information technology, business operations and management.
A N N O U N C E M E N T S
OCTOBER NEW HIRESArman Chapa - Account ExecutiveJanee Reeder - Account ExecutiveKris Buckley - Account ExecutiveKenneth Schultz - Account ExecutiveJohn “Ted” Sweeney - Account ExecutiveSean Finn - Midwest Area Sales ManagerMichael Broyles - Account ExecutiveDennis Dziubek - Account ExecutiveKaren Van - FHA UnderwriterGuadalupe Villegas - Doc DrawerCindy Breece-Garr - FunderSandra Garcia - Loan Set Up AssociateFrederick De Guzman - FunderGregory Chee - Doc DrawerTamara Cota - FunderAlynne Clay - FunderRichelle Brown - Account ManagerHilcia Winemberg - AM Team LeadCassandra Winkelman - Post Closing AssociateKerry Wilds - Loan Set Up AssociateRJ Arnett - EVP, Wholsale LendingAndy Pollock - CEOSue Anthony - SVP, Service ManagementJeffrey Lisinicchia - CFO
Ingredients Cooking spray12 ounces fully cooked Italian-style poultry sausage, cut into 1-inch pieces1/2 cup lightly packed fresh basil1 12-ounce jar roasted red peppers, drained, rinsed and cut into 1-inch pieces2/3 cup sun-dried tomatoes, cut into 1-inch pieces if large1 14-ounce can artichoke hearts, drained and quartered
DirectionsHeat a nonstick skillet over medium heat; mist with cooking spray. Add the sausage; cook, turning 2 or 3 times, until warmed through and browned, about 8 minutes.
Thread 1 small or 1/2 large basil leaf onto a small wooden skewer. Add a piece of roasted red pepper, sun-dried tomato, artichoke and sausage, arranging them
on the skewer so that it can stand up on the sausage end. Repeat with the remaining ingredients to make about two-dozen skewers.
A N T I PA S T O S A U S A G E S K E W E R S
M E A N G R E E N J U I C ES I R R O D E H E AV E RD I R E C TO R , M A R K E T I N G & B U S I N E S S D E V E L O P M E N T
Ingredients:1/2 cup Margarine2 cups Peanut Butter1 lb. Powdered Sugar3 cups Rice Krispies cereal8 oz Bar Milk Chocolate (Hershey Bar)6 oz Chocolate Chips1/2 Bar Paraffin Wax
Blend margarine, peanut butter and powered sugar. Mix in Rice Krispies cereal. Roll into 3/4-inch balls. Set aside.
Melt chocolate bar, chocolate chips and paraffin wax in double boiler. Turn heat down to low and dip the balls into the chocolate.
Remove and put on waxed paper and refrigerate.
Ingredients:6 Kale Leaves1 Cucumber4 Celery Stalks2 Green Apples1/2 Lemon1 piece of ginger6 Carrots (Optional)2 Tomatoes (Optional)
Directions:In a juicer; place each of the listed ingredients.
Tips:• Be sure not to start with the
ginger• If you are not sure how
much ginger to use, go lighter than heavier (it can be overwhelming)
G E T F I TI l o s t 25 lb s . i n one mon th
dr ink ing on ly th i s f o r every mea l (64oz da i l y i n take )
W H O ’ S I N T H E K I T C H E N ?
J E A N N E S TA F F O R DP O S T C L O S I N G A S S O C I AT E
K R I S P I E S P E A N U T B U T T E R B A L L SE L I S A A L L E ND I R E C TO R , L E A R N I N G & D E V E L O P M E N T
T H E Y L O V E I TGrea t ho l iday appe t i ze r.
Qu ick and easy and a lways a h i t .
Start with a clean grill. Keep it clean by brushing with a wire brush after preheating, and again after cooking. Make sure to oil your grates and
your food before putting it on the grill to keep it from sticking.Emeril Lagasse
I N S I D E T H I S I S S U E : A N N O U N C E M E N T S P 2 P I C S F R O M H A L L O W E E N P 3 W H O A M I P 5 W H O ’ S I N T H E K I T C H E N P 6 W H AT ’ S T H E N U M B E R S P 8
While Memorial Day is a day to honor those who died while serving our nation by remembering the
sacrifice they made, Veterans Day pays tribute to all veterans, both living and deceased. Public observances vary from small town parades with local veterans riding on floats to an official wreath-laying ceremony at the Tomb of the Unknowns in Arlington National Cemetery.
Although most Americans are aware that the Tomb of the Unknowns is a monument dedicated to unknown soldiers who sacrificed their lives defending America in World War I, War II and the Korean War, most Americans do not know the degree to which soldiers go to honor these veterans. Since 1948, soldiers have guarded the Tomb of the Unknowns 24 hours a day, 365 days a year regardless of weather.
The soldiers bravely remain at their posts, just as they stayed on duty during Hurricanes Isabel and Irene as well as the 2010 blizzard
which shut down the capital for days. Tomb Sentinels have the option of standing their watch over America’s fallen heroes under a tent when it rains, but they have consistently declined to do so.
Fewer than 20 percent of all volunteers are accepted for training and of those only a fraction pass training to become full-fledged Tomb Guards. Considered one of the highest honors to serve as a Sentinel at Arlington Cemetery’s Tomb of the Unknowns, this inspirational picture is a reminder of the service soldiers provide and displays the true honor, courage and commitment of the United States Military. The Guards of Honor at the Tomb of the Unknowns are highly motivated and proud to honor all American service members who are “Known But to God.”
On this Veterans Day, we would like to thank all the men and women who bravely served and sacrificed for the freedoms we have today. We are proud to honor you.
C O M M I T M E N T T H R O U G H T H E S T O R M
Our mission is to provide exceptional customer service to everyone we come in contact with going beyond the expected while establishing and maintaining relationships that are built on trust and respect; demonstrating a high regard for integrity and our commitment to doing things right the first time.
Our employees, customers and competitors will know us as the standard by which others are measured.
Our decisions and actions demonstrate four core values that we believe create long-term benefits for our customers, each other and the communities we serve.
We act with INTEGRITY...In all we do, we hold ourselves personally accountable for our behavior and actions; committed to business ethics that demonstrate honesty, trust and respect in all aspects of our work, providing quality leadership in people, product, process and service.
We value RELATIONSHIPS...We foster strong and long-lasting working relationships; consistently striving to treat our colleagues and customers with the respect they deserve and take pride in the significant contributions that come from the diversity of the individuals and their ideas.
We take pride in our CUSTOMER SERVICE...Our customer service exceeds expectations and we take responsibility for customer satisfaction. We are responsive, accurate, proactive and dedicated to not just meeting but exceeding the expectations of all our customers; internally and externally.
We are committed to LOYALTY...We cherish loyalty because of all it represents and we are sincerely committed to expressing our loyalty through our dedication and devotion to our customers, obligations, commitments and to one another.
O U R M I S S I O N
N O V 2 0 1 2
O U R VA L U E S
ICONNECTTH
E
S I R R O D E H E AV E R a n d E L I S A A L L E N
Soldiers of the 3rd Inf Reg. Continue to stand guard at the Tomb of the Unknown Soldier, despite the worsening weather conditions. Picture taken on Sept 18, 2012.
2 CommunityNews24/7 Jesus | August 2009
BookReview
CommunityCalendar
Continued on back page
June 2010
The One Thing You Can’t Do In Heaven By Mark Cahill
this was a very impactful book it transformed my walk with the Lord and got me off the sidelines and in the game sharing my faith. god’s timing was perfect because i realized that this book would lead me to my next spiritual phase with the Lord and it all had to do with sharing my faith. if you feel stagnant in your walk, i would encourage you to share your faith. god will show you a real miracle – that’s watching someone go from death to life. Not only that, but you get a part in it because god is using you to save another. the Bible says that He wishes no one will perish. this book will equip you with some very practical ways to share your faith and also some stories that will defiantly pump you up. Remember we don’t have to be called to be an evangelist to witness – it’s a lifestyle and more so it’s a testimony of what the Lord has done in your life. So enjoy the book and enjoy the fruit that comes from sharing your faith.
Every Mon & Wed ■Prayer & WorshipA time of dedicated prayer.A New Beginning,[email protected] 11am - 12:15pm
Every Thursday Night ■All Night Prayer & WorshipA time of dedicated prayer.A New Beginning,[email protected]:30pm–?
Every Tues, Thur, & Fri7 ■Bible StudyLive worship and a time of intimate bible study.A New Beginning,[email protected] - 12:15pm
Every Saturday Morning ■Bible StudyAn in depth study of the Bible.Trabuco Hills High School,[email protected]–7am
Saturday, June 5th ■Beachside SummerfestMusic event feat. Dominic Balli, Shachah, Lovelite & many more.Huntington Beach Pierbeachsidesummerfest.com, 11am–6pm, Free.
Saturday, June 12th ■2010 Fish FestMusic event feat. Toby Mac, Jeremy Camp, & many moreIrvine Amphitheaterthefish959.com3pm-11pm. $10.
Saturday, June 19th ■Freedom CrusadeThese engagements are geared to open the eyes of the church.A New [email protected]–1:30pm
Thursday, June 24th ■Attorney Q&A SessionStructured to answer any concerns or questions that you might have in regards to the program.A New [email protected]–8:30pm
Every Thursday ■Bible StudyEvery Thursday, excluding the last Thursday of each month. Live worship and a time of intimate bible study.A New Beginning,[email protected] - 8:30pm
Updated Events Calendar ■on Website
www.anewbf.com/calendar
witnesses to us; for after he had said before, “This is the covenant that I will make with them after those days, says the LORD: I will put My laws into their hearts, and in their minds I will write them,” then He adds, “Their lawless deeds I will remember no more.” Now where there is remission of these, there is no longer an offering for sin. Therefore, brethren, having boldness to enter the Holiest by the blood of Jesus, by a new and living way which He consecrated for us, through the veil, that is, His flesh, and having a High Priest over the house of God, let us draw near with a true heart in full assurance of faith, having our hearts sprinkled from an evil conscience and our bodies washed with pure water. Let us hold fast the confession of our hope without wavering, for he who promised is faithful. And let us consider one another in order to stir up love and good works, not forsaking the assembling of ourselves together, as is the manner of some, but exhorting one another, and so much the more as you see the Day approaching”’ (Heb. 10:11-25 ). Now because of Jesus’ finished work on the cross for our sins, we have hope.
Our hope is that we now have access to God. “Seeing then that we have a great High Priest who has passed through the heavens, Jesus the Son of God, let us hold fast our confession. For we do not have a High Priest who cannot sympathize with our weaknesses, but was in all points tempted as we are, yet without sin. Let us therefore come boldly to the throne of grace, that we may obtain mercy and find grace to help in time of need” (Heb. 4:14-16). And not only do we have access to God, but he has also blessed us by giving us His Holy Spirit to
Access to God cont.
August 2009 | CommunityNews24/7 Jesus 3
CommunityNews24/7 Jesus
A monthly newsletter of the Body of Christ Community
Editor: Sir RodeheaverDesign: SirGivot Design
Photography: Matthew Givot
Rick’sRally
StayConnectedAddress: 1526 E. Lincoln Ave
Orange, CA 92865Phone: 866-538-8221
Twitter: twitter.com/ANEWBFprayerFacebook: A New BeginningMeetup: www.meetup.com/
anewbeginningfinancial
June 2010
Fearfully Made
Rick Morgan
I am a miracle.More about that
in a moment. First, some background: I was asked barely a week ago if I wanted
to start writing this column for the newsletter, rather by surprise, because I’d had no idea that a newsletter was even being planned.
I suspect that there are a number of reasons why I was given this honor—and it is an honor—and I was more than happy to take on the challenge. I think that, secretly, the editors asked me because they know that I have a lot to say and that, if I wasn’t given an outlet, I’d explode. There could be some truth to that.
OK, so I was all poised for intros when I “happened” to see a short video over this last weekend called HOW GREAT IS OUR GOD. I’d had it for a few weeks; there it sat by our TV, not only unwatched, but still sealed.
Cue Divine Appointment.Louie Giglio, who conducts the Passion Talk
Series, of which HOW GREAT is one disc, took me on a journey from the far reaches of
the cosmos right down to the very core of my human
body.
Here’s the thing: The Cross of Jesus Christ bookends
everything in between. Giglio passionately showed me, in very graphic form, how tiny
this planet of ours really is within the cosmos. In the far reaches, the image of the cosmic Cross was taken by the Hubble Space Telescope, and is revealed across the nucleus of the spiral galaxy M51, 1100 light-years away from us. (Light travels at 186,000 miles per second. You can either do the math, or get a copy of HOW GREAT.)
Of course, scientific description doesn’t refer to it as The Cross, or even a cross but, rather, an “X”. A cross would run counter to the common scientific school of thought that the Universe couldn’t possibly have been created by the Eternal God. Put ‘em on the Prayer List.
No, I am vastly more awed to think that I’m looking up at the Cross of Christ from the vantage point of just under His left side. More humbling. More comforting.
Meanwhile, deep within my body. . .Ever heard of laminin? I hadn’t, either when,
last fall, a former co-worker told me about it. Put in the context of HOW GREAT IS OUR GOD, it’s nothing short of mind-blowing, and I’m left with the thought that I simply don’t know how people go to bed at night without a rock-solid belief in God and the salvation brought only by the death of Christ on the
Cross.Laminin is, very simply put, a protein
that, as Giglio describes it, is the rebar that holds the human body together. I’m not going to do laminin justice here; suffice to say that it involves DNA
and molecular structure. You can watch a part of Giglio’s sermon on laminin on
YouTube. All of this is open to interpretation, of
course; scientific and/or secular thought will explain it all away in a non-Creation way. Even Snopes weighs in. Once again, pride runs amuck.
We as Christians, of course, know The Truth. The bottom line is that, to quote Giglio, I am fearfully and wonderfully made. We are made with perfect order. And God will and does hold onto us in the palm of His Hand and will always, amid the pain and confusion, hold us together with His unfailing Love and get us through our temporary circumstances, giving us the strength to take one. . more. . step.
God does not abandon His miracles. I am a miracle. And so are you. •
“The Cross of Jesus Christ bookendseverything”
By that time, it was too late to recoup the past and the time lost. After my wife was forced by property management to leave our residence, i followed in attempt to save whatever was left of my marriage. Unfortunately, i was alone in that attempt, which left me homeless.
My wife moved in with her mother and i moved in with the trash. My new place of housing was behind a dumpster in an alley of a strip mall. in a new pursuit of happiness i started attending a local church.
Rinse CycleApril 2010. i was doing laundry at the local laundrymat with my last $2, when all of a sudden an old friend walked in. i was asking him about one of the local businesses and where they had moved to. i remember one of the guys there being in love with the Lord and sharing about it.
After findng their new location i was welcomed with a love that gave me hope again. the company had a shower and bunkbeds put in the back for people in my situation. they helped me get my i.D. and even lined me up with employment at a local deli. All the employees pitched in to get me a bus pass and even donated their clothing.
everyday i go there and read the word of god, get into Bible studies and do worship with all the employees. i have tasted His love and now i go out and share His love within the homeless community. My relationship with the Lord has grown tremendously and continues to grow daily.
Praise Report cont.
Continued on page 2
“The business is ministry”Volume 1 Number 1 June 2010CommunityNews
24/7 Jesus
Book ReviewMark Cahill’s One Thing You Can’t Do in Heaven. Page 2
Fearfully MadeRick touches on just How Great Our God Is. Pages 3
CalendarAttorney Q&A Session, answer any questions in regards to the program. Page 2
Access to GodThe Power of Prayer
Dave Hellman
Have you ever wondered what the point of prayer is? Is there really a God who loves you and hears your prayers or are
your prayers in vain? Here at A New Beginning Financial and Ministry we believe there is a God who cares and answers prayer. And because of that belief we aim for prayer to be at the core of all we do. In the remainder of this article, the hope is that your faith in Jesus will be strengthened, and that you will join us in crying out to Him.
So why do we pray? To answer this we first need to look back to how our ancestors communicated with God. The first man and woman, Adam and Eve, at one time had direct access to God in the Garden of Eden. Then they sinned by eating of “the tree of the knowledge of good and evil” (Gen. 2:17, 3:6) which brought about physical and spiritual death to all of humanity (Rom. 5:12). God gave hope by promising a future Messiah (Gen. 3:15), and provided “tunics of skin” (Gen. 3:21) which pointed ahead to the need of Jesus’ sacrifice for our sins. A downward spiral followed Adam and Eve’s sin with them being driven out of the garden (Gen. 3:24), Cain murdering Abel (Gen. 4), Lamech having
multiple wives, and killing a young man (Gen. 4). Then hope was given again by Seth’s birth, providing a Godly line for the Messiah to come through, and his son Enosh’s birth, in which “men began to call on the name of the LORD” (Gen. 4:26). This can be seen as the first Biblical revival.
Sin continued to devour people’s lives, with a Godly line being preserved, in which Jesus the Messiah came through. Up until Jesus’ death, burial, and resurrection, the high priest was the only one who could approach God
on our behalf once a year. Animal sacrifices were offered for people’s sins, which could never take them away, but only provided a temporary covering. And every priest stands ministering daily and offering repeatedly the same sacrifices, which can never take away sins. But this Man [Jesus], after He had offered one sacrifice for sins forever, sat down at the right hand of God, form that time waiting till His enemies are made his footstool. For by one offering He has perfected forever those who are being sanctified. But the Holy Spirit also
Praise Report
“For where two or three have gathered together in My name, I am there in their midst.”
PHo
to: M
AttH
ew g
ivo
t PH
oto
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The Neverending Pursuit2009... the new year rolled in and i was venturing into business for myself. i had opened my own painting company; painting houses, offices, city walls, etc (if it could be painted, i could paint it). i already had many clients and was still building clientele.
i always had drug habit, but it wasn’t a problem - until i let my drug dealer rent a room from me. Her currency for rent was drugs. By mid 2009 it had all gone downhill - my wife and i were fighting for our shares of the drugs, which eventually led to manipulation and chaos.
My focus was no longer providing for my wife and i, but an all out pursuit for the next high. the pursuit tore apart our love and friendships with close friends, including our dealer. My wife started stealing anything she could to get the drugs.
Welcome Home-lessin the beginning months of 2010, i had decided get sober and kicked out my dealer, which caused major issues with my wife and i. My wife was so involved with her new love (the drugs) that we were on the verge of splitting.
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Logos.
cafe
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Photography.
The graffiti was added in post.
This was a menu image used by Plaza 1forty9 Cafe.
The “RISE AND STAND” was added in post.
The “RISE AND STAND” was added in post.
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Miscellaneous.
69.5%
11.6%
5.3%
0.4%
0.9%
11.2%
1.1%
66.2%
8.0%
4.7%
3.0%
16.4%
1.7%
66.7%
0.1%
9.8%
5.7%
1.6%
14.1%
1.5%0.4%
71.3%
11.1%
4.8%
1.3%
8.7%
2.8%
65.2%
12.7%
2.3%
1.7%
14.8%
3.4%
76.6%
4.8%
7.1%
11.5%
100%
90%
80%
70%
60%
50%
40%
30%
20%
10%
0%
2012-6
2012-5
2012-10
2012-9
2012-8
2012-7
74.8%
13.1%
12.1%
70.9%
9.7%
19.4%
72.5%
11.8%
15.7%
76.1%
13.9%
10%
67.3%
16.2%
16.5%
83.7%
4.8%
11.5%
100%
90%
80%
70%
60%
50%
40%
30%
20%
10%
0%
2012-6
2012-5
2012-10
2012-9
2012-8
2012-7
productmigration
C O N F O R M I N G
F H A
VA
13
TONIFARROW
CHIEF ADMINISTRATIVEOFFICER
KEVINGILLESPIE
CHIEF CREDIT OFFICER
EIRANNMITTELSTEADT
VICE PRESIDENT,SECONDARY MARKETING
JEFFLISINICCHIA
CHIEF FINANCIALOFFICER
ANDYPOLLOCKCHIEF EXECUTIVE
OFFICER
RJARNETT
EXECUTIVE VICE PRES.,WHOLESALE LENDING
GRAHAMFLEMING
PRESIDENT,ADMINISTRATION
SUEANTHONY
SENIOR VICE PRESIDENT,SERVICE MANAGEMENT
= NEW ADDITION
companycore chart
andrew pollock currently serves as CEO of ICON Residential. Prior to his current position, Mr. Pollock served as President and Chief Administrative Officer of First Cal.
graham fleming currently serves as President of ICON Residential. Mr. Fleming previously served as the COO of Finance America.
susan anthony currently serves as Senior Vice President of Service Management at ICON Residential. Prior to her current position, Mrs. Anthony served as a Director at Global Logic Advisors.
rj arnett currently serves as EVP of Wholesale Lending of ICON Residential. Mr. Arnett previously served as the EVP of CS Financial.
eirann mittelsteadt currently serves as VP Secondary Marketing of ICON Residential. Prior to her current position, Eirann served as Transaction Manager of BNC Mortgage, subsidiary of Lehman Brothers Bank, FSB.
kevin gillespie currently serves as Chief Credit Officer of Icon Residential. Prior to his current position Mr. Gillespie served as VP Corporate Credit for Impac Companies for 11 years.
toni farrow SPHR, currently serves as the Chief Administrative Officer of Icon Residential. Prior to holding this position, she was SVP and Managing Director of HR and Organizational Development at Fortune 500 companies and consulted globally.
jeffrey lisinicchia currently serves as the CFO of ICON. Prior to his current position Mr. Lisinicchia served as CFO for Peak Corporate Network and Greenlight Financial Services.
6
building blocks to achieve financial growth
C O N F I D E N T I A L
companyoverview
Credit RiskFRAUD PREVENTION / PRE-FUNDING SUMMARY
• Verbal verification of employment is completed at loan approval and again at the time of funding.• MERS reports are reviewed (within CoreLogic LoanSafe report) at underwriting and prior to closing for
detection of any undisclosed real estate.• CoreLogic LoanSafe reports run on every loan approval to assess collateral information and borrower
information that would indicate any type of red flag. Underwriters review each loan to ensure that anynoted ref flags are address.
• Review appraisal are ordered at the discretion of the underwriter based on quality of appraisal andinformation in the LoanSafe report.
• 4506-T’s are processed on all transactions that contain income documentation.• Lexis Nexis reports are available to the underwriting department when any non-arm’s length issue or red
flag discovered through the underwriting process.• Underwriters complete extensive web research on the existence of businesses, licensing, etc.• Exclusionary Lists – Internal, Investors and Governmental (CAIVERS, GSA, LDP, and System for
Award Management) checked on all loans.• OFAC reports are run at the time of a new loan setup.• Bridger Insite reports are run on all loans immediately prior to the wiring of funds.• All regulatory & state high-cost test are completed at loan setup & again prior to document preparation.
Credit RiskLOAN PROCESS SNAP-SHOT
• All loans are required to meet regulatory and state compliance requirements• Each loan must receive a DU Approve/Eligible• LOS overlays in place • Exceptions submitted to Chief Credit Officer for evaluation and approval or decline
Broker submissionAU Approved,
Decline or further review
Exception Processing with Chief Credit
Officer
Docs Drawn and Funded
Post Close Audit Performed
ComplianceRegulatory and State
High-Cost test
Loan Setup
Retail Sales Strategy
This highly confidential material is the sole property of Grand Bank, NA. Use of this material must be approved by GrandBank, NA. Any unauthorized use or reproduction of this material may result in legal action and strict penalties.
Updated: February 2013
2301 Campus Drive, Suite 100, Irvine CA 92612 888.202.0878 P www.iconwholesale.com
d e pA r t M e n t o v e r v i e W
Continuous Wholesale Channel & Corp Efficiencies• Implement process improvement methods by identifying
methodologies which focus on reengineering and best practice throughout the organization
• Provide online mortgage pipeline management - “Universal Production View”
• Establish Icon Residential “Data Mart” as central repository allowing the organization to easily access information
• Increase internal and external communications through various channels to ensure information is delivered to appropriate parties in a timely manner
Executing on Business Objectives• Develop measurement techniques to provide means
for executing on business decisions • Demonstrate excellence in project prioritization and
project management• Follow strict adherence to loan delivery, loan quality
and compliance / regulatory risk targets• Leverage affiliate company resources• Initiate policies that focus on adherence to compliance
with Federal and State Consumer Protection Regulations
Fiscal Responsibility & Precise Profit Management• Improve quality of service and reduce cost / leverage
third-party vendors• Identify opportunities / solutions to lower costs and
generate revenues• Communicate on Icon Residential product mix “strike
zone” and pricing needs• Maximize loan sale execution through pipeline
management and a combination of GSE delivery and mortgage conduits, Correspondents, REITs and Credit Enhancements
• Eliminate counterparty risk through the origination of perfected loans
Expand Origination Channels & Client Opportunities• Outline Retail strategy and business plan• Isolate Realtor business opportunities & working
relationships• Evaluate and assess potential business joint ventures
and opportunities• Develop Correspondent origination channel venture
Wholesale Expansion• Target geographic expansions that are aligned with
forecasted property value stabilization• Outline and deliver sales training and excellence
program that aligns with the product “strike zone” and Client targets
• Improve Client profiling and territory management• Develop and deliver corporate supported product
training
Client Experience• Establish Wholesale Client capabilities with outlined
connectivity plans• Develop Client satisfaction measurement programs• Deliver simplified product guidelines
Wholesale Focus & Delivery• Isolate and target key / valued Clients• Utilize focus groups / committees to acquire feedback
on various products, services, and corporate initiatives• Establish Wholesale brand and competitive advantage• Deliver “laser focused” value proposition and execute
flawlessly
Business Development: Product & Process Innovation• Continue to develop products unique to the industry -
Isolate purchase transaction opportunities• Implement rapid prototype deployment of new
products• Evaluate innovative opportunities that are unique to
Icon Residential• Develop process for prioritizing that meets
predetermined credit packaging requirements• Deploy LOS - Mortgage Cadence in an accurate and
timely manner
Organizational Development• Hiring right from the start - evaluate, recruit, retain and
promote the best professionals in the industry• Provide training and certification programs in
leadership, corporate / sales management and operations functions
• Develop and implement process to ensure ongoing alignment of compensation plans with company strategies
2301 Campus Drive, Suite 100, Irvine CA 92612 888.202.0878 P www.iconwholesale.com
o r G A n i Z At i o n c h A r t
RHETTHUBBARD
SOUTHWESTASM
ASMTBD
ASM
SEANFINNMIDWEST
ASM
JAMESMATARAZZO
SOUTHEASTASMJULIE
ENGELNORTHWEST
ASM
ASMTBD
ASM
RSM EASTTBD
MANAGER,EASTERN REGION
RSM WESTTBD
MANAGER,WESTERN REGION
RJARNETT
EXECUTIVE VICE PRES.,NATIONAL PRODUCTION
LOCKDESK TBD
MANAGER
CRAIGPARK
COMPLIANCE
CHARLESDILLMANCHEIF APPRAISER
LONNASMITHPRODUCT
ADMINISTRATION
JUDYMCFARLAND
INTERNAL AUDIT
CHRISTINAMACDONELL
TREASURY
ELISAALLEN
DIRECTOR, L&D
KIMKUTAS
SUPERVISOR,PAYROLL
JADECASTELLANOS
RECRUITING
SHIRINSHARIFIMINOO
ACCOUNTING,SERVICING,ANALYSIS
DONDANIELSACCOUNTING,
FINANCES
SIRRODEHEAVERMARKETING & BUSINESS
DEVELOPMENT
JEFFLISINICCHIA
CHIEF FINANCIALOFFICER
EIRANNMITTELSTEADT
VICE PRESIDENT,SECONDARY MARKETING
KEVINGILLESPIE
CHIEF CREDIT OFFICER
TONIFARROW
CHIEF ADMINISTRATIVEOFFICER
GRAHAMFLEMING
PRESIDENT, ADMIN.
JEANNESTAFFORD
SUPERVISOR,POST CLOSING
MARYROSE
QUALITY CONTROL
ADMINISTRATION
OPER
ATIO
NS
PRODUCTION
INFO. TECH.
KARENGENNEKENCHIEF OPERATIONS
OFFICER
SVC MGRTBD
MANAGER
JASONDITOMMASO
MANAGER,HELP DESK
SUEANTHONY
SENIOR VP,SERVICE MANAGEMENT
ANDYPOLLOCK
CEO
EXECUTIVE TEAM
SENIOR MANAGEMENT TEAM
MANAGEMENT TEAM
LYNNEKIELTYMANAGER,
OPERATIONS
LIZBRANDON
MANAGER,LOAN SETUP
CHRISMERRITT
MANAGER,INFRASTRUCTURE/FACILITIES
CRAIGPARKMANAGER,
COMPLIANCE
2301 Campus Drive, Suite 100, Irvine CA 92612 888.202.0878 P www.iconwholesale.com
L . A N D R E W P O L L O C Kc h i e f e x e c u t i v e o f f i c e r
r e S u M e
Executive ProfileStrategically astute executive with over 25 years of successful financial services experience. Noted for consistently outstanding contributions as a senior member of the corporate management team, including areas such as revenue growth, profitability, risk management, infrastructure and process improvement, and high-performance team leadership. Frequently develop and execute initiatives that strengthen competitive positioning and customer relationship management under challenging industry conditions.
Key Technical / Business Skills
Professional Experience2012 - PresentIcon Residential Lenders, A Division of Carnegie Mortgage, LLC, Irvine CAChief Executive OfficerAs the Chief Executive Officer of ICON Residential Lenders, the responsibilities cover the full spectrum of a wholesale mortgage banking firm. Priorities are focused on the organic growth of the sales force in targeted geographic localities. Taking the necessary steps to ensure a campaign of fiscal responsibility, and that the levers of profitability are maximized. Confirm all related compliance requirements with all Bank and Investor covenants. Build out an executive team and establish proven management disciplines. Outlined a 2013 strategy and business plan that will improve performance over the previous year. Ensure that the sales force and operational management are focused on the priorities that will drive a compelling competitive advantage. Priorities for 2013 are as follows:• Galvanize the wholesale Account Executive sales force.• Build improved momentum within the mortgage pipeline.• Alleviate any origination fulfillment backlogs.• Complete the installation of Mortgage Cadence.• Rollout a performance management program for the workforce.
2011-2012First California Mortgage Corporation, Petaluma CAPresident & Chief Administrative OfficerAssumed the senior executive capacity of a financially mismanaged mortgage banking firm that was dramatically unprofitable. Post execution of a turnaround plan, achieved profitability within 60 days as the President & CAO. Confirmed
• Mortgage Originations• Asset Quality / Loss Mitigation• Secondary Marketing• Change Management• Portfolio Management
• Operations Management• Program / Project Management• New Product Introduction• Operational Governance• Loan Servicing Administration
• Regulatory Risk Management• Mergers & Acquisitions• Process Improvement• Financial / Budget Management• Strategy / Corporate Planning
D. Minimum submission time frame requirement
1. Accounts must submit a loan every 90 days or it may be moved by the ASM. If the account in question is from another ASM’s region the
account goes back to that region.
2. Once an account is moved from the field to inside sales they have 60 days to submit loans or the file will be inactivated.
3. Any account not submitting a loan during a 6 month time frame will be deactivated.
4. Once an account is inactivated it belongs to the ASM’s in which the broker resides.
E. Tampering with Accounts
1. Tampering with accounts will not be tolerated.
2. Solicitation of a letter from the broker will not be taken into consideration on account alignment.
3. Tampering with an account is grounds for disciplinary action, up to and including, termination.
***ASM to set minimum standards (units, volume, customers) as per their region goals.
Sales and Accounts Rules of Engagement
A. Broker Management/Approval Process
1. All brokers must have a broker profile completed by the Account Executive and reviewed with their ASM prior to sending a broker appli-
cation to the broker to ensure they are the correct target customer for Icon.
2. Number of approved brokers per AE will be the ASM’s discretion, a managable level to be a maximum of 100 for Outside and Inside AE’s.
3. Minimum broker activity / participation (submissions and/or fundings) is 25% of AE’s approved broker list. Failure to hit that number may
result in the loss of brokers for that AE and exceeding the 25% may result in the awarding of additional approved brokers.
4. ASM may remove a broker from an AE if there is no submissions and/or fundings within the last 90 days.
B. Region of Ownership
1. ASM’s have designated territories and can only solicit brokers within their assigned territories. If an AE wants to sign up an broker rela-
tionship outside of their ASM’s region, they must obtain approval from their ASM as well as the ASM whose territory the broker resides.
2. ASM’s have full authority to manage the brokers within their region and disseminate the approved brokers to the AE’s on his or her team
as they deem necessary.
C. Inside Sales
1. Inside Sales may solicit inactive or unapproved brokers within their ASM’s respective region. A Broker Profile must be completed and
approved by their ASM prior to sending a broker application to the respective broker.
2. A broker profile must be completed and reviewed by the ASM prior to sending a broker application to any broker to determine if the broker
is the right fit for Icon.
Sales and Accounts Rules of Engagement
Sales and Accounts Rules of Engagement
These labels were for paint cans that were filled with candy and delivered to our brokers personally.
These two pieces were displayed on a mobile billboard truck.
Say goodbye to the shake, rattle and roll of your hitch and hello to the quiet solution for hitch noise! Introducing Tow Tamer’s Tow Hitch Silencer
-- this patent pending design and secured bolt device eliminates annoying rattle that’s all too common to towing. The Tow Hitch Silencer
curbs those annoying clanking and clattering sounds you hear while hauling your boat, trailer, PWC, or RV Toy Hauler and minimizes abrupt
movement on your drive train.
4 Rating 10,000 / 1,000 lbs.Not intended for trailers over 10,000 lbs gross weight
PROUDLY MADE IN THE U.S.A.
Venture Pacific Tools, Inc. Represented by Danlin & Associates, LLC. A California Company.1 24002 74134 8
A PRODUCT OF
TOW
TOW HITCHTOW HITCHTOW HITCHSILENCERSILENCER
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THE
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THE
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HUSH THAT HITCH!HUSH THAT HITCH!
PROUDLY MADEIN THE U.S.A.
HUSH THAT HITCH!HUSH THAT HITCH!
HUSH THAT HITCH!HUSH THAT HITCH!
KILL THE NOISE!KILL THE NOISE!
TOW HITCHTOW HITCHTOW HITCH
TOWA PRODUCT OF
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The above piece is the original artwork. After my client met with their client, Pep Boys Auto Parts, the final artwork below was decided on.
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Rods, Rides & Racers
CRUZIN4WISHES.NET
SIGN UP NOW!EVENT DATE: OCT 18, 2008
Show open to all: Bikes, Show Cars, Exotics, Street Rods, Trucks, Muscle Cars and ClassicsBenefiting Habitat for Humanity of OC Homes for Heroes and Foundations for Families
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