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Michael D. Chaney190 Scottfield Dr.Newark, DE. 19713Phone: (home) 302.724.4856 (cell) 302.981.7346Email: sonicstream@gmail.com

PROFESSIONAL EXPERIENCE AND ACHIEVEMENTS

2009-present Synergy Direct Mortgage, Christiana, DEMortgage Loan Officer Utilize interpersonal and communication skills to generate referral business, leads, and relationships withindividuals. Effectively sell, package, and close consumer mortgages.

 Take thorough and complete loan applications; analyze and prequalify applicant information to determineclient's best interest loan program.Analyze credit and compare for accuracy with the mortgage borrower's statements.Correct inaccuracies and determine the correct loan options for the borrower based upon the applicant'spresent situation, future plans, and preferred loan product.Provide guidance and information relevant to the risks and benefits of each program the applicant isqualified for. Explain and communicate the terms of each product and ensure the borrower signs alldocuments necessary.Gather all initial documentation required based upon the applicant's selected loan program and the 1003including all disclosure requirements.Provide the loan package to the loan processor for review, stacking, and pre-submission audit.Coordinate with the loan processor to provide any letters of explanation, or additional documentation asnecessary and required by underwriting to clear all conditions and close each loan.Maintain a working file for the office as required for compliance.

2007-2009 Greenhome Remodeling Christiana, DEBusiness Development Coordinator Proactively self generated leads through cold calling, networking, community involvement and clientreferrals.Closed 58% of client appointments and exceeded company benchmarks every month.Assessed client needs to provide appropriate solutions for home improvement projects.Clients advocate before, during, and after installation process.

Ensured project schedules were met and client expectations were exceeded.

2005-2007 SSD, Inc. Technology Partners, New Castle, DEBusiness Development Manager Increased client contract revenue over 200% and improved overall gross margins by nearly 50%.Consistently exceeded company benchmarks for revenue generation and new client maintenancecontracts.Implemented strategies to improve client satisfaction and retention.Instituted sales reporting and trend analysis.Initiated client referral loyalty programs.

2000-2005 HyTek Wireless Newark, DESales and Marketing Manager Improved store sales by more than 75% and profitability by 165%.

 Trained and managed four sales representatives.Provided sales trend reporting and analysis.Initiated direct mail campaigns.Developed, implemented, and measured the success of all advertising programs.

1996-2000 CoreStates Wilmington, DENew Account Activation Manager Developed a new account activation strategy that increased

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