Bryan D. Smith
1523 E Clement St
Baltimore, MD 21230
Mobile: 410-382-5737
OBJECTIVE ABILITIES
Recognized manager with outstanding multi-tasked skills and unwavering leadership.
Highly skilled in written and verbal communication.
Strong interpersonal and interdepartmental communications.
Analytical, extremely organized and creative.
Proficient in Microsoft Office (including Word, Excel, and PowerPoint), Microsoft Outlook, Microsoft Access, Microsoft Works, People Soft, and internet applications.
Partially fluent in conversational Spanish. Can read and write Spanish with moderate proficiency.
HIGHLIGHTS OF QUALIFCATIONS
Self motivated, able to motivate others and confident in making independent
decisions.
Personable and persuasive in communicating creatively with hundreds of customers
from many cultures and economic levels.
Projected oriented, successful in learning and comprehending new systems and
methods.
WORK EXPERIENCE
Self Employed
Personal Real Estate Development/Wholesale Real Estate Investor, Baltimore, Md.
February 2007 - Present
Identify real estate development profitability, with consideration of varying market conditions as well as potential of property to produce profit due to value before and after rehabilitation. Negotiate and close Real Estate agreements seeking a win-win outcome for all parties involved. Prepare and present offers with strong negotiation and thorough evaluation. Knowledge and ability to perform project budgeting using Quick Books to track budget performance and maintenance/alterations. Before taking on a project, budget formulation, cost estimates, and work activities associated with the project are evaluated to insure a project has the potential in theory and on paper to produce a desired profit. Prepare and then review budget estimates throughout the project. Modifications are made to the budget using accounting principles and practices. As the project takes its course the budget is also evaluated to insure it is on par with initial budget forecast. Set and achieve goals both personally and market oriented. Evaluating bids from contractors and restructuring their proposals to meet budget and overall project goals. Network building relationships with ongoing business partners. Excellent project management skills with strong demonstrated ability to manage/schedule multiple tasked contracting projects simultaneously and effectively.
Great Oak Lending Partners, Timonium, MD
Branch Owner/Operator
October 2005 - February 2008
I owned, opened, and operated a Net Branch of Great Oak Lending Partners. Developed the Net Branch of the company. Rented office space and trained loan officers and operations division. Built a professional team of high performing loan officers and processors. Interviewed candidates for positions taking into account their abilities in relation to increasing the efficiency of my firm. I am strong leader and one who takes initiative, is dedicated, and wants everyone to succeed. Accountable for management controls, management improvement, organizational methods and procedures. Structured incentive based payroll structure, which in turn considerably improved employee productivity and work dedication. Evaluated and made administrative alterations while taking into consideration work measurement, work flow, and documentation and control procedures. I constantly remained on guard with any business on administrative choices anticipating the unknown and always producing a back-up plan. Networked and established intense marketing strategy and provided my entire office with successful leads. Shared knowledge obtained ensured all employees could benefit and grow. Oversaw loans from application to post closing. Packaged closed loans to properly meet reps and warranties for lender audits. Prepared cost-benefit, mathematical, and statistical analysis to help form budget, follow budget, maximize revenue, and ultimately to conduct budget, economic, and cost studies/analyses. Managed branch under advisement of corporate office with consideration of budget cycle, fiscal policy. Guided branch by use of corporate financial management, theory, and techniques. Prepared payroll records and work reports for employees. Tracked inventory and supply data using Quick Books software.
Great Oak Lending Partners, Timonium, MD
Loan Officer
June 2004 October 2005
Provided exceptional world class customer service. Continually gave prompt and courteous customer relations. Accurately evaluated financial history, and current situation of applicants. Structured mortgage loans, and quoted programs, terms, and closing costs. Obtained proper documentation through thorough communication with prospective borrowers. Locked loans, and reviewed final fee sheets, rates, closing costs, prepaids, and escrows. Developed extensive knowledge of systems design and operating systems software, such a Calyx Point, where loan progress was tracked and noted extensively to insure all parties involved in the loan closing were equally educated.
Great Oak Lending Partners, Timonium, MD
Intern for Managing Partner
February 2004 - June 2004
Prepared a financial analysis for all loan closing for Great Oak Lending Partners 2003-2004 business years. Performed analytical surveys, reviews and audits while conveying results to tables and graphs for further examination. Such factors measured, but not limited to, average fees collected per loan, amount of average loan, gross profit per state licensed, and average fee per type of loan (Conventional, FHA, VA, Etc.). Results were used by managing partner to make appropriate changes to current practices, loan procedures, loan processing system, marketing methods and overall business structure. Assisted managing partner in renewal of licensing for upcoming year by contacting all state licensing authorities to obtain all requirements/documentation required for mortgage license renewal.
EDUCATION
Towson University, Towson, MD.
Bachelors Degree May, 2004
Major Bachelor of Science - Economics
GPA: 3.0 out of 4.0
Relevant Coursework: 30 total credit hours
Microeconomics
Macroeconomics
Statistics for Business and Economics
Macroeconomic Principles
Urban Economics
Money and Banking
Macroeconomic Theory
Intermediate Price Theory
Public Finance
Internship in Economics
Member of Towson University Economics Club 2000-2004
Towson University, Towson, MD.
Bachelors Degree May, 2004
Major Political Science
GPA: 3.0 out of 4.0
Relevant Coursework: 27 total credit hours
State and Local Government
Ethnic Conflict/Management
International Relations
American National Government
Governments of the West World
US/Russian Relations
Comparative Political Systems
Latin American Politics and Film
Public Administration
REFERENCES
Pamela Taylor
RTGX
443-367-0058
Personal
Patrice Stewart
Division Director/ SSA, DCS, OEEAS, DEDA
410-654-6859
Personal
Paula Toskes
IT Specialist, ISP
410-840-1906
Personal
Joshua Shein
Managing Partner, Great Oak Lending Partners
443-901-1777 ext 1002
Professional
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