Josh Harmatz

Professional Accomplishments and Experience

Achievements:

• Expanded company from 8 employees to over 100 employees
• Developed proprietary industry leading loan origination software
• Improved sales from 4 million per month to 40 million

Responsibilities:

• Oversee operations and Sales to ensure speed, quality, and compliance
• Develop and maintain vendor relationships for various business functions
• Hire, train, supervise processing and corporate staff

Money-Rates.com

Novermber 2009- Current

• Featured Mortgage Columnist
• Write Mortgage Related content for online websites such as Money-Rates.com

Advantage One Mortgage, Sacramento, CA

March 2006- September 2007

Regional Manager

Achievements:

• Branch sales record holder (17.5 million in gross sales)
• Successfully developed and implemented credit repair program
• #1 in employee retention; extremely low turnover

Responsibilities:

• Manage daily operations of mortgage office
• Recruit and hire loan processors and sales agents
• Underwrite loans for quality and profitability
• Train employee’s on effective sales techniques for success during down turn in market
• Develop and maintain vendor relationships relating to selling and processing mortgages

Achievements:

• Increased area’s production 152% (52mil to 82mil)
• Promoted 12 Branch Manager from within (the most in any area)
• Top Area Manager in the region 8 out of 14 months

Responsibilities:

• Managed, hired, promoted, and trained branch managers for northern California area (8 offices, over 100 employee’s)
• Trained managers on effective interview and sales management techniques in a rapidly changing environment, and motivated my sales teams
• Visited branches on a daily basis to increase productivity and ensure quality
• Corporate Trainer: Spent one week every month training approximately  80 new company employee’s on placing mortgages, effective sales techniques and Ameriquest policies and procedures
• Responsible for 50million to 80million dollars of business monthly

• Company record holder for branch monthly sales in volume (32 Million) revenue (1.5 Million) and units (232 Loans)
• Awarded branch manager of the year (out of over 340 Offices)
• Youngest branch manager in the company

Responsibilities:

• Managed, hired, and trained, loan officers and processors to originate and close real estate loans
• Reviewed every loan for accuracy, quality, and benefit for both the customer and the company
• Responsible for gross revenues of over one million dollars on a monthly basis

• Increased branch individual sales record from 4 loans to 15 loans closed in a month
• #1 Salesperson in company (out of 3500 Salespeople)- 2003
• Area and Region revenue record holder for sales in a month ($156,000 in revenue)

Responsibilities:

• Originated and closed mortgage loans
• Qualified customers for best loan program to match their needs
• Collected necessary documents for transaction
• Sold benefits of Ameriquest Mortgage over the phone and face to face to secure business

Achievements:

• Tripled the production staff on my team from one to three due to new accounts I closed

Responsibilities:

• Sold recruitment advertising services business to business
• Cold called hiring managers to set appointments for a face to face sale
• Negotiated prices for our service contracts
• Coordinated production and ensured customer satisfaction of weekly advertisements

• Masters in Business Administration
  • Summa Cum Laude- 3.9 GPA
  • Winner – Masters Final Project Competition
  • Voted: “Most Likely to be CEO of Fortune 500 Company”
  • Graduate in Business Management
    • Graduated with Honors
    • Graduation Commencement Speaker
    • President- Sigma Chi Fraternity
    • Co-Captain of the Debate Team
      • Winner of Butte College Open
      • Earned Invitation to Mardi Gras Open in New Orleans