JOAN M.

MCGILLIVRAY
Elmhurst, IL 60126 joanmarie.mcgillivray@gmail.com Residence: 630-279-5253 Cell: 708-308-3790 FINANCIAL TRAINING DEVELOPMENT MANAGER Self-disciplined financial consultant, sales person & developer: Extensive sales consulting, training, products, compliance, development & management experience built in mortgage lending, professional development & investment markets. Trouble shooter, problem solver, out-of-the-box thinker: Expertise resolving complex business issues & developing solutions that benefit clients & build company revenues. Corporate training, business development & products development based upon presentation, guidelines, products, financial markets & sales experience. Clients added by B-2-B / individual sales; repeat & referred business; cold calls; seminars; networks & direct marketing. Open to new opportunities in the business markets and travel. Accounts Management Analysis Auditing Brokering Business Development Cash Flow Analysis Communications Cost | ROI Benefits Analysis Financial Training | Course Development Customer Service Income Analysis | Financial Reporting Investments | Best Practices, Markets, Products, Sales Marketing Mortgage Lending | Best Practices, Compliance, Products, Sales Needs Assessments | Pricing Negotiations Planning Research Presentations | Seminars Relationship Building Teams Recruiting - Direction Troubleshoot | Consulting |Turnarounds Project | Product Concept, Design, Development, Management Risk Analysis | Credit, Capacity, Condition, Character Sales | B2B, Individuals, Launches Writing - Editing ____________________________________________________________________________________________________
STATE OF ILLINOIS MLO LICENSE RENEWAL CURRENT. CE DONE. CAREER PROGRAMS VOLUNTEER. NAPERVILLE, IL COMMUNITY CAREER CENTER FOUNDER. FINANCIAL TRAINING DEVELOPMENT MANAGER. LEADERS IN FINANCIAL TRAINING DEVELOPMENT MANAGEMENT IN CHICAGO, IL. 2011 2011 2011

GUARANTEED RATE, INC.

Privately-held direct mortgage lender with a national client base.

20082011

MORTGAGE CONSULTANT. PRE-PURCHASE SPECIALIST. [CHICAGO, IL. 2009 2011] Focus: Achieve investors purchase of banks funded loans while licensed as mortgage consultant. Creative use of sales originators experience to consistently exceed loan purchases by investor banks, FANNIE or FREDDIE. Resolved pre-purchase conditions through use of lending guidelines, products knowledge, or interaction with in-house persons, investors and third party firms. Insured FHA & VA loans after compliance checks and participated in resolving open FHA and VA audit issues as needed. [Bank layoffs due to reduced bank loan volume in first quarter of 2011.] ACHIEVEMENTS: Consistent monthly bonuses for exceeding investors funded loans purchase quotas by 120% or better. Maintained active originator license and earned NMLS ID in 2010, passing the NMLS S.A.F.E. exams. MORTGAGE CONSULTANT [SCHAUMBURG, IL-Direct Division. 2008 2009] Focus: Qualified prospects; sold & closed multi-state residential & investment properties loans by pricing out loan alternatives on investor banks FHA, CONV, JUMBO or ALT A trading desks. Designed & presented loan alternatives. Client base built through corporate leads, repeat & referred customers, networking.
[Assume corporate career opportunity to fulfill additional family responsibilities.]

ACHIEVEMENTS: Structured individual loans from $50,000 to $1 million plus for residential, secondary & investment properties. Designed & presented loan alternatives based upon client suitability, credit and collateral. W2 for highest earnings year with Guaranteed Rate furnished at interview.

RESIDENTIAL PLUS MORTGAGE, INC.

DES PLAINES, IL.

2006-2008

Privately-held residential mortgage broker licensed in Illinois and Indiana. MORTGAGE SPECIALIST Qualified borrowers and originated residential loans for sub-prime mortgage broker. Priced & brokered residential/investment properties loans through investor banks sub-prime, FHA or Alt A desks. Client book built from previous contacts, referrals, company leads, outside sales and monthly mortgage newsletter. Managed accounts from initial contact to final funding. Underwriting or post-closing issues met through interaction with investors, third parties, and clients. ACHIEVEMENTS: Structured individual loans from $40,000 to $600,000 for residential, secondary and investment properties. Brokered loans to national lenders while negotiating rates and yield spreads. W2 for highest earnings year with Residential Plus furnished at interview.

FIDELITY MORTGAGE, INC.

DES PLAINES, IL. Direct sub-prime residential mortgage lender with multi-state client base. 20032006

SENIOR MORTGAGE ANALYST Promote, qualify and sell sub-prime loan programs as the senior loan officer for a direct sub-prime lender. Addressed client suitability, credit, goals, and overall financial picture. Designed and presented loan alternatives to a multi-state client-base through company leads, repeat and referral business, and B-2-B development. Mentored new loan officers as to presentations, products, and sales closes. Participated in lenders sales rollouts in newly approved states. [Lender closed.] ACHIEVEMENTS: Promoted to Senior Mortgage Analyst within first three months of hire by hitting $75,000 in sales fees. Awarded Fidelity Mortgages Governors Sales Award. Regularly earned monthly production awards for loans funded (Gold over $1 million; Silver over $750,000) & monthly production platforms starting at $25,000 and exceeding $40,000. W2 for highest earnings year with Fidelity Mortgage furnished at interview.

KMA SECURITIES & INS. TRAINING CONSULTANTS, INC.

COLORADO / ILLINOIS A start-up business offering NASD professional development and training services 19992003

BUSINESS OWNER. DEVELOPER. INSTRUCTOR. Business development achieved through B-2-B sales to financial services groups and corporate training firms. Negotiated contracts for services and pricing. Designed classroom curriculum and conducted on-site training classes. Questions and training manuals written for computer, classroom, and self-study. Outsourced services to develop or co-write NASD licensing materials and computer-based CE courses. ACHIEVEMENTS: Designed national publishers on-line Series 7 CE course series; 2 courses written & published. Designed and wrote proprietary securities licensing content, test questions, and continuing education for off-site use. Achieved a 90% average pass rate on securities exams for participants in instructor-led classes.

DEARBORN FINANCIAL PUBLISHING. INC.

CHICAGO, IL

1993-1998

Financial publisher and instruction provider for financial licenses. EDITOR. INSTRUCTOR. TRAINING CONSULTANT. Provided individualized consulting on NASD licensing for broker/dealers principals and sales representatives. Furnished strategies to improve pass rates of broker/dealers 2500 licensing candidates over 3-year period. Conducted representative-level licensing and CE classes while stand-in instructor for management level classes. Selected and led writing teams; established production deadlines; signed off on new editions technical accuracy as acting products / technical editor for 5 product lines. Collaborated also on writing NASD licensing and continuing education new course editions in text, classroom, and on-line format. ACHIEVEMENTS: Commended by national regulators for development input on new investment advisory program. Accepted into and completed University of Chicago's Publishing Program. 1995. NASD securities & futures investment licenses held and used from 1981-1995. 91% pass rate average on securities exams for tutored and instructor-led classes.

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GOVERNORS STATE UNIVERSITY, BOARD OF GOVERNORS PROGRAM.

UNIVERSITY PARK, IL. 1991-1992 Bachelors of Liberal Arts with a Business emphasis completed with honors. Attended state university geared to the adult audience. Qualified for accelerated program & completed final two years within one year.

Reduced time window by 50% to complete B.A. Degree to maintain active securities licenses. Accounting, Statistics, Business
Law, Economics, Marketing, and Business Principles were curriculum focus.

CALAMOS ASSET MANAGEMENT, INC.

NAPERVILLE, IL.

19891991

Privately-held asset management and mutual fund group.

REGISTERED SECURITIES PERSON

Introduced and sold new line of convertibles mutual funds (2 funds) and new 401K pension program to mid-size companies and individual investors. Product mix presented to regional broker/dealers sales force for client consideration. Clients qualified based on needs, risk tolerance levels, & financial condition. Outside sales emphasized seminars, B2B sales, and cold calling. ACHIEVEMENTS: Re-sold former funds clients and brought in $3 million within 6 months for 2 convertibles mutual funds. Increased market exposure by signing up and working with area brokerages & businesses. *CAREER NOTE: REGISTERED FUTURES & SECURITIES PERSON
KANSAS CITY, MO & CHICAGO, IL BROKER-DEALERS.

1981-1989

EDUCATION LICENSING
University of Chicago, Graham School. Publishing Program. 1995. Board of Governors Program, Bachelor of Liberal Arts, Business. Governors State University, University Park, IL. University of Illinois-Champaign. Liberal Arts Program, Major: Literature. Active Illinois Loan Originator License since 2003-renewed annually. NMLS ID since 2010. Colorado Life & Health Insurance Licenses. 2000-2001. NASD Series 3, 7 & 63 Futures & Securities Licenses. 1981-1995.