David A.

Silver
2102 Haviland Dr.
Henrico, Va. 23229
dsdde016@westpost.net
Home (804) 968-7097
Cell (804) 314-6050
Core Competencies
a 35 years experienced business owner
a 30 years experienced VA state certified mortgage broker
a 10 years experience desktop underwriting
a 10 years user experience in BYTE (Loan Origination Software)
Work Experience
2008- Present
Employment search as a result of the economic downturn, dissolution of self owne
d business and personal medical issues.
1991-2008 Old Dominion Financial Services, Inc.
Owner and President
a Secured, brokered and serviced approximately 300 loans owned by 170 investors
totaling 17 million dollars.
o Solely approved of loan requests from approximately 10 companies.
* Ran credit, judged equity positioning and the worthiness of the application
o Provided closing instructions to closing attorney with regards to the term and
conditions of funding
o Sold mortgages to new and existing lenders
o Lead industry in consolidating multiple lenders into one complete mortgage tra
nsaction
o 100% timeliness in funding the completed mortgage package via wire transfers o
r certified checks to attorney
o Simultaneously originated lending to private individuals for the purpose of ho
me purchase or debt consolidation
* Full compliance under Federal RESPA guidelines and regulations
* Conformed to all VA state guidelines and regulations
* Hosted audits on owner occupied mortgages by the state of VA, Bureau of Financ
ial Institutions
o Oversaw servicing of loans sold to companies
* Collection of delinquent accounts
* Maintenance of real estate insurance on each mortgage
* Ensured real estate taxes held a current status on behalf of lenders
* Oversaw the proper distribution of interest income on each mortgage to the app
ropriate lender
a Acted as Human Resource Officer
o Hired and trained new and existing employees
o Researched and implanted employee benefits in the small business setting
o Managed and arbitrated employee conflicts when needed
* Coached employees in proper decorum and behavior expected in professional sett
ing
a Strategic Leader
o Developed strategy and expectation to communicate with lenders on a monthly ba
sis with available mortgages for purchase
o Initiated a referral bonus system with existing lenders in order to constantly
introduce new prospects to the company
o Acted as Subject Matter Expert in collaboration with program writers to develo
p a mortgage servicing program
* This program increased efficiency by 25% within one month of implication
o Developed a method for mortgage sales which increased the companyas interest i
ncome by 5% for the first 30-45 days of mortgage.
o Kept informed of ever changing economic conditions in renovation market
o Constantly evaluated and studied competitorsa interest rates in order to remai
n competitive

1974 - 1991 Dixie Contractors, Inc.

Co-Owner
a Management of Telemarketing Department
o Hired, trained and supervised approximately 17 telemarketers.
o Developed an effective phone sales presentation for use by all employees
a . Management of Sales Department
o Hired, trained and supervised approximately 10 person sales staff
o Developed and trained staff on various sales presentations for products.
* Sales presentations consisted of a variety of visual aides (video and product
samples) as well verbal presentations with potential clients.
o Programs resulted in annual sales of 2,000,000 dollars
a Sales Finance
o Researched and developed relationship with various institutional lenders to fi
nance remodeling projects on behalf of customers.
o Negotiated agreements between institutional lender and company by which instit
utional lender compensated the company on loans made.
* Negotiated agreements resulted in an increase in gross profit by 20%
o Obtained insurance sales license for Credit Life, Accident and Health for loa
ns obtained for customers.
* This increased gross profit by approximately 7%
1969-1973 American Window Products, Inc.
Manufacturer and Distributer
a Hands on knowledge of manufacturing venetian blinds, storm windows, awnings, a
nd screens
a Distributed products to retail sales companies
a Responsible for inventory control

Education
1971 -1974 University of Richmond, Completed Major in Sociology Richmond, VA
1967-1971 J. R. Tucker High School
Richmond, VA
1978-2008 Mortgage Broker Certifications Lic#: MB1068

Trade Associations
Past Secretary, Home Improvement Counsel of Richmond
Past President, Home Improvement Counsel of Richmond
Member, National Association of Mortgage Brokers

Civic Activities
President, West End Gridiron Youth Football League
Coach, Youth Football, 20 years
Past member, Board of Directors, Tuckahoe Youth Football Association
References
Ronald W. Adolf, President Adolf Jewelers (804) 285-3671 (office)
9505 Branway Court (804) 741-4
900 (residence)
Henrico, VA 23229
Fred Itzkowitz, President, SIL Insurance (804) 288-8500 (office)
9105 Windover Ct. (804) 673-
0110 (residence)
Henrico, Va.
Additional references available upon request