CHARLES HEIL

79785 Amalfi Drive, La Quinta, California 92253

Messages: * Residence: (760) 200-2717 * Cell: (760) 702-6456 * chac325a
@westpost.net

FINANCIAL SERVICES MANAGEMENT

Operations Management~ Customer Relations ~ Sales ~ Staff Supervision ~ Staff Tr
aining & Development

* Extensive "hands-on" management experience in the consumer finance and residen

tial mortgage lending fields for: Beneficial Finance, Household Finance and HSBC
Mortgage Services.
* Specializes in returning unprofitable loan branches to profitability.
* Took the two most marginally producing offices for Beneficial on the West Coas
t and turned them into the top 10% most profitable in one year.
* Develops new sales finance merchant accounts and wholesale mortgage broker ref
errals.

EMPLOYMENT BACKGROUND / TRANSFERABLE ACCOMPLISHMENTS

HSBC MORTGAGE SERVICES - Brandon, Florida 2001 - 2007

Subprime servicer for the secondary mortgage market. Purchase mortgage portfolio
s from subprime originators. Revenue of $55B with 350 employees.
Lead Underwriter
Managed subordinate and contract underwriters to purchase subprime real estate l
oans in the secondary market. Performed due diligence. Evaluated results and con
cluded the buy. Supervised team of mortgage underwriters (2 to 35 staff) to purc
hase first and second mortgage loans from wholesale originators. Insured all loa
ns met state and federal requirements prior to finalizing purchase. Conducted me
etings with upper management of sellers to conclude purchase of portfolios. Prep
ared summaries of purchases and reported all findings to management.
* Travelled nationwide to meet with seasoned and contract underwriters to establ
ish plans to carry out purchases of pools of real estate loans. Monitored progre
ss and reported results to senior management daily.
* All buys were completed on time. Maximized full quarterly bonuses for 4 1/2 ye
ars of the 6 1/2 years.
BENEFICIAL MORTGAGE SERVICES - Fullerton, California 1997 - 2001
Mortgage originations. Revenue of $650M with 55 employees.
Retail / Wholesale Sales Manager
Maintained existing mortgage portfolio through aggressive refinancing program.
Developed outside mortgage referral program originated by eight account executiv
es in Southern California and Arizona. Managed day-to-day mortgage originations,
insured quality and reported results to senior management daily.
* Staffed and trained team of retail and wholesale account executives. Managed a
nd oversaw all phases of production from origination to conclusion. Consistently
accomplished goals set by management
* Increased portfolio from $600M to $650M while maintaining quality and profitab
ility.
* Performed as special liaison between Beneficial Mortgage Services and Home Sav
ings and Loan (now WAMU) in the areas of product development and training.
BENEFICIAL FINANCE - Numerous locations, California 1976 - 1997
Origination of personal loans, revolving and installment sales finance accounts
and first and second mortgage originations.
Manager
Provided loan products to new and existing customer base while meeting company g
oals. Responsible for collection of delinquent accounts. Hired and trained new a
nd existing employees. Maintained quality control while growing the business.
* Managed numerous branch locations each with its own unique demographics. Hired
and trained and built staffs from the ground up. Consistently increased net inc
ome and outstanding receivables.
* Built outstanding receivables, controlled expenses, cross sold insurance produ
cts and provided excellent customer service and turned marginally producing bra
nches in Anaheim Hills, Whittier, La Habra, Downey, South Gate, Canoga Park, Row
land Heights, Orange, El Toro and Santa Ana back to profitability.

CHARLES HEIL Page Two

EMPLOYMENT BACKGROUND / TRANSFERABLE ACCOMPLISHMENTS (Continued)

BENEFICIAL FINANCE (Continued)

* Generated new business through retail merchants, existing customer referral pr
ogram and developed wholesale mortgage originations.
PRIOR CAREER HISTORY
BALTIMORE ORIOLES - Baltimore, Maryland
Professional baseball.
Professional Baseball Player - Outfielder/Infielder
* In spite of the fact that I was drafted in the 26th round and told I was too s
mall and not strong enough to play, I led the league in most hits in my first ye
ar of five in professional baseball, was the youngest player in AA my second yea
r and in my forth year was the league's batting champion and selected to the All
Star Team.

EDUCATION

Business, Long Beach Community College, Long Beach, California

General Studies, El Camino College, Torrance, California
General Studies. Moorpark Community College, Simi Valley, California
CONTINUING EDUCATION AND TRAINING
Early Customer Service, PACE 1, 2
Understanding Management Principals and Implementation, PEP 1, 2
Courses in Principles of Leadership, Leadership Through Results, Coaching, Profe
ssional Feedback / Recognition,
Performance Management, Employee Evaluation, Avoiding Sexual Harassment, Behavio
ral Interviewing, Diversity Training
KEY WORDS FOR OPTICAL SCANNING
Six Sigma, CRM (Customer Relationship Management), Customer Relations, Direct Sa
les, New Account Sales, Territory Development, Field Liaison, Account Maintenanc
e, Sales Management, Sales Recruiting, Sales Administration, Sales Promotion, Ad
vertising, Market Research & Analysis, Product Management, Brand Management, Dev
elopment, Business Development, Planning, Administration, Financial Analysis, Ba
nking Relations, Credit & Collections, Cost Control, Reports, Analysis, Planning
, Training, Supervision, Systems and Procedures, Branch Openings, Project Manage
ment, Public Relations, Community Affairs, Training, Employee Mentoring, Employe
e Coaching, Recruiting, Evaluation, Orientation, Compensation, Benefits, Work Sc
hedule Control, Organization Planning & Development, Counseling, Recreation, EEO
Compliance, Compliance