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PROFILE
Raymond
Bramzel
Lateral
Thinker & Problem Solver
Introduction
Raymond is
an educated self-made successful and a well-organized focused professional
business executive, formerly from England, UK and a Naturalized US Citizen. He is a results oriented proactive-minded executive
who enjoys new business development, managing operations, solving problems,
working with people and thinking laterally with a dynamic, energetic,
determined, progressive and proactive manner in conducting business.
He has a working background and track record in business operations management,
finance, commercial and residential mortgages, property real estate management;
project management for new building construction human resources, healthcare as
a senior corporate executive operations manager. He has acquired through
practical working experience an understanding of business practices, operations
management, human resources, commerce, law, real property, estate management,
property development, finance, insurance and investment. This
covers a broad spectrum that would be considered applicable to most industries
and professions at managerial level, making him capable of undertaking a
variety of tasks in different fields.
He particularly enjoys
troubleshooting assignments being in challenging situations, constantly active,
creative and working with people. He also has leadership qualities
and is a good team player. His extrovert ' down to earth'
personality creates good customer and staff relations as he is able to converse
with people of different backgrounds. He always looks for positive
angles and has a good sense of humor. His philosophies include:
"success is a result of a series of corrections",
"most problems have solutions" and "negatives can be turned into
positives".
Accomplishments
His background is in secured
lending, business finance, home equity and second mortgages as an underwriter,
business analyst, surveyor, appraiser, credit officer, account executive and
delinquency manager. He granted commercial loan and business
finance facilities from $25,000 to $5,000,000 in the mid 1980s, lending for the
purpose of business acquisition, new development, expansion, debt consolidation
and refinance. He had been involved in setting lending criteria and
parameters as well as undertaking national and local marketing campaigns for
new business development. He was also successful at problem
solving, troubleshooting, accounts recovery, repossessions and asset
realization to eliminate or mitigate losses.
His main accomplishment was
being senior executive and operations manager of Grampian Corporation for ten
years in charge of over 2000 members of staff and 40 managed and skilled care
facilities with annual revenue of $65,000,000. This was formerly a
property 'sale and leaseback' investment venture capital finance organization
with a home equity lending division before it became a parent and holding
company for a number of trading companies providing skilled and managed care
facilities for The Elderly Infirm, Elderly Mentally Ill and Young Physical
Disabled. He started from repossessing defaulted mortgaged and tenanted
investments businesses and placed them into a trading company, Claremont Homes
then implemented an improvement and remodeling program. From there, he
became operations manager to achieve optimum annual revenue of $20,000,000, net
annual trading operation profit of $2,000,000. He obtained all the
required banking and finance facilities for the company to be able to turn
around its trading performance. After having achieved optimum trading
levels, he became involved in selling each business individually to recover
original capital invested and loan ledger balances to yield $15,000,000.
During the successful trading period of Claremont Homes the profits
provided base capital to support a second subsidiary company of Grampian
Corporation Ltd., Grampian Care to develop 25 new purpose built skilled and
managed nursing long term care facilities. He assisted in the project and
facility management in the building construction phases and after licensing,
became involved in a supporting role its operation management. The annual
revenue achieved was $45,000,000, net annual trading operating profits were
$12,000,000 and gross asset values in excess of $85,000,000, to become the
foremost and largest healthcare corporation with a portfolio of nursing
facilities in
From there, he became an
independent business contracted consultant and was appointment by banks,
receivers, companies and sole business proprietors to carry out diagnostic
surveys, appraisals, feasibility studies and recovery action plans for
businesses. This also included carrying out preliminary insolvency
and liquidation assessments. He had undertaken assignments for business
turnaround, to recover from insolvency and to increase revenue, improve profit
and enhance asset values. He has also carried out national and
local marketing and promotion campaigns to develop new business resulting in
increases in sales and revenue. He has a good understanding of
business management using principles of accountancy, commerce, law, insurance, human resources, appraising properties and
evaluating businesses.
Current Work Experience
In recent years in The USA, as
there were no suitable opportunities in the healthcare and commercial lending
industries, he has been an underwriter for retail and wholesale single family
residential mortgage companies undertaking permanent and temporary assignments,
as a contractor, full time employee and a consultant for banking corporations,
wholesale lenders, retail mortgage bankers and a mortgage insurance companies.
He has acquired his Direct Endorsement CHUMS ID from HUD to underwrite
FHA government mortgages in 2002. He has been a Regional Operations Manager for
a wholesale lending being in charge of 3 underwriters, 6 processors and 3
account executives. His maximum delegated single signing authority was
$1,000,000. He has taken a retail mortgage banking correspondent lender through
the FHA Lending “Full Eagle” Approval stages by doing their test cases. He also
has experience is FHA, FNMA and FHMLC underwriting
quality control, due diligence, bulk purchasing closed loans for investors,
forensic documentation analysis, statutory and regulatory compliance with
certificates for continuing education in single family mortgage lending
including completion of AllRegs Learning Pass for 16
of their courses. He has used most automated underwriting systems DU, LP, Assetwise, Clout Clues, eMits, ePoint and for conventional prime ‘A’ paper mortgages
and has underwritten to manual guidelines. Also, he has additional
experience in construction permanent loans, ALT-A, non-conforming, Jumbo,
non-prime and sub-prime mortgages lending manual underwriting to individual
guidelines and has used most mortgage software Calyx Point, Genesis, Encompass,
Empower, Loansoft, LMS, LIS, Datatrac, MortgageWare entre, Mortgage Click TMO
and many others.
Most Successful Factors
His success factors are analyzing , evaluating, problem
solving, planning, interviewing, initiating action, making decisions, negotiating,
developing, energizing, organizing, briefing, operating, managing,
coordinating, monitoring, modifying, diagnosing, controlling events, directing,
leading people, scheduling, troubleshooting, calculating and time management.
Click on the next hyperlink which is self-explanatory Statement
of Capabilities
His ideal situation is being in a challenging position that
utilizes his strengths in developing relations, improving business activity,
increasing profit, eliminating deficiency and enhancing asset value.
Education
He left college with a Science
Degree. He also spent a further two-year professional study in
estate management in general real property appraising under The Incorporate
Society of Valuers and Auctioneers of Great Britain
in the early Eighties which included subjects; economics, surveying, building
construction, appraising/valuations, contract law, tort, property, local and
central government laws. He is also a registered student at University of
Phoenix for a Bachelor Degree in Business Management/Global Business Management
Awards
Raymond has
attended private, public and comprehensive schools in Oxford and London in The
UK and as result of Raymond's achievements, in particular to the work he did at
Grampian Corporation, he was granted the Freedom of The City of London by
nomination by its mayor for work carried out for improving communities in
providing better quality of life to Seniors in long term care facilities and
became a life member of The Guild of Freeman of The City of London.
Details of this prestigious award can be found by clicking
on the following hyperlinks.
Interests
He is keen on water sports and has received awards for proficiency
in swimming, life saving, water crafts & diving. He spent his summer
vacations during a two year study period 1981 to 1983 as an exchange student
working as Water Front Counselor on Summer Camps in Pennsylvania and North
Carolina where he was there he took American Red Cross First Aid, Life Saving,
Advance Swimming, Aquatics and Water Safety Instructors courses. In
his youth, he participated in both Chinese and Japanese Martial. He had
also been involved in public speaking events. He has visited many
places in Europe, North Africa, Middle East as well as to The United States of
America and he has always been fond of different foods found around The World
from different countries, nations and ethnic cultural background as well as
knowing about international current affairs and historical events.
He has an interest in horology being a private collector of Swiss wristwatches
and pocket watches with an appreciation for arts and crafts. He has
been a follower of Formula 1 motor racing for over 25 years and has an
appreciation of vintage and classic motorcars. He enjoys
watching and participating in most sports. He also has a wide spectrum of
musical taste that has led to a private collection of pre-recordings. He was member
of two national backgammon clubs in The
Resume/Curriculum Vitae
Click on the word "Resume"
as a general and “SFR” for specific experience in Single Family Residential
mortgage lending.
References
A list of references is obtainable by clicking on the link Referees
The following are previous employers:
Employment1a
Employment1b
Employment2
The following are professional:
(i) Historic
Professional1
Professional2
Professional3
(ii) Recent
Conclusion
Raymond is focused, organized, proactive, articulate,
honest, trustworthy, reliable, professional, presentable, hardworking,
communicative, amiable, results oriented, determined and possesses business
acumen, good solid, broad, varied commercial knowledge and experience which
would make him a valuable asset for any company or organization.
Comments, suggestions and advice about the presentation of the web page,
material and content would be appreciated and you can send them to mondrayuk@yahoo.com
The profile, resumes, web pages and links
were entirely created and produced by Raymond Bramzel.
