Pricing /Profitabilty Manger Resume
Kandis S. Knox
PO Box
Costa Mesa, Ca
Cell
Most Current
Professional Experience
July, to January,
Indymac Bank
Pasadena and Irvine, CA
Correspondent Pricing and Profitability Manager, Secondary Marketing
Main responsibility is to the correspondent business unit on maintaining pricing spreads and margins along with profitability management. Monitor the BU position via pricing and guideline comparisons. Monitor the profitability per product and delivery channel.
Quarterly allocation and attribution analysis is done so the Correspondent President has understanding of any issues with the allocation. I also spearhead any projects that require Secondary Market involvement. Most recent project was to develop and roll out a Mandatory Trade Desk for exclusive use by the Correspondent Division. Develop process flows, procedures and train new employees.
Sept, to July,
Diablo Funding Group Wholesale Division (Now known as Bay Bancorp)
San Ramon, CA
Lock Desk Supervisor
I worked preparing daily rates, distribution of them (electronically and manually) and formulation of new regions as the company expands. I took care of rate locks loans, monitored expiration dates vs. shipped dates and follow up with investors for purchase advices. I took part in special negotiations, product selection for advertisement and worked with ops to bring new programs to our customers. I also prepared and monitored the investor applications for correspondent approval and warehouse lines. Daily reports, research projects and preparing policy and procedure for the lock department was also part of my responsibilities.
July, to Sept.,
Wausau Mortgage Corporation
Pleasanton, CA
Assistant Trader
I worked with a team of people preparing daily rates, distribution of them (electronically /manually) and formulation of new regions as the company expands. I took care of allocation of funded loans, monitored trades and followed up on suspense items. I would track the wholesale and retail pipelines for loan delivery and fall out. I also monitored the investor commitments and trade tickets for accuracy. I would do daily locks, special negotiations, shipping suspense items and investor approval pkgs.
Feb, to Aug,
HomeShark Solutions LLC
San Francisco, CA
Consultant Database Management
I worked with a team of consultants who were formed to transition iOwn, Inc. to CitiMortgage. I took care of general duties of the wind-down operations of iOwn, Inc. such as weekly AP functions, mail, COBRA and any correspondence for HR. Transition duties included, the lead transfers to the affiliate lenders on the site. I took care of the Customer Service mail that came to . The database that drives the RateShopper piece of the site fell under my care as well. All the rates, guides, fees and loan details were set-up and reviewed regularly. Along with that was development of a training guide for the database for when the transition occurred. All of these required regular reporting and enhancement involvement.
May, to Jan,
iOwn, Inc. (formerly known as HomeShark)
San Francisco / Martinez, CA
Pricing Manager - Developed a centralized pricing department. Primary responsibilities were upkeep of the Rate Shopper pages of the web site and locking loans with the lenders. Trained staff to input pricing, lock-ins and pipeline tracking. Developed support documentation for each of the lenders for the loan processing teams. Involvement with engineering with regards to new developments for the web site.
More is available upon request
Education
to
Skyline College
San Bruno, CA
Graduated with an Associates in Science Degree with a major in Surgical Technology, Phi Theta Kappa Honors.
to
Cypress College
Cypress, CA
Working towards an Associates Degree in Health Information Technology and Business Administration.
Cal State San Bernardino
San Bernardino, CA
Received Certificate in Mortgage Banking Fundamentals
Special Skills and Interests
Owner/Operator of a small home based pet sitting and direct sales business.
Participation in many charity events, walks and fund raisers.
Microsoft Windows versions of Word ., WordPerfect ., Excel, Access, Power Point, Publisher and many other Internet browsers and search engines. .
Mortgage Banking Software: DataTrac, Uniform, PowerSeller, Genesis , Contour, MoreVision, MortgageWare, MortgageFlex, Calyx Point and Eastern.
Outside organization web tool: Countrywide Clout and the locking portion on their website along with the AOT / DT access on Platinum. E-MITS user for Indymac both as a customer and the back end tools for corporate data management needs. Plus several other customer sites from mortgage institutions for locking and pipeline tracking.
