1. “As the Chief Executive Officer, I had the distinct pleasure of working with and
overseeing Sir on a variety of marketing initiatives. When Sir joined us, he
immediately exceeded our expectations by completing new and challenging projects
at a professional level. As a Wholesale Lender that depends on a strong marketing
strategy, Sir’s work left a lasting impact on our organization.”
Sir L. Rodeheaver
949.616.0900
sir_rodeheaver@yahoo.com
41 Sagecrest, Foothill Ranch, CA 92610
Andy Pollock, Chief Executive Officer
Icon Residential Lenders
Driven. Passionate.
Resume
References
Flyers
Newsletters
Logos
Photography
Miscellaneous
Non-Profit
“His key strengths are his creativity, dependability, productivity, project management,
and team attitude. He was the type of employee you could give any task and be
confident he would do whatever it took to accomplish it. His productivity set a new
standard in the department...”
Debbie Shetland, Vice President of Wholesale Marketing
Aames Home Loan
6. Rates and
Turn Times
M ATRICES
• Agency Conforming ARM Matrix
• Agency Conforming Fixed Matrix
• Agency High Balance Matrix
• DU Refi Plus Matrix
• Portfolio Conforming ARM Matrix
• Portfolio Conforming Fixed Matrix
• Portfolio DU Refi Plus Matrix
• Portfolio High Balance Matrix
• FHA Standard Matrix
• FHA Streamline Matrix
• VA Matrix
• Texas Section 50(a)(6)(Cash Out)
TURN TIMESRATES
7. 2301 Campus Drive, Suite 100
Irvine, CA 92612
888.202.0878
FHA Streamline:
No Credit Qualify -
640 FICO
Programs subject ot change without notice.
Icon Residential Lenders, LLC is a mortgage services provider for Grand Bank, a federally chartered national bank and its wholly owned subsidiary, Carnegie Mortgage, LLC.
CHECK OUT OUR RATES AND BEST IN CLASS TURN TIMES!
High Balance Loans Available!
• NO PAYSTUBS
• NO W2’S
• NO TAX RETURNS
• NO ASSETS*
• NO RESERVES
• NO APPRAISAL OR AVM REQUIRED
CO NTACT YOUR ICON ACCOUNT EXECUTIVE FOR MORE DETAILS!
ANY SERVICER ALLOWED
CREDIT REPORT REQUIRED
12 MONTH 0X30 MORTGAGE RATING
REQUIRED ON ALL MORTGAGES
* If assets are required then they must be verified.
Employment section of the 1003 must be completed. See product guidelines for restrictions.
8. Eligible for Borrowers with 5-10 Financed Properties.
CHECK OU T OU R R ATE S AND BEST I N CLASS TURN TI MES!
CONTACT YOU R IC ON A C CO UNT EXECUTI VE F O R MO RE DETAILS!
2301 Campus Drive, Suite 100
Irvine, CA 92612
888.202.0878
Non-Owner Occupied:
CASH OUT!
• MINIMUM 720 FICO
• THE MAXIMUM LTV/CLTV FOR CASH-OUT WHEN THE BORROWER OWNS 5-10
FINANCED PROPERTIES IS AS FOLLOWS:
• SECOND HOME AND 1-UNIT INVESTMENT: 70%/70%
• 2-4 UNIT INVESTMENT: 65%/65%
• BORROWERS WHO PURCHASED THE SUBJECT PROPERTY WITHIN THE
PREVIOUS SIX MONTHS ARE ELIGIBLE FOR A CASH-OUT REFINANCE
* Only if property was purchased within 6 months under delayed financing
** Eligible on Portfolio Conforming only - Subject to Delayed Financing Requirements
Programs subject ot change without notice.
Icon Residential Lenders is a DBA of Carnegie Mortgage, LLC, a wholly owned subsidiary of Grand Bank, N.A.
9. Icon Brings you More Purchase Power!
2301 Campus Drive, Suite 100
Irvine, CA 92612
888.202.0878
.25 Incentive.25 Incentive
on All Purchase Transactions!*
Icon Residential Lenders, LLC is a mortgage services provider for Grand Bank, a federally chartered national bank and its wholly owned subsidiary, Carnegie Mortgage, LLC
Call your Icon Account Executive for details!
*on all new locks effective 2-6-2013
10. E-recycle is a system whereby electronic items
can be properly discarded and recycled without
posing a threat to the environment. It is vital that we
safely reuse and recycle all of our e-waste. Trinity
Recyclers offers an efficient recycling service for
safe reuse and safe recycling of all electronic waste.
TrinityRecyclers achievesthehighestenvironmental
outcome by manually dismantling all e-waste items
into individual materials and components.
Free and Safe Disposal of:
TV’s, Fax Machines, Photo Copiers, Phones, Stereos,
Computers, Monitors, Washer/Dryer, Hair Dryers,
Speakers, Microwaves, Cookers, Fans, iPods,
Air Conditioners, Coffee Makers, DVD/VCRs, etc.
ANYTHING you can plug in!
28052 CAMINO CAPISTRANO, #107, LAGUNA NIGUEL, CA 92677 / 949.364.9200 O / 949.466.8507 C / WWW.TRINITYRECYCLERS.COM
CALIFORNIA’S RECYCLER
Trinity Recyclers
SUPPORT EDUCATION AND HELP PROTECT THE ENVIRONMENT
PARTNER WITH TRINITY RECYCLERS TO RAISE MONEY FOR YOUR SCHOOL
FUNDRAISING MADE EASY
CALL TODAY TO SCHEDULE A PTA RECYCLING FUNDRAISER EVENT
FOR EVERY POUND OF WASTE THE SCHOOL WILL RECEIVE 6 CENTS.
MAKE A DIFFERENCE. E-recycle is a system whereby electronic items can
be properly discarded and recycled without posing a threat to the environment. It
is vital that we safely reuse and recycle all of our e-waste. Trinity Recyclers offers
an efficient recycling service for safe reuse and safe recycling of all electronic
waste.
Make a Donation and Support Your Local School Today!
MAKE A POSITIVE IMPACT.
Castille Elementary School
24042 Vía La Coruna,
Mission Viejo, CA 92691
For every pound donated the school will
receive 6 cents to put towards building a
stronger future and education for the children.
Date: April 20, 2013
Where:
Free and Safe Disposal of: TV’s, Fax Machines, Photo Copiers, Phones, Stereos, Computers, Monitors,
Washer/Dryer, Hair Dryers, Speakers, Microwaves, Cookers, Fans, iPods, Air Conditioners, Coffee Makers,
DVD/VCRs, etc. ANYTHING you can plug in!
11. E-recycle is a system whereby electronic items
can be properly discarded and recycled without
posing a threat to the environment. It is vital that we
safely reuse and recycle all of our e-waste. Trinity
Recyclers offers an efficient recycling service for
safe reuse and safe recycling of all electronic waste.
TrinityRecyclers achievesthehighestenvironmental
outcome by manually dismantling all e-waste items
into individual materials and components.
Free and Safe Disposal of:
TV’s, Fax Machines, Photo Copiers, Phones, Stereos,
Computers, Monitors, Washer/Dryer, Hair Dryers,
Speakers, Microwaves, Cookers, Fans, iPods,
Air Conditioners, Coffee Makers, DVD/VCRs, etc.
ANYTHING you can plug in!
28052 CAMINO CAPISTRANO, #107, LAGUNA NIGUEL, CA 92677 / 949.364.9200 O / 949.466.8507 C / WWW.TRINITYRECYCLERS.COM
CALIFORNIA’S RECYCLER
Trinity Recyclers
SUPPORT EDUCATION AND HELP PROTECT THE ENVIRONMENT
PARTNER WITH TRINITY RECYCLERS TO RAISE MONEY FOR YOUR SCHOOL
FUNDRAISING MADE EASY
CALL TODAY TO SCHEDULE A PTA RECYCLING FUNDRAISER EVENT
FOR EVERY POUND OF WASTE THE SCHOOL WILL RECEIVE 6 CENTS.
14. Icon Residential Lenders, LLC is a mortgage services provider for Grand Bank, a federally chartered national bank and its wholly owned subsidiary, Carnegie Mortgage, LLC
*See product guidelines for restrictions
ICON
SCORES
ICON
SCORES
• Escrow Waivers ONLY .125 (conforming conventional only)
• No MLS Seasoning
• Electronic Delivering for Disclosures
• Free DU within Icon IQ2
15.
Celebrate Freedom @Celebrate Freedom @
JULY 3RD
3PM - 8PM
THE VILLAGE AT ORANGE
1500 EAST VILLAGE WAY
ORANGE, CA 92865
714.998.1521
SHACHAH
E-TRIBE
YOUNG CHOZEN
A New Beginning PRESENTS
FOR INFORMATION CALL
866-538-8221
Between Red Robin and Todai by the Food Court
Back to top...
17. CALI THROUGH AND THROUGH
I was born in Harbor City and raised in Little Saigon, California. As a youngster, I played
football and baseball and sang in choir all four years in high school. My whole life I have
been in choir and I still sing in my church choir. As for my sports team; I love the Angels,
Raiders and Lakers.
I served honorably in the US Army for six years and did several tours of duty in Iraq as a
Cavalry Scout and Mortar Man. I’ve been training in Muay Thai for the last nine months
and love it. Learning how to kick @$$ in a different way is one of the best things I’ve
ever learned.
My beautiful wife, Stacey, and I have four great kids; Sandra (12), Marlon (11), Mia (8)
and Zion (4). My kids are very active in after-school extracurricular activities and I love
being very active in those. Sandra plays volleyball. Marlon plays chess and trains in
Brazilian Jiu Jitsu. Mia also trains in Brazilian Jiu Jitsu. Zion does nothing – he’s too
young.
Every day at Icon is new and challenging. I enjoy coming to work,
because I learn something new every day. I hope to stay employed at
Icon for many years to come. I want to send a shout out to Liz Brandon
and Erick Benas!!! Thank you for believing in me.
God. Family. Country. Amen.
Who am I? My name is Eisen [eye-zen] Atuatasi and
I’m part of Icon’s Loan setup team working in the scan
room and indexing files.
I was born and raised in Orange County.
I mostly grew up in Newport Beach and
Huntington Beach. My family moved to
Mission Viejo when I started High School,
where I indulged in Soccer and Track. Right
after high school, I started working for my
family’s mortgage company and knew it
was my career path. Here I am over 20
years later and still love it!
My most favorite thing about my life is
being with my children. I am a mom of
two wonderful boys. Their ages are Zane
Lee 5½ and Kingston Lee 3½. When I
am spending time with them, it’s all about
remote control cars, nature walks looking
for bugs, practicing spelling and math
and of course anything dealing with being
outside. My immediate family lives very
close and we spend lots of time with my
folks.
I am a real “foodie”.
Anytime I can watch
the Cooking Channel
or Food Network, I
do. I took a couple
of cooking classes in
college and got the
bug. I like to make anything from Greek
yogurt (made in a pillowcase) to catching
my own fish and enjoying it barbequed or
grilled. I also, like to use fresh herbs, fruits
and veggies from my garden to accompany
my meals.
I really enjoy reading! My favorite genre to
read is anything relating to physics. Yes,
I am an undercover geek, but I can’t help
it. Learning about Quantum Mechanics,
Astrophysics and Cosmology are a serious
passion of mine.
Photography and jewelry making are few
of my hobbies. I concentrate on taking
photos of nature and trying to bring out the
depth and beauty, I see. Jewelry making
has been a great creative outlet for me. I
actually turned it into a part-time business
after I had my children. Of course, leaving
little beads around the house wasn’t such
a good idea once they started to walk. So,
now I just make jewelry for myself.
Lastly, I am honored to have been asked to
share with my Icon family a little bit more
about me. I love coming to work every day
at Icon. I have experienced many growth
opportunities personally and professionally
here. This is the place where opportunities
abound and the people are like family to
me. I am so excited to be on this journey
with all of you. Positive people, get positive
results. If you know anything about me, you
know I am a very positive person and I am
always smiling!
Who am I? My name is Nicole Lee. I currently
work in the Underwriting Department and I
am also a part of the IQ2 Users Group and
a SME at Icon Residential Lenders.
W H O A M I ?
FAMILY TIES
An improving US economic outlook and increased optimism about Europe were
unfavorable influences on mortgage rates this week. Fed purchases of mortgage-
backed securities (MBS) under QE3 helped offset the losses, though. As a result,
after several weeks of declines, mortgage rates ended the week just slightly
higher.
Friday’s Employment report was the big news this week. Against a consensus forecast of 120K, the economy added 114K
jobs in September, but the data from prior months was revised higher by 86K. The Unemployment Rate unexpectedly dropped
to 7.8%, the lowest level since January 2009, from 8.1% last month. Average Hourly Earnings, an indicator of wage growth,
increased moderately from August. Any way you look at it, the September data exceeded expectations. This increases future
inflationary pressures, which is negative for mortgage rates.
The results for the change in the number of jobs and for the Unemployment Rate are derived from different pools of data, and
sometimes the two sources show wide discrepancies in a particular month. The Unemployment Rate is based on a survey
of a small sample of households, and it can be extremely volatile, while the Payrolls data is based on information collected
from businesses and tends to be more precise. This month, the household survey showed a gain of 783K jobs, which was the
highest level since 1983, and far above the increase seen in the Payrolls data. Over longer periods, the two sources generally
show similar results, but not necessarily in the short-term.
E M P L O Y M E N T D ATA E X C E E D S E X P E C TAT I O N S
W E E K A H E A D
Global central banks continued to add monetary stimulus this week, which was favorable for US bonds. The economic data
was roughly neutral. As a result, mortgage rates ended the week a little lower.
On Wednesday, the Bank of Japan (BOJ) announced that it will increase its level of monetary stimulus, following simi-
lar recent moves by the Fed and the European Central Bank (ECB). The goal of the central banks is to boost economic
growth and to reduce joblessness. The primary tool used by the central banks is bond purchases. The increased demand
for bonds, including US mortgage-backed securities (MBS), from central bank purchases has helped push mortgage rates
lower.
The housing data released this week continued to show improvement in the sector. August Existing Home Sales rose 8%
from July to the highest level since May 2010. August Housing Starts increased 2% from July, and Building Permits for
single-family homes rose to the highest level since March 2010. The September NAHB Home Builders confidence index
rose for the fifth straight month to the highest level since June 2006.
Next week, the Fed’s Beige Book will be released on Wednesday. Import
Prices and the Trade Balance will come out on Thursday. The Producer Price
Index (PPI) focuses on the increase in prices of “intermediate” goods used by
companies to produce finished products and will come out on Friday, along with
Consumer Sentiment. In addition, there will be Treasury auctions on Tuesday,
Wednesday, and Thursday. Mortgage markets will be closed on Monday in
observance of Columbus Day.
M O R T G A G E M A R K E T N E W S
B A N K O F J A PA N E A S E S
• Weekly Jobless Claims came in at 367K, within its recent range
• Spain’s leader stated that Spain will not ask the ECB for aid any time soon
• The European Central Bank (ECB) made no change in rates
• Gold prices rose to the highest level since November 2011
A L S O N O TA B L E
I N S I D E T H I S I S S U E :
A N N O U N C E M E N T S P 2 A W O R D F R O M G R A H A M P 3 W H O A M I P 4 W H O ’ S I N T H E K I T C H E N P 5 W H AT ’ S T H E N U M B E R S P 5
September 28, 2012 at 8:00 AM EST,
the news went public. Rushmore Loan
Management Services (“Rushmore”) signed
an agreement to purchase ICON Residential
Lenders. From Mortgage News Daily to
Yahoo! News, the announcement was out on
the wire. But that’s not the “Moment in Time”
I am referring to… go back with me 15 hours
to our Town Hall meeting.
“Big Al’s gone.” He
continued, “That’s what
they called my dad.
Big Al.” Not the typical
opening one would expect
from the newly appointed
CEO of ICON. Known for his story telling,
Andy proceeded to share with everyone a
touching story about the death of his father.
Now, for those of you who couldn’t attend,
you may be thinking, “sounds like a downer”.
Let me tell you firsthand that it wasn’t. Not
even close.
I pose the question, “Have you ever had a
teacher or professor that was non-traditional
in their thinking and it carried through to
their teaching?” That’s Andy. You may not
understand at the beginning of class where
the dots are connected, but I guarantee by
class-end you will and you will be moved;
better yet, motivated.
On April 21st, 1999, Andy
could have stopped living
emotionally, spiritually and
professionally, but he didn’t.
In fact, it was on that very
day that Andy started living –
a re-birth if you must. Andy’s
story of his father’s death was not to give
us, the audience, a glimpse of who he is –
though it accomplished that as well – but it
was shared to give us hope. It was shared
to motivate. It was shared to remind us all
that it’s normal to fear change but change is
often needed to move forward.
continued on p.6
M O M E N T I N T I M E
Our mission is to provide exceptional customer service
to everyone we come in contact with going beyond
the expected while establishing and maintaining
relationships that are built on trust and respect;
demonstrating a high regard for integrity and our
commitment to doing things right the first time.
Our employees, customers and competitors will know
us as the standard by which others are measured.
Our decisions and actions demonstrate four core
values that we believe create long-term benefits for
our customers, each other and the communities we
serve.
We act with INTEGRITY...
In all we do, we hold ourselves pesonally accountable
for our behavior and actions; committed to business
ethics that demonstrate honesty, trust and respect in
all aspects of our work, providing quality leadership in
people, product, process and service.
We value RELATIONSHIPS...
Wefosterstrongandlong-lasting workingrelationships;
consistently striving to treat our colleagues and
customers with the respect they deserve and take
pride in the significant contributions that come from
the diversity of the individuals and their ideas.
We take pride in our CUSTOMER SERVICE...
Our cutomer service exceeds expectations and we
take responsibility for customer satisfaction. We are
responsive, accurate, proactive and dedicated to not
just meeting but exceeding the expectations of all our
customers; internally and externally.
We are committed to LOYALTY...
We cherish loyalty because of all it represents and
we are sincerely committed to expressing our loyalty
through our dedication and devotion to our customers,
obligations, commitments and to one another.
O U R M I S S I O N
F A L L 2 0 1 2
SET A NEW TRAJECTORY
Andy allowed us to share in
one of his most vulnerable
moments in time so that we
may be inspired.
O U R VA L U E S
ICONNECT
THE
S I R R O D E H E AV E R
18. OCTOBER ANNIVERSARIES
Herb Lau - 5 years
Julian Villanueva - 4 years
Peggy Douglas - 4 years
Terry Bloes - 3 years
Cynthia Ellenburg - 3 years
Dena Ress - 3 years
Reyne Franco - 2 years
Kenna Johnston - 2 years
Nikki Ngo - 2 years
May Vue - 2 years
James Banuelos - 2 years
Veronica Tillis - 2 years
Tiffany Johnson - 1 year
Help us with our hiring efforts by referring
qualified candidate that you know or have
worked with be-fore. We’re extending the
$1,000 referral bonus! Check with HR for
details.
We have openings for talented individuals
in...
Operations
• Account Managers
• Loan Setup/Intake
• Underwriters
• Funders
• Document Drawers
• Supervisors / Managers
Sales
• Account Executives Nation-wide
• Retail Loan Officers
WE WANTED TO LET YOU KNOW HOW MUCH WE APPRECIATE EVERYTHING YOU DO.
BEST WISHES FOR ANOTHER SUCCESSFUL YEAR.
O N Y O U R A N N I V E R S A RY
H I R I N G N E W S
Please join the executive team in welcoming Jeff
Lisinicchia [listen-ick-ee-uh] as Icon’s Chief Financial
Officer. Jeff joins ICON after a successful career with
Peak Corporate Network. He formerly worked at
Greenlight Financial Services for many years as Chief
Financial Officer and GMAC Mortgage Corporation
in various positions, including VP of Finance of the
DiTech division and CFO of its mortgage REIT. Jeff has
an exceptional track record for facilitating growth and
instituting consolidated financial reporting practices
providing accurate and timely results.
Also joining Icon is our new Senior Vice President of
Service Management Sue Anthony. Sue joins ICON
after a successful career with Global Logic Advisors.
She formerly worked at First Franklin Financial
Corporation, a Merrill Lynch company, for many years
in various positions, including Director. Sue has
an exceptional track record for delivering profitable
solutions that exceed expectations, with measurable
results, in information technology, business operations
and management.
A N N O U N C E M E N T S
OCTOBER NEW HIRES
Arman Chapa - Account Executive
Janee Reeder - Account Executive
Kris Buckley - Account Executive
Kenneth Schultz - Account Executive
John “Ted” Sweeney - Account Executive
Sean Finn - Midwest Area Sales Manager
Michael Broyles - Account Executive
Dennis Dziubek - Account Executive
Karen Van - FHA Underwriter
Guadalupe Villegas - Doc Drawer
Cindy Breece-Garr - Funder
Sandra Garcia - Loan Set Up Associate
Frederick De Guzman - Funder
Gregory Chee - Doc Drawer
Tamara Cota - Funder
Alynne Clay - Funder
Richelle Brown - Account Manager
Hilcia Winemberg - AM Team Lead
Cassandra Winkelman - Post Closing Associate
Kerry Wilds - Loan Set Up Associate
RJ Arnett - EVP, Wholsale Lending
Andy Pollock - CEO
Sue Anthony - SVP, Service Management
Jeffrey Lisinicchia - CFO
Ingredients
Cooking spray
12 ounces fully cooked Italian-style
poultry sausage, cut into 1-inch pieces
1/2 cup lightly packed fresh basil
1 12-ounce jar roasted red peppers,
drained, rinsed and cut into 1-inch pieces
2/3 cup sun-dried tomatoes, cut into
1-inch pieces if large
1 14-ounce can artichoke hearts, drained
and quartered
Directions
Heat a nonstick skillet over medium
heat; mist with cooking spray. Add the
sausage; cook, turning 2 or 3 times, until
warmed through and browned, about 8
minutes.
Thread 1 small or 1/2 large basil leaf onto
a small wooden skewer. Add a piece of
roasted red pepper, sun-dried tomato,
artichoke and sausage, arranging them
on the skewer so that it can stand
up on the sausage end.
Repeat with the remaining
ingredients to make about
two-dozen skewers.
A N T I PA S T O S A U S A G E S K E W E R S
M E A N G R E E N J U I C E
SIR RODEHEAVER
DIRECTOR, MARKETING & BUSINESS DEVELOPMENT
Ingredients:
1/2 cup Margarine
2 cups Peanut Butter
1 lb. Powdered Sugar
3 cups Rice Krispies cereal
8 oz Bar Milk Chocolate (Hershey Bar)
6 oz Chocolate Chips
1/2 Bar Paraffin Wax
Blend margarine, peanut butter and powered
sugar. Mix in Rice Krispies cereal. Roll into
3/4-inch balls. Set aside.
Melt chocolate bar, chocolate chips and
paraffin wax in double boiler. Turn heat
down to low and dip the balls into the
chocolate.
Remove and put on waxed paper and
refrigerate.
Ingredients:
6 Kale Leaves
1 Cucumber
4 Celery Stalks
2 Green Apples
1/2 Lemon
1 piece of ginger
6 Carrots (Optional)
2 Tomatoes (Optional)
Directions:
In a juicer; place each of the listed
ingredients.
Tips:
• Be sure not to start with the
ginger
• If you are not sure how
much ginger to use, go
lighter than heavier (it
can be overwhelming)
GET FIT
I lost 25 lbs. in one month
drinking only this for every
meal (64oz daily intake)
W H O ’ S I N T H E K I T C H E N ?
JEANNE STAFFORD
POST CLOSING ASSOCIATE
K R I S P I E S P E A N U T B U T T E R
B A L L S
ELISA ALLEN
DIRECTOR, LEARNING & DEVELOPMENT
THEY LOVE IT
Great holiday appetizer.
Quick and easy and
always a hit.
Start with a clean grill. Keep it clean by brushing with a wire brush after
preheating, and again after cooking. Make sure to oil your grates and
your food before putting it on the grill to keep it from sticking.
Emeril Lagasse
I N S I D E T H I S I S S U E :
A N N O U N C E M E N T S P 2 P I C S F R O M H A L L O W E E N P 3 W H O A M I P 5 W H O ’ S I N T H E K I T C H E N P 6 W H AT ’ S T H E N U M B E R S P 8
W
hile Memorial Day is a day to honor
those who died while serving
our nation by remembering the
sacrifice they made, Veterans Day pays
tribute to all veterans, both living and
deceased. Public observances vary from
small town parades with local veterans
riding on floats to an official wreath-laying
ceremony at the Tomb of the Unknowns in
Arlington National Cemetery.
Although most Americans are aware that
the Tomb of the Unknowns is a monument
dedicated to unknown soldiers who
sacrificed their lives defending America in
World War I, War II and the Korean War,
most Americans do not know the degree to
which soldiers go to honor these veterans.
Since 1948, soldiers have guarded the Tomb
of the Unknowns 24 hours a day, 365 days a
year regardless of weather.
The soldiers bravely remain at their posts,
just as they stayed on duty during Hurricanes
Isabel and Irene as well as the 2010 blizzard
which shut down the capital for days. Tomb
Sentinels have the option of standing their
watch over America’s fallen heroes under a
tent when it rains, but they have consistently
declined to do so.
Fewer than 20 percent of all volunteers are
accepted for training and of those only a
fraction pass training to become full-fledged
Tomb Guards. Considered one of the highest
honors to serve as a Sentinel at Arlington
Cemetery’s Tomb of the Unknowns, this
inspirational picture is a reminder of the
service soldiers provide and displays the
true honor, courage and commitment of the
United States Military. The Guards of Honor
at the Tomb of the Unknowns are highly
motivated and proud to honor all American
service members who are “Known But to
God.”
On this Veterans Day, we would like to thank
all the men and women who bravely served
and sacrificed for the freedoms we have
today. We are proud to honor you.
C O M M I T M E N T T H R O U G H T H E S T O R M
Our mission is to provide exceptional customer service
to everyone we come in contact with going beyond
the expected while establishing and maintaining
relationships that are built on trust and respect;
demonstrating a high regard for integrity and our
commitment to doing things right the first time.
Our employees, customers and competitors will know
us as the standard by which others are measured.
Our decisions and actions demonstrate four core
values that we believe create long-term benefits for
our customers, each other and the communities we
serve.
We act with INTEGRITY...
In all we do, we hold ourselves personally accountable
for our behavior and actions; committed to business
ethics that demonstrate honesty, trust and respect in
all aspects of our work, providing quality leadership in
people, product, process and service.
We value RELATIONSHIPS...
Wefosterstrongandlong-lasting workingrelationships;
consistently striving to treat our colleagues and
customers with the respect they deserve and take
pride in the significant contributions that come from
the diversity of the individuals and their ideas.
We take pride in our CUSTOMER SERVICE...
Our customer service exceeds expectations and we
take responsibility for customer satisfaction. We are
responsive, accurate, proactive and dedicated to not
just meeting but exceeding the expectations of all our
customers; internally and externally.
We are committed to LOYALTY...
We cherish loyalty because of all it represents and
we are sincerely committed to expressing our loyalty
through our dedication and devotion to our customers,
obligations, commitments and to one another.
O U R M I S S I O N
N O V 2 0 1 2
O U R VA L U E S
ICONNECTTHE
S I R R O D E H E AV E R a n d E L I S A A L L E N
Soldiers of the 3rd Inf Reg. Continue to stand guard at the Tomb of the Unknown Soldier,
despite the worsening weather conditions. Picture taken on Sept 18, 2012.
19. 2 CommunityNews
24/7 Jesus
| August 2009
BookReview
CommunityCalendar
Continued on back page
June 2010
The One Thing You Can’t Do In Heaven
By Mark Cahill
this was a very impactful book it transformed my walk with the Lord and got me off the sidelines and in the
game sharing my faith. god’s timing was perfect because i realized that this book would lead me to my next
spiritual phase with the Lord and it all had to do with sharing my faith. if you feel stagnant in your walk, i would
encourage you to share your faith. god will show you a real miracle – that’s watching someone go from death
to life. Not only that, but you get a part in it because god is using you to save another. the Bible says that He
wishes no one will perish. this book will equip you with some very practical ways to share your faith and also
some stories that will defiantly pump you up. Remember we don’t have to be called to be an evangelist to
witness – it’s a lifestyle and more so it’s a testimony of what the Lord has done in your life. So enjoy the book and
enjoy the fruit that comes from sharing your faith.
Every Mon & Wed■
Prayer &Worship
A time of dedicated prayer.
A New Beginning,
866-538-8221
info@anewbf.org
11am - 12:15pm
Every Thursday Night■
All Night Prayer &Worship
A time of dedicated prayer.
A New Beginning,
866-538-8221
info@anewbf.org
9:30pm–?
Every Tues, Thur, & Fri7■
Bible Study
Live worship and a time of intimate bible
study.
A New Beginning,
866-538-8221
info@anewbf.org
11am - 12:15pm
Every Saturday Morning■
Bible Study
An in depth study of the Bible.
Trabuco Hills High School,
eric@anewbf.org
6am–7am
Saturday, June 5th■
Beachside Summerfest
Music event feat. Dominic Balli, Shachah,
Lovelite & many more.
Huntington Beach Pier
beachsidesummerfest.com, 11am–6pm,
Free.
Saturday, June 12th■
2010 Fish Fest
Music event feat. Toby Mac, Jeremy Camp, &
many more
Irvine Amphitheater
thefish959.com
3pm-11pm. $10.
Saturday, June 19th■
Freedom Crusade
These engagements are geared to open the
eyes of the church.
A New Beginning
info@anewbf.org
11am–1:30pm
Thursday, June 24th■
Attorney Q&A Session
Structured to answer any concerns or
questions that you might have in regards to
the program.
A New Beginning
info@anewbf.org
7pm–8:30pm
Every Thursday■
Bible Study
Every Thursday, excluding the last Thursday
of each month. Live worship and a time of
intimate bible study.
A New Beginning,
866-538-8221
info@anewbf.org
7pm - 8:30pm
Updated Events Calendar■
on Website
www.anewbf.com/calendar
witnesses to us; for after he had said before,
“This is the covenant that I will make with
them after those days, says the LORD: I will
put My laws into their hearts, and in their
minds I will write them,” then He adds, “Their
lawless deeds I will remember no more.” Now
where there is remission of these, there is no
longer an offering for sin. Therefore, brethren,
having boldness to enter the Holiest by the
blood of Jesus, by a new and living way which
He consecrated for us, through the veil, that is,
His flesh, and having a High Priest over the
house of God, let us draw near with a true
heart in full assurance of faith, having our
hearts sprinkled from an evil conscience and
our bodies washed with pure water. Let us
hold fast the confession of our hope without
wavering, for he who promised is faithful.
And let us consider one another in order to
stir up love and good works, not forsaking
the assembling of ourselves together, as is the
manner of some, but exhorting one another,
and so much the more as you see the Day
approaching”’ (Heb. 10:11-25 ). Now because
of Jesus’ finished work on the cross for our
sins, we have hope.
Our hope is that we now have access to God.
“Seeing then that we have a great High Priest
who has passed through the heavens, Jesus the
Son of God, let us hold fast our confession.
For we do not have a High Priest who cannot
sympathize with our weaknesses, but was in
all points tempted as we are, yet without sin.
Let us therefore come boldly to the throne of
grace, that we may obtain mercy and find grace
to help in time of need” (Heb. 4:14-16). And
not only do we have access to God, but he has
also blessed us by giving us His Holy Spirit to
AccesstoGodcont.
August 2009 |CommunityNews
24/7 Jesus
3
CommunityNews
24/7 Jesus
A monthly newsletter of the
Body of Christ Community
Editor: Sir Rodeheaver
Design: SirGivot Design
Photography: Matthew Givot
Rick’sRally
StayConnected
Address: 1526 E. Lincoln Ave
Orange, CA 92865
Phone: 866-538-8221
Twitter: twitter.com/ANEWBFprayer
Facebook: A New Beginning
Meetup: www.meetup.com/
anewbeginningfinancial
June 2010
Fearfully Made
Rick Morgan
I
am a miracle.
More about that
in a moment. First,
some background: I
was asked barely a
week ago if I wanted
to start writing this column for the newsletter,
rather by surprise, because I’d had no idea that
a newsletter was even being planned.
I suspect that there are a number of reasons
why I was given this honor—and it is an
honor—and I was more than happy to take
on the challenge. I think that, secretly, the
editors asked me because they know that I
have a lot to say and that, if I wasn’t given
an outlet, I’d explode. There could be some
truth to that.
OK, so I was all poised for intros when I
“happened” to see a short video over this last
weekend called HOW GREAT IS OUR GOD.
I’d had it for a few weeks; there it sat by our
TV, not only unwatched, but still sealed.
Cue Divine Appointment.
Louie Giglio, who conducts the PassionTalk
Series, of which HOW GREAT is one disc,
took me on a journey from the far reaches of
the cosmos right down to the very
core of my human
body.
Here’s the thing: The
Cross of Jesus Christ bookends
everything in between. Giglio passionately
showed me, in very graphic form, how tiny
this planet of ours really is within the cosmos.
In the far reaches, the image of the cosmic
Cross was taken by the Hubble SpaceTelescope,
and is revealed across the nucleus of the spiral
galaxy M51, 1100 light-years away from us.
(Light travels at 186,000 miles per second. You
can either do the math, or get a copy of HOW
GREAT.)
Of course, scientific description doesn’t refer
to it as The Cross, or even a cross but, rather,
an “X”. A cross would run counter to the
common scientific school of thought that the
Universe couldn’t possibly have been created by
the Eternal God. Put ‘em on the Prayer List.
No, I am vastly more awed to think that
I’m looking up at the Cross of Christ from
the vantage point of just under His left side.
More humbling. More comforting.
Meanwhile, deep within my body. . .
Ever heard of laminin? I hadn’t, either when,
last fall, a former co-worker told me about it.
Put in the context of HOW GREAT IS OUR
GOD, it’s nothing short of mind-blowing, and
I’m left with the thought that I simply don’t
know how people go to bed at night without
a rock-solid belief in God and the salvation
brought only by the death of Christ on the
Cross.
Laminin is, very simply put, a protein
that, as Giglio describes it, is the rebar
that holds the human body together.
I’m not going to do laminin justice
here; suffice to say that it involves DNA
and molecular structure. You can watch
a part of Giglio’s sermon on laminin on
YouTube.
All of this is open to interpretation, of
course; scientific and/or secular thought will
explain it all away in a non-Creation way.
Even Snopes weighs in. Once again, pride
runs amuck.
We as Christians, of course, know TheTruth.
The bottom line is that, to quote Giglio, I am
fearfully and wonderfully made. We are made
with perfect order. And God will and does
hold onto us in the palm of His Hand and will
always, amid the pain and confusion, hold us
together with His unfailing Love and get us
through our temporary circumstances, giving
us the strength to take one. . more. . step.
God does not abandon His miracles. I am
a miracle. And so are you. •
“TheCrossofJesus
Christbookends
everything”
By that time, it was too late to recoup the
past and the time lost. After my wife was
forced by property management to leave
our residence, i followed in attempt to
save whatever was left of my marriage.
Unfortunately, i was alone in that attempt,
which left me homeless.
My wife moved in with her mother and i
moved in with the trash. My new place of
housing was behind a dumpster in an alley
of a strip mall. in a new pursuit of happiness i
started attending a local church.
Rinse Cycle
April 2010. i was doing laundry at the local
laundrymat with my last $2, when all of a
sudden an old friend walked in. i was asking
him about one of the local businesses and
where they had moved to. i remember one
of the guys there being in love with the Lord
and sharing about it.
After findng their new location i was
welcomed with a love that gave me hope
again. the company had a shower and
bunkbeds put in the back for people in my
situation. they helped me get my i.D. and
even lined me up with employment at a local
deli. All the employees pitched in to get me a
bus pass and even donated their clothing.
everyday i go there and read the word of
god, get into Bible studies and do worship
with all the employees. i have tasted His love
and now i go out and share His love within
the homeless community. My relationship
with the Lord has grown tremendously and
continues to grow daily.
PraiseReportcont.
Continued on page 2
“The business is ministry”
Volume 1
Number 1
June 2010
CommunityNews
24/7 Jesus
BookReview
Mark Cahill’s One
Thing You Can’t Do
in Heaven. Page 2
FearfullyMade
Rick touches on
just How Great Our
God Is. Pages 3
Calendar
Attorney Q&A Session,
answer any questions
in regards to the
program. Page 2
AccesstoGod
The Power of Prayer
Dave Hellman
H
ave you ever wondered what the point
of prayer is? Is there really a God who
loves you and hears your prayers or are
your prayers in vain? Here at A New Beginning
Financial and Ministry we believe there is
a God who cares and answers prayer. And
because of that belief we aim for prayer to be
at the core of all we do. In the remainder of
this article, the hope is that your faith in Jesus
will be strengthened, and that you will join us
in crying out to Him.
So why do we pray? To answer this we
first need to look back to how our ancestors
communicated with God. The first man and
woman, Adam and Eve, at one time had
direct access to God in the Garden of Eden.
Then they sinned by eating of “the tree of the
knowledge of good and evil” (Gen. 2:17, 3:6)
which brought about physical and spiritual
death to all of humanity (Rom. 5:12). God
gave hope by promising a future Messiah
(Gen. 3:15), and provided “tunics of skin”
(Gen. 3:21) which pointed ahead to the need
of Jesus’ sacrifice for our sins. A downward
spiral followed Adam and Eve’s sin with them
being driven out of the garden (Gen. 3:24),
Cain murdering Abel (Gen. 4), Lamech having
multiple wives, and killing a young man (Gen.
4). Then hope was given again by Seth’s birth,
providing a Godly line for the Messiah to
come through, and his son Enosh’s birth, in
which “men began to call on the name of the
LORD” (Gen. 4:26). This can be seen as the
first Biblical revival.
Sin continued to devour people’s lives, with
a Godly line being preserved, in which Jesus
the Messiah came through. Up until Jesus’
death, burial, and resurrection, the high priest
was the only one who could approach God
on our behalf once a year. Animal sacrifices
were offered for people’s sins, which could
never take them away, but only provided a
temporary covering. And every priest stands
ministering daily and offering repeatedly the
same sacrifices, which can never take away sins.
But this Man [Jesus], after He had offered one
sacrifice for sins forever, sat down at the right
hand of God, form that time waiting till His
enemies are made his footstool. For by one
offering He has perfected forever those who
are being sanctified. But the Holy Spirit also
PraiseReport
“For where two or three have gathered together
in My name, I am there in their midst.”
PHoto:MAttHewgivotPHotogRAPHy
The Neverending Pursuit
2009... the new year rolled in and
i was venturing into business for
myself. i had opened my own
painting company; painting
houses, offices, city walls, etc (if it
could be painted, i could paint it). i
already had many clients and was
still building clientele.
i always had drug habit, but it
wasn’t a problem - until i let my
drug dealer rent a room from me.
Her currency for rent was drugs. By
mid 2009 it had all gone downhill
- my wife and i were fighting for
our shares of the drugs, which
eventually led to manipulation
and chaos.
My focus was no longer providing
for my wife and i, but an all out
pursuit for the next high. the
pursuit tore apart our love and
friendships with close friends,
including our dealer. My wife
started stealing anything she
could to get the drugs.
Welcome Home-less
in the beginning months of 2010, i
had decided get sober and kicked
out my dealer, which caused major
issues with my wife and i. My wife
was so involved with her new love
(the drugs) that we were on the
verge of splitting.
Back to top...
35. 69.5%
11.6%
5.3%
0.4%
0.9%
11.2%
1.1%
66.2%
8.0%
4.7%
3.0%
16.4%
1.7%
66.7%
0.1%
9.8%
5.7%
1.6%
14.1%
1.5%
0.4%
71.3%
11.1%
4.8%
1.3%
8.7%
2.8%
65.2%
12.7%
2.3%
1.7%
14.8%
3.4%
76.6%
4.8%
7.1%
11.5%
100%
90%
80%
70%
60%
50%
40%
30%
20%
10%
0%
2012-6
2012-5
2012-10
2012-9
2012-8
2012-7
74.8%
13.1%
12.1%
70.9%
9.7%
19.4%
72.5%
11.8%
15.7%
76.1%
13.9%
10%
67.3%
16.2%
16.5%
83.7%
4.8%
11.5%
100%
90%
80%
70%
60%
50%
40%
30%
20%
10%
0%
2012-6
2012-5
2012-10
2012-9
2012-8
2012-7
product
migration
CONFORMING
FHA
VA
13
TONI
FARROW
CHIEF ADMINISTRATIVE
OFFICER
KEVIN
GILLESPIE
CHIEF CREDIT OFFICER
EIRANN
MITTELSTEADT
VICE PRESIDENT,
SECONDARY MARKETING
JEFF
LISINICCHIA
CHIEF FINANCIAL
OFFICER
ANDY
POLLOCK
CHIEF EXECUTIVE
OFFICER
RJ
ARNETT
EXECUTIVE VICE PRES.,
WHOLESALELENDING
GRAHAM
FLEMING
PRESIDENT,
ADMINISTRATION
SUE
ANTHONY
SENIOR VICE PRESIDENT,
SERVICE MANAGEMENT
= NEW ADDITION
company
core chart andrew pollock currently serves as CEO of ICON Residential. Prior to his current
position, Mr. Pollock served as President and Chief Administrative Officer of First
Cal.
graham fleming currently serves as President of ICON Residential. Mr. Fleming
previously served as the COO of Finance America.
susan anthony currently serves as Senior Vice President of Service Management at
ICON Residential. Prior to her current position, Mrs. Anthony served as a Director
at Global Logic Advisors.
rj arnett currently serves as EVP of Wholesale Lending of ICON Residential. Mr.
Arnett previously served as the EVP of CS Financial.
eirann mittelsteadt currently serves as VP Secondary Marketing of ICON
Residential. Prior to her current position, Eirann served as Transaction Manager of
BNC Mortgage, subsidiary of Lehman Brothers Bank, FSB.
kevin gillespie currently serves as Chief Credit Officer of Icon Residential. Prior
to his current position Mr. Gillespie served as VP Corporate Credit for Impac
Companies for 11 years.
toni farrow SPHR, currently serves as the Chief Administrative Officer of Icon
Residential. Prior to holding this position, she was SVP and Managing Director
of HR and Organizational Development at Fortune 500 companies and consulted
globally.
jeffrey lisinicchia currently serves as the CFO of ICON. Prior to his current position
Mr. Lisinicchia served as CFO for Peak Corporate Network and Greenlight Financial
Services.
6
building blocks to achieve financial growth
CONFIDENTIAL
company
overview
36. Credit Risk
FRAUD PREVENTION / PRE-FUNDING SUMMARY
• Verbal verification of employment is completed at loan approval and again at the time of funding.
• MERS reports are reviewed (within CoreLogic LoanSafe report) at underwriting and prior to closing for
detection of any undisclosed real estate.
• CoreLogic LoanSafe reports run on every loan approval to assess collateral information and borrower
information that would indicate any type of red flag. Underwriters review each loan to ensure that any
noted ref flags are address.
• Review appraisal are ordered at the discretion of the underwriter based on quality of appraisal and
information in the LoanSafe report.
• 4506-T’s are processed on all transactions that contain income documentation.
• Lexis Nexis reports are available to the underwriting department when any non-arm’s length issue or red
flag discovered through the underwriting process.
• Underwriters complete extensive web research on the existence of businesses, licensing, etc.
• Exclusionary Lists – Internal, Investors and Governmental (CAIVERS, GSA, LDP, and System for
Award Management) checked on all loans.
• OFAC reports are run at the time of a new loan setup.
• Bridger Insite reports are run on all loans immediately prior to the wiring of funds.
• All regulatory & state high-cost test are completed at loan setup & again prior to document preparation.
Credit Risk
LOAN PROCESS SNAP-SHOT
• All loans are required to meet regulatory and state compliance requirements
• Each loan must receive a DU Approve/Eligible
• LOS overlays in place
• Exceptions submitted to Chief Credit Officer for evaluation and approval or decline
Broker submission
AU Approved,
Decline or further
review
Exception Processing
with Chief Credit
Officer
Docs Drawn and
Funded
Post Close Audit
Performed
Compliance
Regulatory and State
High-Cost test
Loan Setup
Retail Sales Strategy
This highly confidential material is the sole property of Grand Bank, NA. Use of this material must be approved by Grand
Bank, NA. Any unauthorized use or reproduction of this material may result in legal action and strict penalties.
Updated: February 2013
37. 2301 Campus Drive, Suite 100, Irvine CA 92612 888.202.0878 P www.iconwholesale.com
d e pA r t M e n t o v e r v i e W
Continuous Wholesale Channel & Corp Efficiencies
• Implementprocessimprovementmethodsbyidentifying
methodologies which focus on reengineering and best
practice throughout the organization
• Provide online mortgage pipeline management -
“Universal Production View”
• Establish Icon Residential “Data Mart” as central
repository allowing the organization to easily access
information
• Increase internal and external communications through
various channels to ensure information is delivered to
appropriate parties in a timely manner
Executing on Business Objectives
• Develop measurement techniques to provide means
for executing on business decisions
• Demonstrate excellence in project prioritization and
project management
• Follow strict adherence to loan delivery, loan quality
and compliance / regulatory risk targets
• Leverage affiliate company resources
• Initiate policies that focus on adherence to compliance
withFederalandStateConsumerProtectionRegulations
Fiscal Responsibility & Precise Profit Management
• Improve quality of service and reduce cost / leverage
third-party vendors
• Identify opportunities / solutions to lower costs and
generate revenues
• Communicate on Icon Residential product mix “strike
zone” and pricing needs
• Maximize loan sale execution through pipeline
management and a combination of GSE delivery and
mortgage conduits, Correspondents, REITs and Credit
Enhancements
• Eliminate counterparty risk through the origination of
perfected loans
Expand Origination Channels & Client Opportunities
• Outline Retail strategy and business plan
• Isolate Realtor business opportunities & working
relationships
• Evaluate and assess potential business joint ventures
and opportunities
• Develop Correspondent origination channel venture
Wholesale Expansion
• Target geographic expansions that are aligned with
forecasted property value stabilization
• Outline and deliver sales training and excellence
program that aligns with the product “strike zone” and
Client targets
• Improve Client profiling and territory management
• Develop and deliver corporate supported product
training
Client Experience
• Establish Wholesale Client capabilities with outlined
connectivity plans
• Develop Client satisfaction measurement programs
• Deliver simplified product guidelines
Wholesale Focus & Delivery
• Isolate and target key / valued Clients
• Utilize focus groups / committees to acquire feedback
on various products, services, and corporate initiatives
• Establish Wholesale brand and competitive advantage
• Deliver “laser focused” value proposition and execute
flawlessly
Business Development: Product & Process Innovation
• Continue to develop products unique to the industry -
Isolate purchase transaction opportunities
• Implement rapid prototype deployment of new
products
• Evaluate innovative opportunities that are unique to
Icon Residential
• Develop process for prioritizing that meets
predetermined credit packaging requirements
• Deploy LOS - Mortgage Cadence in an accurate and
timely manner
Organizational Development
• Hiring right from the start - evaluate, recruit, retain and
promote the best professionals in the industry
• Provide training and certification programs in
leadership, corporate / sales management and
operations functions
• Develop and implement process to ensure ongoing
alignment of compensation plans with company
strategies
2301 Campus Drive, Suite 100, Irvine CA 92612 888.202.0878 P www.iconwholesale.com
o r G A n i Z At i o n c h A r t
RHETT
HUBBARD
SOUTHWEST
ASM
ASM
TBD
ASM
SEAN
FINN
MIDWEST
ASM
JAMES
MATARAZZO
SOUTHEAST
ASM
JULIE
ENGEL
NORTHWEST
ASM
ASM
TBD
ASM
RSM EAST
TBD
MANAGER,
EASTERN REGION
RSM WEST
TBD
MANAGER,
WESTERN REGION
RJ
ARNETT
EXECUTIVE VICE PRES.,
NATIONALPRODUCTION
LOCK
DESK TBD
MANAGER
CRAIG
PARK
COMPLIANCE
CHARLES
DILLMAN
CHEIF APPRAISER
LONNA
SMITH
PRODUCT
ADMINISTRATION
JUDY
MCFARLAND
INTERNAL AUDIT
CHRISTINA
MACDONELL
TREASURY
ELISA
ALLEN
DIRECTOR, L&D
KIM
KUTAS
SUPERVISOR,
PAYROLL
JADE
CASTELLANOS
RECRUITING
SHIRIN
SHARIFIMINOO
ACCOUNTING,
SERVICING,
ANALYSIS
DON
DANIELS
ACCOUNTING,
FINANCES
SIR
RODEHEAVER
MARKETING & BUSINESS
DEVELOPMENT
JEFF
LISINICCHIA
CHIEF FINANCIAL
OFFICER
EIRANN
MITTELSTEADT
VICE PRESIDENT,
SECONDARY MARKETING
KEVIN
GILLESPIE
CHIEF CREDIT OFFICER
TONI
FARROW
CHIEF ADMINISTRATIVE
OFFICER
GRAHAM
FLEMING
PRESIDENT, ADMIN.
JEANNE
STAFFORD
SUPERVISOR,
POST CLOSING
MARY
ROSE
QUALITY CONTROL
ADMINISTRATION
OPERATIONS
PRODUCTION
INFO.TECH.
KAREN
GENNEKEN
CHIEF OPERATIONS
OFFICER
SVC MGR
TBD
MANAGER
JASON
DITOMMASO
MANAGER,
HELP DESK
SUE
ANTHONY
SENIOR VP,
SERVICE MANAGEMENT
ANDY
POLLOCK
CEO
EXECUTIVE TEAM
SENIOR MANAGEMENT TEAM
MANAGEMENT TEAM
LYNNE
KIELTY
MANAGER,
OPERATIONS
LIZ
BRANDON
MANAGER,
LOAN SETUP
CHRIS
MERRITT
MANAGER,
INFRASTRUCTURE/FACILITIES
CRAIG
PARK
MANAGER,
COMPLIANCE
2301 Campus Drive, Suite 100, Irvine CA 92612 888.202.0878 P www.iconwholesale.com
L . A N D R E W P O L L O C K
c h i e f e x e c u t i v e o f f i c e r
r e S u M e
Executive Profile
Strategically astute executive with over 25 years of successful financial services experience. Noted for consistently
outstanding contributions as a senior member of the corporate management team, including areas such as revenue
growth, profitability, risk management, infrastructure and process improvement, and high-performance team leadership.
Frequently develop and execute initiatives that strengthen competitive positioning and customer relationship management
under challenging industry conditions.
Key Technical / Business Skills
Professional Experience
2012 - Present
Icon Residential Lenders, A Division of Carnegie Mortgage, LLC, Irvine CA
Chief Executive Officer
As the Chief Executive Officer of ICON Residential Lenders, the responsibilities cover the full spectrum of a wholesale
mortgage banking firm. Priorities are focused on the organic growth of the sales force in targeted geographic localities.
Taking the necessary steps to ensure a campaign of fiscal responsibility, and that the levers of profitability are maximized.
Confirm all related compliance requirements with all Bank and Investor covenants. Build out an executive team and
establish proven management disciplines. Outlined a 2013 strategy and business plan that will improve performance over
the previous year. Ensure that the sales force and operational management are focused on the priorities that will drive a
compelling competitive advantage. Priorities for 2013 are as follows:
• Galvanize the wholesale Account Executive sales force.
• Build improved momentum within the mortgage pipeline.
• Alleviate any origination fulfillment backlogs.
• Complete the installation of Mortgage Cadence.
• Rollout a performance management program for the workforce.
2011-2012
First California Mortgage Corporation, Petaluma CA
President & Chief Administrative Officer
Assumed the senior executive capacity of a financially mismanaged mortgage banking firm that was dramatically
unprofitable. Post execution of a turnaround plan, achieved profitability within 60 days as the President & CAO. Confirmed
• Mortgage Originations
• Asset Quality / Loss Mitigation
• Secondary Marketing
• Change Management
• Portfolio Management
• Operations Management
• Program / Project Management
• New Product Introduction
• Operational Governance
• Loan Servicing Administration
• Regulatory Risk Management
• Mergers & Acquisitions
• Process Improvement
• Financial / Budget Management
• Strategy / Corporate Planning
38. D. Minimum submission time frame requirement
1. Accounts must submit a loan every 90 days or it may be moved by the ASM. If the account in question is from another ASM’s region the
account goes back to that region.
2. Once an account is moved from the field to inside sales they have 60 days to submit loans or the file will be inactivated.
3. Any account not submitting a loan during a 6 month time frame will be deactivated.
4. Once an account is inactivated it belongs to the ASM’s in which the broker resides.
E. Tampering with Accounts
1. Tampering with accounts will not be tolerated.
2. Solicitation of a letter from the broker will not be taken into consideration on account alignment.
3. Tampering with an account is grounds for disciplinary action, up to and including, termination.
***ASM to set minimum standards (units, volume, customers) as per their region goals.
Sales and Accounts Rules of Engagement
A. Broker Management/Approval Process
1. All brokers must have a broker profile completed by the Account Executive and reviewed with their ASM prior to sending a broker appli-
cation to the broker to ensure they are the correct target customer for Icon.
2. Number of approved brokers per AE will be the ASM’s discretion, a managable level to be a maximum of 100 for Outside and Inside AE’s.
3. Minimum broker activity / participation (submissions and/or fundings) is 25% of AE’s approved broker list. Failure to hit that number may
result in the loss of brokers for that AE and exceeding the 25% may result in the awarding of additional approved brokers.
4. ASM may remove a broker from an AE if there is no submissions and/or fundings within the last 90 days.
B. Region of Ownership
1. ASM’s have designated territories and can only solicit brokers within their assigned territories. If an AE wants to sign up an broker rela-
tionship outside of their ASM’s region, they must obtain approval from their ASM as well as the ASM whose territory the broker resides.
2. ASM’s have full authority to manage the brokers within their region and disseminate the approved brokers to the AE’s on his or her team
as they deem necessary.
C. Inside Sales
1. Inside Sales may solicit inactive or unapproved brokers within their ASM’s respective region. A Broker Profile must be completed and
approved by their ASM prior to sending a broker application to the respective broker.
2. A broker profile must be completed and reviewed by the ASM prior to sending a broker application to any broker to determine if the broker
is the right fit for Icon.
Sales and Accounts Rules of Engagement
Sales and Accounts Rules of Engagement
39. These labels were for paint
cans that were filled with
candy and delivered to our
brokers personally.
45. Say goodbye to the shake, rattle and roll of your hitch and hello to the
quiet solution for hitch noise! Introducing Tow Tamer’s Tow Hitch Silencer
-- this patent pending design and secured bolt device eliminates
annoying rattle that’s all too common to towing. The Tow Hitch Silencer
curbs those annoying clanking and clattering sounds you hear while
hauling your boat, trailer, PWC, or RV Toy Hauler and minimizes abrupt
movement on your drive train.
4 Rating 10,000 / 1,000 lbs.
Not intended for trailers over 10,000 lbs gross weight
PROUDLY MADE IN THE U.S.A.
Venture Pacific Tools,Inc. Represented by Danlin & Associates,LLC. A California Company.1 24002 74134 8
A PRODUCT OF
TOW
TOW HITCHTOW HITCHTOW HITCH
SILENCERSILENCER
KILLTHENOISE!KILLTHENOISE!
HUSH THAT HITCH!HUSH THAT HITCH!
PROUDLY MADE
IN THE U.S.A.
HUSH THAT HITCH!HUSH THAT HITCH!
HUSH THAT HITCH!HUSH THAT HITCH!
KILLTHENOISE!KILLTHENOISE!
TOW HITCHTOW HITCHTOW HITCH
TOW
A PRODUCT OF
SILENCERSILENCER
The above piece is the original artwork. After my client met with their client, Pep Boys Auto Parts, the
final artwork below was decided on.
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48. Rods, Rides & Racers
CRUZIN4WISHES.NET
SIGN UP NOW!
EVENT DATE: OCT 18, 2008
Show open to all: Bikes, Show Cars, Exotics, Street Rods, Trucks, Muscle Cars and Classics
Benefiting Habitat for Humanity of OC Homes for Heroes and Foundations for Families
