Courtney B. Sapin, M.A.
Recognized • Accomplished • Professional
CM Broker, San Diego, CA. Since 2007
§ San Diego Mortgage Broker of the Year - 2016
§ $151 million Closed Originations San Diego County
§ Commercial Loan Average Dollar Amount $1.43 Million
§ Development Loans – Business Plans - New Construction – Tenant Improvements
§ California Residents & Non-Residents – Foreign Nationals
§ PNC Bank, US Bank, Chase, Union Bank, and California Bank & Trusts
Expert in SBA lending and commercial loans, commercial real estate underwriting providing client in small business start-up / growth, and short- / long-term planning solutions. Review tax returns and financial statements and assist with loan workouts, collateral substitutions, and assets liquidation decision-making. Conduct financial reviews from payables to inventory and sales.
Banner Bank, San Diego, CA (2016 – 2017)
Strategically steered lucrative new business development while expanding a client base for a new-to-market lender, including expertly analyzing financial information to make sound credit recommendations for comprehensive commercial, developer, and / or new residential home loans.
§ Offered loans for clients in San Diego County with originations of $9 million.
§ Performed risk analysis and reviewed loans using financials, taxes, and statements.
US Bank, San Diego, CA (2014 – 2016)
Branch Manager ￨ Loan Officer – Residential Loans
Spearheaded profit-generating operations to close 2-3 loans monthly with total volume of $18 million in 2012. Led all grocery store branch locations across South and East San Diego County. Directed monthly in-store calls at 6 locations. Developed sales and new clients via traditional channels of communication.
§ Established $6.5 million in a residential pipeline in the first 90 days.
§ Outperformed expectations and increased customer and branch satisfaction.
§ Developed “Realtor Day” for 6 US Bank banking centers in San Diego County.
§ Noted as the “go-to” expert on investment properties and self-employed borrower types.
Land Home Financial Services, San Diego, CA (2014 – 2016)
Maximized bottom-line performance by driving high-volume sales, new business development, and operations for this fast-paced location. Recruited, trained, mentored, and managed a service-oriented team.
§ Led all coaching, development, and team motivation for the high-producing branch.
Bank of Commerce Mortgage, San Diego, CA (2013 – 2014)
Senior Loan Originator
Developed business plans to support realtors in profitably branding themselves for increased exposure. Trained realtor partners on how to locate prospects, develop business, and pre-qualify and close all loans.
§ Generated consistent 100% client satisfaction results with a reputation for on-time closings.
§ Achieved a 95% ratio of purchase-to-refinance volume in 120 days with 2-3 closing monthly.
Crest Lending Group, Inc., San Diego, CA (2005 – 2007)
Director of Commercial Lending
Applied strong leadership talents toward directing all commercial lending for diverse residential mortgages across 4 San Diego locations (i.e. Escondido, Oceanside, Carmel Mountain Ranch, South Bay).
§ Built a successful team and referral base of real estate professionals and clients.
Courtney B. Sapin ￨ Page Three ￨ (858) 231-4737
Professional Synopsis (continued)
Oahu Restaurant Supply, Kailua-Kona, HI (2002 – 2005)
Profitably developed a large-scale territory for an off island-based equipment and supplies distributor, including establishing new client accounts ranging from 5-star hotels and resorts to local restaurants. Built beneficial relationships via cold calls and penetrated accounts for the sale of wide-ranging items.
§ Increased operational sales from $10,000 to $450,000 annually in less than 3 years.
§ Reduced transportation costs and decreased lead times for easier flow to the Big Island.
Healthline Products, Los Angeles, CA (1990 – 2001)
Owner ￨ Operator
Led the start-up and successful operations of this growth-centric clothing and textiles manufacturing and food and food service distribution business, including recruiting, training, and managing a 22-member team and overseeing 55 manufacturer representatives. Handled accounting, services, and warehousing.
§ Generated $3.5 million in annual sales with a dedication to quality.
§ Pioneered inventory-driven textile sales for Sysco and US Foodservices.
§ Developed sales / marketing materials and 200+ new products for sales to distributors.
§ Increased new accounts and sales by training 5,000 dealer salespeople in non-food techniques.
Master of Arts in Organizational Management
University of Oregon
Bachelor of Science in Journalism
State of California
Real Estate Broker (DRE No. 01483106)
State of California
Tax Education Council (No. A-170136)
National Mortgage License System (No. 881666) ￨ Federal Tax Specialist (ID No. P0955087)
Microsoft Office (Word, Excel, PowerPoint, Outlook) ￨ Microsoft Publisher
Intuit QuickBooks ￨ Great Plains Accounting ￨ Turbo Tax ￨ Blockworks ￨ Lacerte ￨ GoDaddy
Process optimization – Introduction and interview clients to understand strategy and current needs including financial objectives. From initial appointment through to closing on-going discussion, analysis, and completion of objectives as inspections, documents, updates and approvals are acquired. Fulfill obligations of broker with pre underwriting of proposed loan amounts, terms, rates and variable costs. Choose available sources of debt collateral and process with real estate or other securitized collateral to prospective lenders from traditional sources to non-traditional resources including equity, venture capital, hedge funds. SBA loans allowing for use such as accounts payables, factoring and working capital plus EXIM Bank export loan experience.
§ Conduct investigative analysis and forecast revenues using key trends.
§ Offer talent with risk-reward returns, value concept, ROI, and risk assessments.
§ Contribute proven expertise in commercial finance forms, compliance, and best practices.
§ Commercial Underwriting Finance Expert DSCR, Ratio Analysis, Appraisal Review.
Direct client facing responsibility at forward-thinking establishment providing real estate finance consulting for family housing; including acquisition and development. Proven expertise providing developers and investors with information about LIHTC, local entitlement, and strategic planning for development of commercial real estate. Direct efforts to deliver high quality research and advice for new or established enterprises such as real estate investment firms, private investors and business owners. Driver of planning for energetic and synergistic organizational development.