Ability to develop and implement goals, objectives, policies, procedures, work standards, and internal controls for the company.

Provide administrative and professional leadership and direction for the department. Prepare and administer complex budgets in order to allocate resources in the most cost effective manner.

Plan, organize, direct, and coordinate the scope of all projects and personnel.

Ability to motivate, select, train, and evaluate the work of staff.

Proficient in performing and preparing financial or credit analyses
Knowledge of a wide variety of collateral, business types, loan programs, cash flow analysis, and general economic analysis in order to determine the economic effect of macroeconomic fluctuations.
Experience with Microsoft Office suite software skills
Ability to analyze tax returns, income (profit and loss) statements, schedules of liabilities and balance sheets for individuals or businesses
Skilled negotiator, strong interpersonal/influencing skills, ability to work under pressure


TJRF ASSOCIATES LLC, Sacramento, CA Feb 2010- current
Project Manager
Oversee management of residential and multi-family projects directed towards maximizing annual profits and achieving annual cost savings objectives.
Develop strategies and partners with management to ensure integration of changes into operations to enhance cross-functional collaboration and alignment.
Prepare and present new investment opportunities, cash flow analysis and market research.
Conduct due diligence and contract negotiations between new hires and third parties

U.S Small Business Administration, Citrus Heights, CA Dec 2012- May 2013
Loan Officer/GS-9
Perform economic analysis for Business Physical and Economic Injury Disaster Loans for Hurricane Sandy victims including review of loan applications, underwriting, analysis of financial documents, considering assets, liabilities, capital, business projections, cash flow, prospective earnings, and repayment ability
Determine the effect of the macroeconomic fluctuations and variable expenses related to disaster to determine working capital needs
Contact applicants to present loan analysis summarizing loan request, eligibility, business history, credit, and repayment.
*This was a contract position.

National Career Education, Rancho Cordova, CA Apr 2008- Feb 2010
Senior Admissions Representative
Responsible for assisting the Director of Admissions with managing the admissions department
Schedule campus visits to orient prospective students and their parents about academic programs
Develop documentation for student enrollment and operational organization
Assist students with career advisement
* Company restructured due to the economy causing a massive layoff through the company

JP Morgan Chase, Roseville, CA Apr 2007-Jan 2008
Sales Manager
Responsible for supervising a team of 8-12 loan officers tasked with originating sub-prime mortgage sales, marketing, preparing pricing, underwriting loan processing for home purchases, refinances, and new home construction.
Ongoing responsibilities including business planning, upper management reporting, budget preparation, employee evaluations, which directly impacted day to day operations.
Review and analyze comprehensive financial analysis determining approval or denial of loan applications.
* Company closed the subprime division due to the economy causing massive layoffs.

Aegis Lending Corporation, Sacramento, CA May 2006-Mar 2007
Team Lead
Directed a multi-disciplined team with a primary responsibility for revenue generation.
Originated and closed residential mortgage loans for a company specializing in the sub-prime market.
Strategically assisted in preparing daily task, and setting daily commitments for sales staff.
* Company filed bankruptcy causing massive layoffs.

Ameriquest Mortgage, Stockton, CA Dec 2004- May 2006
Senior Loan Officer
Responsible for representing AMC / TCC potential clients with home refinancing options.
Continuously establish and maintain a network of clients through extensive interaction and outstanding communication with comprehensive presentation and sales meetings.
Generate leads and prospects by cold calling and attending various community events which resulted in increased sales.
* Company filed bankruptcy causing massive layoffs.

Wells Fargo Bank, Sacramento and San Diego, CA Aug 2001 –Dec 2004 Personal Banker
Execute numerous sales and business development strategies while expanding profits
Establish and maintain a network of clients as a result of strong communication skills by providing excellent customer service
Assisted with preparing work schedules, training new employees, and managed the branch in absence of the manager.
Balanced ATM, vault, teller drawers, check orders, money orders, prepared daily cash, conducted teller audits, to ensure regulatory and procedural compliance
Analyzed branch production forecast and evaluated employee productivity
Learned how to prospect, hire and fire employees


Bachelor of Arts and Sciences (Economics), San Diego State University, San Diego, CAxxx-xxx-xxxx

Community Engagement

Spare Time Inc., (Natomas Racquet Club), Sacramento, CA 2003-current

* I coach and mentor kids in basketball and develop their physical and mental skills throughout the year.

Last Resume Update October 23, 2014
Address United States of America
E-mail lock Locked
Phone Number lock Locked
Resume File CharlesThomas2014PM.doc 61 kB
Spanish Speaking? No
Willing to Relocate? No

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