Michael A. Forman 197 North Main Street, New City, NY 10956 ● T. 845.323.4612 ● F. 201.591.9161

To Whom It May Concern: With 10 years of financial experience in the Banking Industry I direct and manage the sales activities of the branch, building it from two loan officers to fifteen, ensuring that efficient customer service is provided and quality loans are generated. I coordinate and create corporate presentations for all personnel as well as originate, Residential Mortgage, Conforming, Non-Conforming, FHA/VA, Commercial and Reverse Mortgages I have extensive experience in the Technical and Marketing fields and hold degrees in Digital Electronics and Criminal Justice. As a certified Systems Engineer from Apple Computer, I was certified in design, development and troubleshooting of LAN and WAN networks, utilizing both the PC and Macintosh environments. As a Desert Storm veteran, I have served as a Law Enforcement Flight Chief and certified instructor for the Air Force managing the day to day operations for about eleven police officers. My extensive military experience has provided me with the necessary tools to lead and manage others successfully. Please feel free to contact me with any questions or if references are needed. Thank you for your time.

Michael Michael A. Forman

Michael A. Forman 197 North Main Street, New City, NY 10956 ● T. 845.323.4612 ● F. 201.591.9161 Qualification Summary: High-powered, enthusiastic, and seasoned management executive equipped with Sales, Marketing, and Business Development experience. I possess outstanding reputation in extremely productive and motivated teams while utilizing out-of-the-box approaches directing company toward fulfillment of its vision to success. Shows keen expertise in formulating and implementing innovative marketing strategies and plans to increase sales and expand customer base. Accustomed to working and relating to customers to address their needs and provide utmost satisfaction.

Experience: 2010 – Present

Synergy Networking Group, New City, NY & Montvale, NJ, Owner & Facilitator • Synergy Networking Group is a business networking group devoted to helping its members promote

and improve their businesses. Our group is professional, but fun with a mission to grow our businesses, and provide the best products and services.

• Networking provides maximization of a small business owners’ time and advertising resources. 2014 – 2015

Fortress Title, Director Sales & Marketing

• Develop and manage the branch and individual sales processes to include sales skills proficiency and product knowledge.

• People management • Marketing, on/off-line. New media, Social Media • Sales channel development • Project Management (hardware, software and design) • Strategy, New Business Plan

2010 – Present

NJ Lenders, Corp. / The Forman Team, Branch Sales Manager

• Develop and manage the branch of fifteen loan officers and nine support staff with individual sales processes to include sales skills proficiency and product knowledge.

• Developed and made presentations from three people to fifty.

• Ability to effectively present information in one-on-one and small group situations.

• Propose, develop, and implement marketing plans specific to mortgage programs.

• Loan Officer Duties include but are not limited to origination, processing, client contact Conventional, Jumbo, Reverse, FHA, VA, 203k, USDA Licensed in NY, NJ and FL

2007 – 2010 Empire Equity Group/1st Metropolitan Mortgage, Branch Sales Manager

• Developed and managed the branch and individual sales processes to include sales skills proficiency and product knowledge.

• Effectively presented information in one-on-one and small group situations.

• Proposed, developed, and implemented marketing plans specific to mortgage programs.

• Responsible for product promotion and presentations to large and small groups

• Loan Officer Duties

Michael A. Forman 197 North Main Street, New City, NY 10956 ● T. 845.323.4612 ● F. 201.591.9161 2005 – 2007 Empire Equity Group/1st Metropolitan Mortgage, Loan Officer

• Utilized interpersonal and communication skills to generate referral business, leads, and relationships with individuals, existing clients, past clients, and Real Estate Professionals.

• Completed loan applications; analyzed and prequalify applicant information to determine viability of the client's desired loan program.

• Pulled and analyzed credit, and compared for accuracy with the mortgage borrower's statements.

• Corrected inaccuracies and determined the correct loan options for the borrower based upon the applicant's present situation, future plans, and preferred loan product.

• Provided guidance and information relevant to the risks and benefits of each program the applicant is qualified for; effectively explained and communicated the terms of each product and ensure all documents necessary are signed by the borrower.

• Gathered all initial documentation required based upon the applicant's selected loan program and the application including all disclosure requirements.

2003 - 2005 Maria’s Pizza & Pasta, Suffern, Partner

• Day to day operations of Pizza/Restaurant

• 15 Employees (payroll, hours etc)

• Customer Care 1991 – 2005 Design 21 Corporate Communications, Suffern, NY, President

• Designed and developed advertising and marketing for corporate clients

• Corporate consultation for design and development of LAN and WAN’s utilizing both the Mac and PC platforms

• Oversaw design and implementation of Interactive Kiosks

• Oversaw day to day operations

• Contracted negotiations with vendors and sub-contractors

• Troubleshoot system hardware and software

• Web design and development 1988 - 1991 Computer Outlet, New City, NY, Apple Computer Systems Engineer

• Designed and developed LAN and WAN’s utilizing both the Mac & PC platforms

• Instructed basic and expert courses in Macintosh computers

• Troubleshoot Mac and PC Networks

Michael A. Forman 197 North Main Street, New City, NY 10956 ● T. 845.323.4612 ● F. 201.591.9161 Military: 1991 United States Air Force, Security Police, Minot AFB, ND Veteran - Desert Storm - Security Police - Law Enforcement Flight Chief • Received accommodation from the Commanding General for

performance above and beyond the call of duty

1985 - 1991 United States Air Force / New Jersey Air National Guard, McGuire AFB, NJ Security Police - Law Enforcement Flight Chief

1983 - 1985 United States Air Force, Security Police, Langley AFB, VA Security Police Desk Sergeant / Patrolman

Education: May 1989 DeVRY Technical Institute, NJ/IL • 3.5 GPA

June 1986 Community College of the Air Force • 3.75 GPA Affiliations: Montvale Chamber of Commerce , New City Chamber of Commerce, New City Little League Board of Directors, Leadership Rockland Class of 2010, RSVP Advisory Counsel.