Raymond Smith NMLS #: 342794

Senior Loan Officer

Email Address: rsmith@ChoiceMortgageBankInc.com
Agent NMLS#: 342794
Work Phone: 561-362-8441 x 211
Cell Phone: 954-501-1949
Fax: 561-362-8820

NMLS #342794
Florida: MB#100002308
Real Estate Brokers # 3236683
Alternate E-Mail: Ray@choicemtgbankers.com

A Licensed Mortgage Lender

Driven Sales Professional who enjoys building consultative, long-term client relationships, a proven “closer”. Welcome objections as opportunity to share product knowledge and expertise. Generate top-quality results by demonstrating superior product knowledge and integrity. Resourceful when faced with obstacles and adaptable to sales situations. Persuasive negotiator.

Professional Experience

Consolidated Lenders Group, Inc., San Diego, CA President/CEO/Owner

Administered and directed all aspects of local San Diego mortgage lending firm.

Three Coin’s Realty, Pacific Beach, CA   President/CEO/Owner

Represented clients in sales/leasing of residential and commercial real estate.

Sand Ray LLP, Pacific Beach, CA President/CEO/Partner

Focused on residential and commercial real estate services in sales, leasing, exclusive representation property management, and consulting. 

Raymond Smith, New Jersey, California Real Estate Appraiser/Owner

  • Appraised all types of real estate including: residential development, hotel/motel, strip centers, condo conversions, and use property
  •  American Institute of Real Estate Appraisers (A.I.R.E.A.) ▪ RM and MAI Candidate

Pacific Commerce Bank, Chula Vista, CA    Senior Loan Officer

  • Managed portfolio of FHA Title 1 loans along with all residential needs for existing commercial depositors and clients. Handled business/commercial lines of credit; also focused on SBA lending
  • Personally interviewed applicants; analyzing credit information; and closing various types of residential mortgage loans including FHA/VA 

Highly accomplished professional with proven track record in Sales, Lending, Leasing, Marketing, and Real Estate. Track record as a Business Owner, Loan Officer, On-site Sales agent. Hiring/training loan processors, loan originators, and real estate agents. Ability and knowledge of assessing value and cash flow for residential and all income producing properties/real estate. Demonstrated experience launching and implementing deals and negotiating contracts. Experienced facilitator of real estate sales process from beginning to end.