ANGELA S. YARBROUGH ay15cde5c@westpost.

net Permanent Address: 719 Grafton Ave, Dayton, OH 45406 Address: 1004 Brookley Ave, Warner Robins, GA 31098 (937) 270-1482 CAREER OBJECTIVE________________________________________ Desiring a challenging and rewarding Senior-Level Financial Administration / Bus iness Support role within a dynamic and successfully progressive organization wh ere a solid background in Financial Services, Consulting, Business Development, Sales and Business to Business Relations experience can be contributed toward ac tively supporting the optimization of an operation's overall performance. ________________________________________ CORE COMPETENCIES: *18 + years Sales and Customer Service Expertise *18 + years Financial and Mortgage Consulting *4 years Tax Preparation and Consulting Experience with Jackson Hewitt & H&R Bl ock *Solid educational background in Real Estate, Finance and Business Administratio n *Solid background in Retail Banking , Mortgage Lending , Processing and Underwri ting EMPLOYMENT HISTORY JACKSON HEWITT, GEORGIA 1/2011- 4/2011 *Assigned the responsibilities of reviewing financial records and making adjustm ents, deductions and credits for clients to insure accuracy of income tax return s and financial records. YARBROUGH CONSULTING, OHIO 1/2010 to Present Consultant *Assigned the responsibilities of reviewing financial records and making adjustm ents, deductions and credits for clients to insure accuracy of income tax return s and financial records. Provides small business bookkeeping and mortgage cons ulting services for clients within the community. WRIGHT PATT CREDIT UNION, OHIO Officer 5/2006 to 11/2009 Community Development Loan

*Responsible for business development for mortgage division resulting in creatin g business relationships with Citywide Development, Homeownership Center of Grea ter Dayton, Dayton Metropolitan Housing and Dayton Urban League. *Increased low to moderate income lending for Wright Patt Credit Union by 50% in 2008 by implementing the "My Community" Mortgage Program in conjunction with Fa nnie Mae. *Featured in Emerging Markets/Prime Alliance News Articles for Business Developm ent Wright Patt Credit Union- 2008. *Received Honorable Mention for The Prime Alliance Emerging Market Award receive d by Wright Patt- in 2008. * Assisted in development and implementation of the "My Community" mortgage home loan and rehab loan product for lender- 2008. *Negotiated and implemented loan refinance options for customers in partnership with nonprofit agencies for homebuyers in foreclosure. *Responsible for review and approval of credit and underwriting guidelines for m ortgage loan applicants Including: researching grant and down payment assistance programs and resources

in conjunction with HUD, Fannie Mae and nonprofit agency housing programs and t raining of staff in new programs. FIFTH THIRD BANK, OHIO 11/2003 to 5/2006 Private Banking Senior Mortgage Loan Officer *Honored with Top Producer Sales Award Fifth Third Bank 2003-2004. *Recipient of Dayton Mortgage Bankers Top Sales Award 2004. *Created and maintained business development opportunities with clients, lender partners, realtors and appraisers in conjunction with performing originating, pr ocessing, closing processes and refinancing options for Private Banking and CRA mortgage clients. H&R BLOCK, OHIO ant 10/2000- 4/2003 Tax Consult

*Consulted with H&R Block Clients regarding tax information, as well as accurate ly preparing personal and small business tax returns including amendments as nec essary for current tax season. PROVIDENT BANK, OHIO 2/1999 to 11/2003 CRA Mortgage Loan Officer

*Conducted valuable educational and/or related assistance with mortgage credit c ounseling. Served as a proactive liaison with realtors, non-profit agencies, de velopers, title companies. Worked in partnership with local non- profit, Urban H ousing and community organizations as a financial advisor and mortgage specialis t. *Responsible for review and approval of credit and underwriting guidelines for m ortgage loan applicants Including: researching grant and down payment assistance programs and resources in conjunction with HUD, Fannie Mae and non- profit agency programs. CITYWIDE DEVELOPMENT, OHIO ervisor 2/1996 to 11/ 1997 Housing Officer / Contractor Sup

*Conducted valuable educational and/or related assistance with mortgage and cred it counseling. *Credit counselor for low to moderate income potential homebuyers. Assisting in credit repair, budgeting and homeownership preparation. *Certified Lead-Based Contractor / Supervisor 1997. *Supervised lead abatement contractors for Citywide Development lead projects as suring EPA, OSHA and lead based paint compliance requirements were met. *Lead consultant and liaison with contractors and Montgomery County Community De velopment Division to assess lead abatement issues for properties within the cou nty. Prepared lead project specifications, reviewed and assessed contract propo sals and submitted to housing board for approval. HUNTINGTON BANK, OHIO 1/1995 TO 2/1996 Floating Personal Banker, Assistant Manager *Assisted Managers in identifying sales opportunities for the branch increasing sales goals. *Increased business through networking and building relationships with internal and external clients. *Maximized customer satisfaction with quality service to new and existing custom ers. *Performed consumer loan underwriting and approval functions. *Acting manager as needed in several banking locations.

EDUCATION Master's Degree- Business Administration University of Phoenix- Ohio- 2009 Wilberforc Sincl

Bachelor of Arts Degree - Organizational Management e University - Ohio - 2008 Associate Degree- Finance/Real Estate /Diploma air Community College - Ohio- 1995-1998