Michael Ayoub
LIMITED APPRAISER, REAL ESTATE BROKER, BUSINESS DEVELOPMENT, ANALYST, AND OPERATIONS MANAGEMENT EXECUTIVE
Clinton Township, MI 48038
michaelayoub@yahoo.com
+1 (586) 405 4111
Experienced professional with proven success as a analyst, sales, and management in real estate, appraisal, financial services and banking environments. Strong ability to build and lead teams that meet and exceed established goals and expectations. Demonstrated skills in developing and executing processes and policies that increase revenues. Expertise in creating and implementing strategic plans that address business needs. Extensive background in working with internal and external customers, vendors, staff, and leadership at all levels.
Work Experience
Limited Appraiser
Appraiz-it, LLC – West Bloomfield Township, MI
November 2021 to Present
-Receive and accept assignments, quickly schedule inspection, conduct accurate site inspections, and fully prepare appraisal reports.
-Conduct various real estate appraisal assignments as assigned by company.
-Conduct real estate market research as appropriate for each assignment.
-Reviewed, evaluated, and determined real estate value opinion.
-Collaborate with supervisor on the improvement of appraisal methods.
-Communicate and work closely with property owners, realtors, and other industry professionals.
-Maintain up-to-date knowledge of current laws and regulations, maintained documents and records, produced detailed appraisal reports, and presented results to supervisor.
-Track current real estate values and trends.
-Participated in educational opportunities, including appraisal continuing education courses and professional publications.
Principal Listing Specialist / State Broker
Household Real Estate – Shelby Charter Township, MI
January 2019 to Present
-Present to potential clients listing products and services.
-Negotiate, facilitate and manage real estate transactions.
-Maintain connections between clients for future business opportunities.
-Completed market analysis for clients to help them determine the market value of their homes.
Credit and Compliance Analyst Management
Cranbrook Loans – Clinton Township, MI
January 2001 to Present
Served as high performance, strategic sales manager/leader. Supervised multiple divisions including 60 sales people. Constructed, deployed, and administered technology platform. Handled business-to-consumer sales, sales management and business-to-business sales including realtor/financial planner referral marketing and vehicle dealership. Devised and used proprietary call center software and CRM to oversee call center to create new business. Agency Management of Affiliated Independent Property and Casualty Insurance Agency. Oversee performance of sales managers and channel partners. Communicate and counsel other department leads on department financials. Secure sales reports, produce and deploy action plans for leadership action. Review and maximum return on marketing investment. Investigate and prepare key business analytics. Provide approvable key account strategic growth plans. Create and maintain relationships with marketing and channel partners.
-Evaluate credit quality on loans, make recommendations to mitigate risk including conditioning borrowers for additional information or declining files.
-Supervise all divisions in the warehouse lending department.
-Manage regulatory compliance and audits in multiple states.
-Consistently ranked as a top producer and sales manager.
-Originated up to $200M in a variety of loan products to a diverse array of customers.
-Led company with $2 million in new sales activity.
-Improved company and district operations and procedures significantly increasing performance.
-Led company to win designation of Future 50 Company and profiled In Detroit Hour Magazine.Successfully improve sales by 15% annually.
-Prepare monthly marketing tactics to help sales managers lead teams.
-Negotiated and administered staff benefits including salaries, health and life insurance, 401K plans, and workers’ compensation.
-Oversaw monthly trial balances and resulting financial documents including Income statements, balance sheets, and statements of change in financial conditions plus required supporting schedules and additional information.
Regional Manager, National Sales Trainer
Citi – Baltimore, MD
1997 to 2001
Championed operations and sales management for three states, two regions, seven districts, 60 branches and 300 employees. Ensured that the operational infrastructure was based upon sound control environment and was properly aligned to support regulatory standards.
-Directed the National Real Estate Loan Sales Division establishing performance measures in regard to due diligence and administration of appropriate risk management standards.
-Devised and deployed new marketing strategies to solidify the corporate footprint and assist in expanding brand into lateral markets.
-Standardized operational controls across divisions to ensure alignment with overall organizational mission and vision.
-Conducted and facilitated National Seminars for Citi employees including “train the trainer” sessions and direct training for Branch and District managers on sales strategies.
Education
Bachelors of Science in Business Administration, Minor Accounting, Minor Finance
University Of Phoenix – Southfield, MI
1992 to 1997
Business Administration
Oakland University – Rochester, NY
1993 to 1995