Russell F.

Spikes
430 Yellow Springs South
Laurel, MD 20724
(301) 776-1009
rsfdc6e2@westpost.net
Employment
Nov 2009 to December 31, 2010 1st National Management / 1st Financial Inc.
Operations Manager
Duties include, but not limited to:
Assure that all licensing and regulatory authority requirements are up-to-date
Administer the company Quality Control program including coordination with outs
ide vendor/auditors and report to Management necessary policy revisions and/or t
raining
Participate in the preparation of responses to all Quality Control and/or Regul
atory audits
Assure that all Personnel and Payroll records are up-to-date Prepare and submit
payroll, including commissions,(ADP EasyPayNet) and record in QuickBooks accord
ing to company payroll schedule
Administer all
company benefits including 401k and health plans
Reconcile and process 401k activities including annual 401k census
Set-up new employees with User IDas, passwords, email accounts, etc. for all sy
stems necessary for proper job functions Work closely with the President
and other Senior Staff on a daily basis to affect the smooth, efficient and pro
fitable running of all companies
Develop and maintain all company policies and procedures in coordination with S
enior Staff and Management
Maintain all company bank accounts and reconcile on a monthly basis
Assist in maintaining accounts payable
Prepare workmanas compensation annual reconciliation Process all new and renewa
l licensing applications including corporate office, any branch offices, and all
required personnel
Prepare and process all annual reports, volume reports, assessments for all lic
ensing authorities
Coordinate all continuing education with various regulatory authorities and mai
ntain all records
Maintain all company contracts and working agreements
Apply for and maintain all required Fidelity and Surety Bonds
Apply for and maintain all required Errors & Omissions insurance
Licensed Resident Producer (Title) through the Maryland Insurance Administratio
n
Programs used: Microsoft Word, Excel, PowerPoint, QuickBooks, ADP EasyPayNet
2002 to Nov. 2009 AmeriFund Mortgage Services, LLC / Chesapeake Mortgage Consul
tants, Inc., Laurel/Crofton, MD
Comptroller & Assistant to the President, AmeriFund Mortgage
Responsibilities included:
producing a daily rate sheet for our loan originators, this includes continual
monitoring of the Mortgage-Backed Securities market and updating the daily rate
sheets as necessary;
assisting loan originators with the pricing of their particular scenarios and d
irecting them to the best investor for their borrowers circumstances;
being the primary contact for each investor as they interact with AmeriFund Mor
tgage and our loan originators;
reviewing/recommending/ completing/submitting all Broker applications to invest
ors that AmeriFund seeks to do business with (the review process includes a risk
 assessment based on the language in the application documents);
applying for/maintaining/updating all state licenses for AmeriFund (including t
he acquisition and maintenance of the necessary Surety Bonds, Error & Omissions
Insurance, and Fidelity policies);
assisting loan originators with meeting the required continuing education requi
rements and license renewal processes;
conducting quality control reviews of all closed loan files and notifying loan
originators and/or loan processors when the necessary documentation does not mee
t minimum regulatory requirements;
assisting in the preparation of all required files and requested information fo
r inspection by state financial regulation auditors;
coordinating and monitoring day-to-day FACT Act compliance and managing all asp
ects of the AmeriFund Red Flag Identity Theft program;
office management of loan officers and loan processors when the President is ou
t of the office;
assisting in the evaluation/ recommendation/installation/maintenance of office
and computer hardware/software;
acquiring and maintaining office supplies;
general bookkeeping duties, including bank deposits, bill paying, data entry an
d record maintenance using Quicken and Excel;
preparing and submitting the company payroll to a third-party payroll service t
wice monthly;
coordinating the information, and collection of fees, of employees participatin
g in the company group health insurance and 401k plans, as well as submitting ne
w applicant information or cancellation of participation requests.
Software and computer systems regularly used: Microsoft Excel, Word, PowerPoint,
Outlook email and calendars, Quicken
Vice President of Mortgage Operations, Chesapeake Mortgage
Responsibilities included many of the same duties listed above except for those
dealing with general bookkeeping and payroll. Also assisted Joyce Melbourne, Pr
esident of CMCI, in the start-up and operations of AmeriFund Mortgage. (On May
23, 2005, AmeriFund bought all the stock, cashed out all the stockholders, and a
ssumed all of CMCI's debts, assets and personnel.)
1983-2002 Melbourne, Feagin & Hammersmith Real Estate / Coldwell Banker/Residen
tial Brokerage, Laurel, MD
Licensed Realtor (1983-1990)
Assistant Manager / Manager (1990-2000)
Responsible for the advertising, marketing and Multiple Listing Service data ent
ry for 90 Realtors, as well as assisting the Manager in the day-to-day operation
of the office and staff; promoted to Manager in 1991. (In October, 2000, Coldw
ell Banker/Tom Stevens purchased MFH, at which time I was promoted to Branch Vic
e President of the Coldwell Banker/Residential Brokerage office in Severna Park;
re-assigned to the Laurel office in 2002.)
Branch Vice President (2000-2002)
Responsible for the day-to-day operation and management/supervision of as many a
s 50 Realtors and staff.

1981-1983 Circulation Representative - Triangle Publications, Bethesda, MD

Specifically involved in the distribution, marketing and circulation of TV Gui
de magazine.
1980-1981 Assistant Floor Director - NBC Network television and WRC-TV, Washingt
on, DC

Education Associate of Arts Degree in Radio/Television/Film 1981

Montgomery College, Rockville, MD
High School Diploma 1978
Meade Senior High School, Ft. Meade, MD

Community Activities
Bethel Baptist Church, Ellicott City, MD
Served as the Chairman of the Personnel Committee.
The Committee was responsible for the hiring of all church staff, except the Sen
ior Pastor, as well as recommending personnel salary packages and benefits. I a
m also a Sunday school teacher and past Chairman of the Deacons.
Varsity Basketball Coach, St. Vincent Pallotti High School, Laurel, MD (1985-198
7)

Hobbies Playing golf with my sons, watching my daughter dance, rooting for the
Washington Redskins

Family Wife - Suzanne (married July 31, 1982)

Children - Robbie (25), Ryan (22), and Stephanie (16)

References
Jim Clements, Vice President, 1st National Management & 1st Financial Inc.
Office: 410-841-5330 Cell: 410-279-9877
Joyce Melbourne, President, AmeriFund Mortgage Services, LLC & Survivors, LLC
Office: 301-858-9300 Cell: 410-490-0948 Home: 410-643-2427
Bob Tucker, AmeriFund Mortgage Services, LLC & Survivors, LLC
Office: 301-858-9300 Cell: 301-717-2308
Patty Robinson, Senior Underwriter, 1st Financial Inc.
Office: 410-841-5330 Cell: 410-251-3093
Rev. Paul Viswasam, Senior Pastor, Bethel Baptist Church
Office: 410-465-5690