Experienced and very energetic sales and operations executive with over seventeen years professional business development and financial services experience with an emphasis on mortgage/retail banking. Results oriented and a highly competitive effective leader with a proven track record of exceeding goals and objectives. Enjoy building and coaching strong teams that consistently exceed goals and expectations. My entrepreneurial spirit and willingness to work as hard and as long as needed but to succeed the "right way" have helped me excel at every position I've held. Take great pride in my work ethic, on having a positive attitude and on being prepared. Overall philosophy on success is to build consistency by achieving a lot of short-term goals all while keeping the long term vision in mind. Specialties: • Recruiting, Training, Coaching, Mentoring and Developing employees, • Team Building, • Sales and Business Development, • Marketing, • Strategic Planning, • Branch Openings - Growth and Expansion, • Financial analysis, • Budgeting and Forecasting, • Managing Expenses/Costs, • Quality Control/Audit, • Process Improvement, • Human Resources.

Regional Branch Manager @ About Us NFC Mortgage was founded on a very simple principle: That the consumer should not have to pay money to obtain a home loan. This principle is based on the fact that the traditional fees charged to the home loan borrower (points and closing costs) are never recovered. NFC Mortgage works with our clients to help them manage their debt. This means obtaining the lowest rate available with a no cost home loan and making sure they always have the best program. Mission Statement To provide our clients with products and services tailored to meet their specific needs at the best rates possible, while providing the highest quality of customer service. We empower our employees by providing them with the tools, knowledge and support in order to provide their clients with the quality of service they deserve. Vision Statement NFC Mortgage prides itself in the high quality of the products and services provided to our clients. By consistently meeting and exceeding their needs, we strive to become the standard for excellence in the home loan industry. NMLS # 1082048 From November 2013 to Present (2 years 2 months) Branch Manager @ From February 2013 to October 2013 (9 months) Senior Vice President of Operations @ From October 2009 to December 2012 (3 years 3 months) Managing Director @ From March 2009 to September 2009 (7 months) Regional Vice President @ • Managed operations and personnel in New England region (MA and NH) that provided mortgage financing to a national customer base, delivering loan products to qualified applicants. • Recruited, led, coached and retained a sales force and operations staff while managing multiple tasks in a fast paced challenging environment in order to meet monthly and quarterly goals. • Responsible for devising and implementing scalable models for file flow and work process in offices in an effort to obtain the highest levels of production efficiency. • Developed and promoted employees to open 8 retail branch offices in Massachusetts and New Hampshire between 2005 and 2007. • Responsible for the following: Managing P&L to achieve goals and objectives, Achieving production growth targets, Meeting cost per loan targets, Exceeding quality and compliance standards, Expanding branch retail network, Providing leadership and guidance for corporate fair lending practices of over 200 employees. From September 2005 to November 2007 (2 years 3 months) Branch Manager @ From April 2002 to August 2005 (3 years 5 months) Branch Operations Manager @ From November 2000 to March 2002 (1 year 5 months) Account Executive @ From March 1999 to October 2000 (1 year 8 months) Account Executive @ From May 1997 to February 1999 (1 year 10 months) Credit Manager @ From May 1996 to April 1997 (1 year)

Bachelor of Science, Business Administration, Management/Finance @ Nichols College From 1992 to 1996 HS, College Prep @ St. John's From 1988 to 1992 Nick Athanasiou is skilled in: Loans, Financial Analysis, Team Building, Business Development, Mortgage Lending, Forecasting, Mortgage Banking, Leadership, Recruiting, Sales, Loan Origination, Training, Credit, Management, Process Improvement