1. Cedrick Goodman
29 Joyce Kilmer Ave * New Brunswick, NJ 08901
(732 )339-8013
cedrickspeaks@aol.com * www.cedrickspeaks.com
Mortgage banking officer knowledgeable in real estate lending and mortgage banking in
conventional, fha, va, fnma and fhmlc in both prime and sub-prime markets.
Experienced working with investors in retail and wholesale and conduit operations. An
effective negotiator and closer who performs well against tight deadlines. Associate
member of the national speakers association for professional speaking.
Respa & Regulatory Banking Laws Sub-prime – Prime Lending
Originations, Sales, Closing Credit Evaluation & Analysis
Loan Processing & Underwriting Credit Risk Scoring & Retention
Secondary Marketing & Shipping Investment & Asset Management
Ashford University * Sociology / Political Science Candidate* Clinton, Iowa
Life University School of Chiropractic * Chiropractic Major* Marietta, Ga
Middlesex County College * Biology* Major Transfer Student Edison, NJ
Professional Experience
The B.C. Community Development Corp. 2009 - Present
President & Founder
Solicit public / private companies, foundations, churches and other non-profit entities for
donations and financial support. Prepare and write grants proposals for such funding.
Create and implement programs that will address the needs of affordable housing, work
force development training, day care, youth leadership programs, community and economic
development opportunities and educational programs for low to moderate income families
located in New Brunswick, NJ. Present seminar / workshop training programs to residents,
and the general public of the need of such services and the benefits of such programs that
will provide additional services to residents.
Yack Enterprises, Inc. Atlanta, Ga 30349 1998 - 2006
President & Founder
Manage all related activities of residential and commercial real estate portfolio valued in
excess of $5 million. Develop market analysis, acquisition analysis, occupancy cost
analysis, financial tax analysis and asset management strategies. Manage all loan
administration, budgeting and cost control / reduction initiatives to maximize portfolio
valuation. Meet with housing urban development members regarding compliance with
federal loan programs.
• Created and developed a $5 million dollar residential and commercial investment
portfolio starting with an initial $50,000 investment.

2. • Spoke at 11 community workshops focusing on creative solutions for Affordable
Housing Programs.
First Service Mortgage Corp. Atlanta, Ga 30349 2004 - 2004
Senior Loan Officer
Solicit mortgage loan products to potential customers, Realtors, Builders, CPA and other
networking avenues. Take loan applications from potential clients for loan processing
including follow-up for documentation required for accordance with lender policies and
procedures. Keep clients informed on status of loan and educate clients on the loan process
towards closing. Submit all docs to underwriting, set up closing date. Maintain relationship
with preferred lender for obtaining loan approval for client, based on clients credit criteria.
Robert Wood Johnson University Hospital, New Brunswick, NJ 1997 – 1998
Certified Nursing Assistant
Provided Patient Health Care needs for 12 to 24 patients within the Oncology Unit. Interacted
with the Nursing Director and nursing staff, and ensured compliance with the Federal Patent
Bill of Rights Act. Recieved prestigious Patient Care Award for outstanding Patient Care from
Nursing Division and Patient Care Services.
Middlesex County College, Edison, NJ 1996 – 1998
Full Time Student
Member of Dean’s List with a 3.67 GPA. Inducted into Honor Society Phi Theta Kappa and
became Vice President of that Chapter. Received recognition from faculty staff association.
Sun American Mortgage, Atlanta, GA
Post Closer
Accountable for 78 million loan portfolio pipeline. Audited FHA, VA and Conventional
documentation after prior too and after loan closings to ensure compliance with investor
guidelines prior to the sale of mortgage loans into the secondary market.
• Established a new quality control system to ensure policy protocol which virtually
eliminated buy-back demands, conserved capital and avoided $2million in potential
loan losses.
• Developed superior investor relationships and eliminated a backlog of 12,000 loan
documents within the loan portfolio within a 4-month period.
• Received Letters of Recognition from Management of six Mortgage Investors,
including Prudential Mortgage and South Trust Mortgage, for implementing new
quality control system and protocol.
Early Mortgage Experience: Norwest Mortgage, Atlanta, Ga (1992 to 1993), Post Closer,
Commonwealth United Mortgage , Atlanta, Ga (1990 to 1992), Shipper, Traditional
Mortgage, Tucker, GA (1989 to 1990) Servicing Clerk, Magyar Savings & Loan, New

3. Brunswick, NJ (1988 to 1989) Loan Officer City Federal Mortgage Corp. Somerset, NJ
(1985 to 1988).