INSIDE THIS ISSUE : ANNOUNCEMENTS P2 PICS FROM HALLOWEEN P3 WHO AM I P5 WHO’S IN THE KITCHEN P6 WHAT’S THE NUMBERS P8 W hile Memorial Day is a day to honor those who died while serving our nation by remembering the sacrifice they made, Veterans Day pays tribute to all veterans, both living and deceased. Public observances vary from small town parades with local veterans riding on floats to an official wreath-laying ceremony at the Tomb of the Unknowns in Arlington National Cemetery. Although most Americans are aware that the Tomb of the Unknowns is a monument dedicated to unknown soldiers who sacrificed their lives defending America in World War I, War II and the Korean War, most Americans do not know the degree to which soldiers go to honor these veterans. Since 1948, soldiers have guarded the Tomb of the Unknowns 24 hours a day, 365 days a year regardless of weather. The soldiers bravely remain at their posts, just as they stayed on duty during Hurricanes Isabel and Irene as well as the 2010 blizzard which shut down the capital for days. Tomb Sentinels have the option of standing their watch over America’s fallen heroes under a tent when it rains, but they have consistently declined to do so. Fewer than 20 percent of all volunteers are accepted for training and of those only a fraction pass training to become full-fledged Tomb Guards. Considered one of the highest honors to serve as a Sentinel at Arlington Cemetery’s Tomb of the Unknowns, this inspirational picture is a reminder of the service soldiers provide and displays the true honor, courage and commitment of the United States Military. The Guards of Honor at the Tomb of the Unknowns are highly motivated and proud to honor all American service members who are “Known But to God.” On this Veterans Day, we would like to thank all the men and women who bravely served and sacrificed for the freedoms we have today. We are proud to honor you. COMMITMENT THROUGH THE STORM Our mission is to provide exceptional customer service to everyone we come in contact with going beyond the expected while establishing and maintaining relationships that are built on trust and respect; demonstrating a high regard for integrity and our commitment to doing things right the first time. Our employees, customers and competitors will know us as the standard by which others are measured. Our decisions and actions demonstrate four core values that we believe create long-term benefits for our customers, each other and the communities we serve. We act with INTEGRITY... In all we do, we hold ourselves personally accountable for our behavior and actions; committed to business ethics that demonstrate honesty, trust and respect in all aspects of our work, providing quality leadership in people, product, process and service. We value RELATIONSHIPS... We foster strong and long-lasting working relationships; consistently striving to treat our colleagues and customers with the respect they deserve and take pride in the significant contributions that come from the diversity of the individuals and their ideas. We take pride in our CUSTOMER SERVICE... Our customer service exceeds expectations and we take responsibility for customer satisfaction. We are responsive, accurate, proactive and dedicated to not just meeting but exceeding the expectations of all our customers; internally and externally. We are committed to LOYALTY... We cherish loyalty because of all it represents and we are sincerely committed to expressing our loyalty through our dedication and devotion to our customers, obligations, commitments and to one another. OUR MISSION NOV 2012 OUR VALUES ICON NECT T H E SIR RODEHEAVER and ELISA ALLEN Soldiers of the 3rd Inf Reg. Continue to stand guard at the Tomb of the Unknown Soldier, despite the worsening weather conditions. Picture taken on Sept 18, 2012.
Transcript
I N S I D E T H I S I S S U E : A N N O U N C E M E N T S P 2 P I C S F R O M H A L L O W E E N P 3 W H O A M I P 5 W H O ’ S I N T H E K I T C H E N P 6 W H AT ’ S T H E N U M B E R S P 8
While Memorial Day is a day to honor those who died while serving our nation by remembering the
sacrifice they made, Veterans Day pays tribute to all veterans, both living and deceased. Public observances vary from small town parades with local veterans riding on floats to an official wreath-laying ceremony at the Tomb of the Unknowns in Arlington National Cemetery.
Although most Americans are aware that the Tomb of the Unknowns is a monument dedicated to unknown soldiers who sacrificed their lives defending America in World War I, War II and the Korean War, most Americans do not know the degree to which soldiers go to honor these veterans. Since 1948, soldiers have guarded the Tomb of the Unknowns 24 hours a day, 365 days a year regardless of weather.
The soldiers bravely remain at their posts, just as they stayed on duty during Hurricanes Isabel and Irene as well as the 2010 blizzard
which shut down the capital for days. Tomb Sentinels have the option of standing their watch over America’s fallen heroes under a tent when it rains, but they have consistently declined to do so.
Fewer than 20 percent of all volunteers are accepted for training and of those only a fraction pass training to become full-fledged Tomb Guards. Considered one of the highest honors to serve as a Sentinel at Arlington Cemetery’s Tomb of the Unknowns, this inspirational picture is a reminder of the service soldiers provide and displays the true honor, courage and commitment of the United States Military. The Guards of Honor at the Tomb of the Unknowns are highly motivated and proud to honor all American service members who are “Known But to God.”
On this Veterans Day, we would like to thank all the men and women who bravely served and sacrificed for the freedoms we have today. We are proud to honor you.
C O M M I T M E N T T H R O U G H T H E S T O R M
Our mission is to provide exceptional customer service to everyone we come in contact with going beyond the expected while establishing and maintaining relationships that are built on trust and respect; demonstrating a high regard for integrity and our commitment to doing things right the first time.
Our employees, customers and competitors will know us as the standard by which others are measured.
Our decisions and actions demonstrate four core values that we believe create long-term benefits for our customers, each other and the communities we serve.
We act with INTEGRITY...In all we do, we hold ourselves personally accountable for our behavior and actions; committed to business ethics that demonstrate honesty, trust and respect in all aspects of our work, providing quality leadership in people, product, process and service.
We value RELATIONSHIPS...We foster strong and long-lasting working relationships; consistently striving to treat our colleagues and customers with the respect they deserve and take pride in the significant contributions that come from the diversity of the individuals and their ideas.
We take pride in our CUSTOMER SERVICE...Our customer service exceeds expectations and we take responsibility for customer satisfaction. We are responsive, accurate, proactive and dedicated to not just meeting but exceeding the expectations of all our customers; internally and externally.
We are committed to LOYALTY...We cherish loyalty because of all it represents and we are sincerely committed to expressing our loyalty through our dedication and devotion to our customers, obligations, commitments and to one another.
O U R M I S S I O N
N O V 2 0 1 2
O U R VA L U E S
ICONNECTTH
E
S I R R O D E H E AV E R a n d E L I S A A L L E N
Soldiers of the 3rd Inf Reg. Continue to stand guard at the Tomb of the Unknown Soldier, despite the worsening weather conditions. Picture taken on Sept 18, 2012.
OCTOBER ANNIVERSARIESHerb Lau - 5 yearsJulian Villanueva - 4 yearsPeggy Douglas - 4 yearsTerry Bloes - 3 yearsCynthia Ellenburg - 3 yearsDena Ress - 3 yearsReyne Franco - 2 yearsKenna Johnston - 2 yearsNikki Ngo - 2 yearsMay Vue - 2 yearsJames Banuelos - 2 yearsVeronica Tillis - 2 yearsTiffany Johnson - 1 year
Help us with our hiring efforts by referring qualified candidate that you know or have worked with be-fore. We’re extending the $1,000 referral bonus! Check with HR for details.
W E WA N T E D TO L E T Y O U K N O W H O W M U C H W E A P P R E C I AT E E V E RY T H I N G Y O U D O . B E S T W I S H E S F O R A N O T H E R S U C C E S S F U L Y E A R .
O N Y O U R A N N I V E R S A R Y
H I R I N G N E W S
Please join the executive team in welcoming Jeff Lisinicchia [listen-ick-ee-uh] as Icon’s Chief Financial Officer. Jeff joins ICON after a successful career with Peak Corporate Network. He formerly worked at Greenlight Financial Services for many years as Chief Financial Officer and GMAC Mortgage Corporation in various positions, including VP of Finance of the DiTech division and CFO of its mortgage REIT. Jeff has an exceptional track record for facilitating growth and instituting consolidated financial reporting practices providing accurate and timely results.
Also joining Icon is our new Senior Vice President of Service Management Sue Anthony. Sue joins ICON after a successful career with Global Logic Advisors. She formerly worked at First Franklin Financial Corporation, a Merrill Lynch company, for many years in various positions, including Director. Sue has an exceptional track record for delivering profitable solutions that exceed expectations, with measurable results, in information technology, business operations and management.
A N N O U N C E M E N T S
OCTOBER NEW HIRESArman Chapa - Account ExecutiveJanee Reeder - Account ExecutiveKris Buckley - Account ExecutiveKenneth Schultz - Account ExecutiveJohn “Ted” Sweeney - Account ExecutiveSean Finn - Midwest Area Sales ManagerMichael Broyles - Account ExecutiveDennis Dziubek - Account ExecutiveKaren Van - FHA UnderwriterGuadalupe Villegas - Doc DrawerCindy Breece-Garr - FunderSandra Garcia - Loan Set Up AssociateFrederick De Guzman - FunderGregory Chee - Doc DrawerTamara Cota - FunderAlynne Clay - FunderRichelle Brown - Account ManagerHilcia Winemberg - AM Team LeadCassandra Winkelman - Post Closing AssociateKerry Wilds - Loan Set Up AssociateRJ Arnett - EVP, Wholsale LendingAndy Pollock - CEOSue Anthony - SVP, Service ManagementJeffrey Lisinicchia - CFO
I C O N & O VAT I O N H A L L O W E E N C O N T E S T
GOING COASTALI was born in Springfield, IL and grew up in Westfield Center, OH. I grew up running and playing soccer, being a kid and I have great memories of swim meets, playing outside and never wanting to be indoors. Not much has changed! I served in the USCG for 6 years in D17 Alaska. Our primary mission was to serve and safeguard the public, protect the environment and its resources, and defend the Nation’s interests in the Alaskan maritime region. As a rescue swimmer, my primary duties were saving lives, providing emergency medical support, and maintaining the survival equipment our rescue missions depended on in emergencies. I learned the value of being a team player.
We performed numerous search and rescue missions throughout Southeast Alaska and the surrounding islands. I currently reside in Longmont, Colorado, about 30 minutes North of Denver and enjoy time spent doing church related activities, family and volunteering in my local community. I also enjoy skiing and hiking in the Rockies. I am excited about the future of Icon and look forward to many years of service ahead. I wanted to share a quote I like, “I wish I was half the man, my dog thinks I am.” God Bless!
Who am I? My name is Jeff Stahl and I serve as an outside AE in Colorado, as part of the Western Region.
FROM BOY SCOUT TO POLICEMAN I was born in Torrance, California and grew up in the suburbs of Los Angeles near Gardena. I was a Boy Scout and athlete who loved and played baseball. I had professional aspirations and played up to my first year of college. I had the pleasure of competing against and knowing some baseball players who eventually became stars in the Major Leagues.
I worked while attending college full time and completed my degree in four years, without a student loan. Believe it or not, I was drafted into the US Army after college and I served honorably for two years as a Military Policeman. I spent eighteen months in Stuttgart, West
Germany. I loved my job and was able to work and attend the Munich Olympics and travel Europe. I was also a member of the Honor Guard.
My beautiful wife, Sharon, and I have two children, Tracy and Matthew. We have been blessed with three grandchildren; Kevin, Syriah and Shamari. Family is important to me so Thanksgiving and Christmas are special. Usually we have the family gathering at our home during the Holidays where we all have a great time.
I love the outdoors where I like to hunt and fish. I love sports and I am an avid Lakers fan. I have three dogs that keep me and my wife busy.
I have been in this business for many years and I am still passionate about what I do. Working at Icon is like a family because everyone has been so nice and helpful to me. I can truly say that I learn something new every day and build on that knowledge.
Who am I? My name is Curtis Hawley and I work in the Dynamic Underwriting Department.
W H O A M I ?
Jeff Stahl
Yes, that is actually Jeff
Curtis and his wife, Sharon
Curtis in Germany
Ingredients Cooking spray12 ounces fully cooked Italian-style poultry sausage, cut into 1-inch pieces1/2 cup lightly packed fresh basil1 12-ounce jar roasted red peppers, drained, rinsed and cut into 1-inch pieces2/3 cup sun-dried tomatoes, cut into 1-inch pieces if large1 14-ounce can artichoke hearts, drained and quartered
DirectionsHeat a nonstick skillet over medium heat; mist with cooking spray. Add the sausage; cook, turning 2 or 3 times, until warmed through and browned, about 8 minutes.
Thread 1 small or 1/2 large basil leaf onto a small wooden skewer. Add a piece of roasted red pepper, sun-dried tomato, artichoke and sausage, arranging them
on the skewer so that it can stand up on the sausage end. Repeat with the remaining ingredients to make about two-dozen skewers.
A N T I PA S T O S A U S A G E S K E W E R S
M E A N G R E E N J U I C ES I R R O D E H E AV E RD I R E C TO R , M A R K E T I N G & B U S I N E S S D E V E L O P M E N T
Ingredients:1/2 cup Margarine2 cups Peanut Butter1 lb. Powdered Sugar3 cups Rice Krispies cereal8 oz Bar Milk Chocolate (Hershey Bar)6 oz Chocolate Chips1/2 Bar Paraffin Wax
Blend margarine, peanut butter and powered sugar. Mix in Rice Krispies cereal. Roll into 3/4-inch balls. Set aside.
Melt chocolate bar, chocolate chips and paraffin wax in double boiler. Turn heat down to low and dip the balls into the chocolate.
Remove and put on waxed paper and refrigerate.
Ingredients:6 Kale Leaves1 Cucumber4 Celery Stalks2 Green Apples1/2 Lemon1 piece of ginger6 Carrots (Optional)2 Tomatoes (Optional)
Directions:In a juicer; place each of the listed ingredients.
Tips:• Be sure not to start with the
ginger• If you are not sure how
much ginger to use, go lighter than heavier (it can be overwhelming)
G E T F I TI l o s t 25 lb s . i n one mon th
dr ink ing on ly th i s f o r every mea l (64oz da i l y i n take )
W H O ’ S I N T H E K I T C H E N ?
J E A N N E S TA F F O R DP O S T C L O S I N G A S S O C I AT E
K R I S P I E S P E A N U T B U T T E R B A L L SE L I S A A L L E ND I R E C TO R , L E A R N I N G & D E V E L O P M E N T
T H E Y L O V E I TGrea t ho l iday appe t i ze r.
Qu ick and easy and a lways a h i t .
Start with a clean grill. Keep it clean by brushing with a wire brush after preheating, and again after cooking. Make sure to oil your grates and
your food before putting it on the grill to keep it from sticking.Emeril Lagasse
O N - S I T E F L U S H O T C L I N I C G E T T H E S H O T, N O T T H E F L UAlthough the weather lately has been absolutely beautiful and still feeling like summer time, flu season is upon us and Icon would like to help all of our associates avoid that terrible bug. Join us on Wednesday, November 21st in the Campus Lobby from 2:30 to 5:00 for a free flu shot.
Make your reservation by contacting Maggie Fisher in the HR department at [email protected]. She will schedule you and provide you with a voucher. No insurance coverage required. More details once you contact Maggie.
What better way to strengthen the Icon & Ovation community than coming together to host our annual food drive for Second Harvest Food Bank? Food drives foster a sense of teamwork by creating an opportunity to work together toward a common, worthy goal. Since its founding, Second Harvest has provided more than 272 million pounds of donated and surplus food to local charities.
It is currently estimated that 615,000 Orange County residents are at risk of going to bed hungry some time during the month. The majority of people at risk of going hungry each month are children and single-parents, seniors on fixed incomes, the working poor and other men and women confronted by financial difficulty or who are physically unable to earn a living. Children make up 38% of that number, many of whom see their only meal at a free or reduced lunch program. Another 10% represent our seniors on fixed incomes, having to make the decision whether to pay for the prescriptions they desperately need, pay the rent, or buy groceries.
Second Harvest Food Bank provides meals to nearly 220,000 individuals each and every month. Let’s all be a part of the Icon & Ovation community of helpers and donate to Second Harvest Food Bank during our annual food drive. Donation canisters will be here starting November 5th through November 15th. The donation canisters will be in the kitchen areas on the first floor.
F O O D D R I V E S S T R E N G T H E N O U R C O M M U N I T I E S
Any amount helps those in need. Icon Residential Lenders will be hosting a Workplace Giving Campaign for the Red Cross starting November 7th and continuing through November 16th. For every dollar generously donated by our associates during this period through the Red Cross link provided below, Icon will match it! Our friends, families and co-workers have all been affected by this disaster.
It’s easy to donate. Just click on the following link below and you will be directed to the American Red Cross giving page where you can make a donation for those in need. http://american.redcross.org/iconres-emp
The Red Cross responds to approximately 70,000 disasters in the United States every year, ranging from home fires that affect a single family to hurricanes that affect tens of thousands, to earthquakes that impact millions. In these events, the Red Cross provides shelter, food, health and mental health services to help families and entire communities get back on their feet.
R E A C H I N G O U T T O T H O S E A F F E C T E D B Y H U R R I C A N E S A N D Y !
September marks the fifth straight month of job growth in the mortgage industry, which has seen its head count increase 8.8% over the prior 12 months.
The U.S. Bureau of Labor Statistics reported that employment in the mortgage banking and brokerage sector rose to 285,000 positions in September from 281,300 in August. (The residential finance figures lag the national ones by a month.)
Since January, lenders have hired 22,900 new employees to keep up with the demand for refinancings. Mortgage brokerages are responsible for 12,100 of the new hires.
Meanwhile, Friday’s jobs report shows the U.S. economy created 171,000 new jobs in October, compared to 148,000 in September. The September figure was revised upward by 34,000 jobs.
The national unemployment rate ticked up to 7.9% in October from 7.8% in September.
W H AT A R E T H E N U M B E R S ?
O C TO B E R ’ S TO P 5 P R O D U C I N G A C C O U N T E X E C U T I V E SP R O D U C I N G $ 5 M I L L I O N O R O V E R 2 5 U N I T S
Brendan Pawloski
Jamie Fletes
Jesse Tannlund
Julie Engel
Peggy Douglas
UNITS
73
62
44
39
28
FUNDING
$ 18,633,344.00
$ 16,205,245.00
$ 9,985,086.00
$ 9,908,318.00
$ 7,913,934.00
O C TO B E R ’ S TO P 5 P R O D U C I N G A C C O U N T M A N A G E R SC L O S I N G 4 0 L O A N S O R M O R E . . .
P R O D U C I N G $ 8 0 0 , 0 0 0 O R M O R E . . .
Brandon Bustamante
UNITS
10
FUNDING
$ 2,388,458.00
Jack Abajian
David Reed
Bryan Gonzalez
Kristina Rutherford
Jimella Johnson
UNITS
67
66
63
47
47
FUNDING
$ 16,524,394.00
$ 18,255,744.00
$ 16,811,990.00
$ 9,894,012.00
$ 12,235,403.00
O C TO B E R ’ S TO P P R O D U C I N G L O A N O F F I C E R
M O R T G A G E M A R K E T N E W S
Mortgage-backed securities trading handled the issues caused by Hurricane Sandy without any major disruptions. Stronger than expected economic data also had little impact, and mortgage rates ended the week with little change.
Friday’s Employment report showed that the economy added roughly twice as many jobs as expected (including revisions). Against a consensus forecast of 125K, the economy added 171K jobs in October, and the data from prior months was revised higher by 84K. The Unemployment Rate increased to 7.9% from 7.8% last month, as expected, due to an increase in the size of the labor force (see below). Overall, this report was encouraging in most areas. Of note, the collection period for the October data ended before Hurricane Sandy hit, so next month’s report will reflect the storm’s impact.
The Unemployment Rate is determined in a separate survey and is based on two factors, the number of jobs and the number of people in the labor force. According to this survey, the economy added a whopping 410K jobs, and the labor force increased by an even larger 578K people. Clearly, strong growth in the number of jobs is great news for the economy. A growing labor force is also positive for the economy, and it reflects increased optimism about finding a job, but it leads to a higher percentage of people classified as unemployed.
J O B G A I N S E X C E E D E X P E C TAT I O N S
The most significant economic data next week will be the ISM Services index on Monday. The Trade Balance will come out on Thursday. Import Prices and Consumer Sentiment will be released on Friday. Tuesday’s election will dominate the news headlines next week. There will be Treasury auctions on Tuesday, Wednesday, and Thursday.
All-inclusive Desktop with major performance advantages that eliminates need to log into the web:
ALL functionality of the web is included in Desktop with major usability enhancements. • Enhanced stacking orders & filters that can be used with every list of documents. • New features like “Double click” to full screen anywhere• “Compare” to view two documents side-by-side• “Status” docs from any screen in DV (including uploads). • Work from multiple cabinets in parallel. • Click & drag folders to/from cabinets. • More configurable view settings that are remembered as a user preference.
The new Doc Dictionary has been completely redesigned to better control what names are available and which names display. This includes the ability to remove document names that we currently categorize as “Do Not Use” to be deleted from the drop-down selection list.
Stay tuned for more communications and information as we finalize the roll out plan.
N E W L O O K , N E W F E AT U R E S - D O C - V E L O C I T Y 5 . 0
A L S O N O TA B L E
• ISM Manufacturing increased to the highest level since May • Consumer Confidence rose to the highest level since February 2008 • The Treasury will auction $72 billion in 3-yr, 10-yr, and 30-yr securities next week • China released stronger than expected manufacturing data
W E E K A H E A D
Icon’s annual holiday celebration will take place on Thursday, December 20th at the Fairmont Hotel.
This is an employee-only event and will take place between 3:00 p.m. and 7:00 p.m. Come join us for some holiday cheer!
More details to follow.
S AV E T H E D AT EA N N U A L H O L I D AY C E L E B R AT I O N
