Robert Crosby has been in the mortgage industry for the past 24 years. As a successful Director for Avionce Mortgage Institute, since 1991, Robert oversees all aspects of the company's organizational quality and business improvement efforts. He develops and administers the programs, training and coaching of employees and facilitating change throughout the organization. Robert is responsible for establishing strategic plans, policies, and procedures at all levels to ensure quality control efforts will meet or exceed internal and external customer's needs and expectations. Robert is also a Real Estate Broker in the states of Georgia and California. He was previously associated with Home Loan Mortgage Corporation for 7 years in both Georgia and California as a Regional Manager. Robert was highly regarded for driving the growth of their company from the ground up to a successful wholesale operation in the Atlanta region.
Doris Crosby has been in the mortgage industry for more than 30 years. Doris began her career as a Mortgage Loan Officer representing banks, credit unions, and other financial institutions that find and assisted residential home borrowers aquiring a home. She moved into the operations after working for Country-Wide in Bellflower, California. From there, she went on to open an entire mortgage division for Desert Community Bank in Victorville, California. Doris is a FHA/ VA and Conventional loan underwriter with many years experience in Federal and State Compliance and Quality Control. Doris discovered she had a passion for teaching and training others, so she decided to make a difference for those seeking a career in the mortgage industry. In 2001, she accepted a position as Senior Trainer for Capstone Institute of Mortgage Finance, located in Atlanta, Georgia, to help facilitate those striving for excellence in their mortgage professions. In 2003, Doris to her passion to another level and created the Avionce Institute of Mortgage Training. She saw the demand for expanded training and wanted to be part of effecting improvements to the quality of investor loans and to create a better experience for the consumer. She championed training courses representing FNMA Housing Finance Institute as one of their consummate training facilitators and has trained and consulted for many large and small companies.
Susan Butler has been an accomplished Mortgage Professional in the Banking and Finance Industry for over 30 years. She started her career in Atlanta, Georgia as a resdential Mortgage Loan Officer educating many current and future homeowners choose the right options and make the right decisions for their home loan needs. Susan relocated to the Florida market, in 1991, and became a Direct Endorsement Underwriter for HUD, a Senior Residential Appraisal Reviewer for the Veteran's Adminstration, a Desktop Certified Underwriter for Fannie Mae's automated systems, and Underwriter for Freddie Mac. She also was awarded the status of Certified Elite Underwriter for United Guaranty, a mortgage insurance company owned by AIG Insurance Company. Susan currently resides in Panama City, Florida. Since moving to the area, she has successfully managed two mortgage departments for local community banks. In 2009, she worked for the internationally based HSBC Bank underwriting loans ensuring clients were qualified and offered the best mortgage product for their financial needs. Additionally, Susan has developed training materials, manuals, and PowerPoint presentations for several of our national lenders and the Avionce Institute. She recently participated in rolling out a new mortgage software system developed by one of the nation's largest mortgage bankers for their proprietary use in training originators, underwriters, processors and closers. This new system optimized their potential for providing exceptional customer service.