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Operations Sales Management Team Leadership & Coaching
Quality Control Regulatory Compliance Strategy Development
Dynamic Management Executive with 20+ years experience in mortgage lending, branch sales management, credit risk underwriting, partnership-building, and operational management.
Significant experience in staff hiring, training/development, coaching and management; lead and inspire personnel to achieve or exceed revenue goals.
Excel at providing comprehensive support for transaction underwriting, mitigating company risk, and defining policies and procedures to enhance and optimize home lending process.
Able to employ sharp critical thinking skills to analyze and swiftly resolve client and transaction issues.
Motivating, hands-on leader who excels in managing broad-scope areas of operation to ensure optimal productivity, efficiency, and profitability; highly regarded for talents in exceeding client expectations.
Considerable expertise in approving loans in excess of unit/department level authorities.
Adept at contriving strategies for new business prospects and realigning existing processes to markedly improve underwriting functions.
Possess all underwriting designations: FHA Chums, VA SAR, and VA LAPP endorsements.
Qualified in non-conforming and expanded non-conforming with $3M signing authority, as well as exception policy delegated authority.
Presented with multiple performance awards throughout Wells Fargo career such as Management Service Excellence , Service Excellence Award Most Improved Branch , and Manager Excellence Award .
Two-time Service Conference winner (2013 & 2015) and presented with Excellence in Action award in 2013.
Earned excellent results from Gallup Team Member Connection Survey: 80th percentile in 2012 and 90th percentile in 2013, 2015, and 2016.
Successfully opened Denver, Tempe, and Portland NDS sites, receiving high praise from Exception and Credit Policy Group in 2009 & 2010.
Surpassed quarterly and annual profit goals in 2006 and 2007, Q1 and Q2.
Boosted productivity by 25% annually over two-year period, exceeded sales target by 37% in 2003, and accomplished 98% of budgeted goal in 2006.
Wells Fargo Home Mortgage, 2009 to Present
Divisional Lending Manager III
Steadily advanced through a series of promotions to most recently manage the complete spectrum of lending activities for multiple sites within Pacific Division.
Assist sales and fulfillment partners with structuring and documentation of loan transactions and escalations, monitor staff underwriting and management performance, approve loans, and ensure consistent adherence to corporate policies and procedures.
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Professional Experience continued
Direct, coach, and mentor managers and staff in accomplishing organizational goals, steer execution of department business plans, and prepare reports for senior management as required.
Methodically analyze loan quality and borrower profile to accurately determine risk level in order to maintain profitable loans for agencies and portfolio.
Review and approve workout strategies for individual loans including escalations for Office of the President and National Escalation Team.
Closely partner with credit policy, exception policy, and collateral policy teams on exception opportunities and writing policy.
Wells Fargo Home Mortgage, Denver, Colorado, 2009 to 2010
Lending Manager II / Distributed Retail
Assigned to oversee underwriting operations for Denver fulfillment site, and frequently traveled to regional branches to directly support loan structuring activities.
Engaged, trained, mentored, and empowered sales staff while providing exemplary customer service and ensuring rigorous adherence to industry regulations.
Decisively extended favorable credit risk terms to sales staff while maintaining minimal deficiency rate.
Audited 20% of all approved and rejected loans, and resourcefully instituted methods for restructuring rejected loans to increase chances for approval, including introduction of counter-offers.
Streamlined internal documentation processing to expedite transactions and offer clients guaranteed 10-day turnaround time.
Montana Mortgage Company, Helena, Montana, 2009 to 2010
Regional Sales & Operations Manager
Spearheaded full-scope branch operations encompassing sales, financial administration, staffing, P&L management, and new business development.
Orchestrated openings of new sites in Montana by establishing and implementing policies and procedures for sales, loan processing, and underwriting operations.
Masterminded marketing strategies and initiatives to promote newly opened sites to community, vital to driving production and market share expansion.
Hired, trained, mentored, coached, and supervised branch staff, conducted performance appraisals, and emphasized team cohesiveness, quality assurance, regulatory compliance, and personal accountability.
Conducted professional development workshops with employees and business partners, and coordinated training programs for loan officers region-wide.
Wells Fargo Home Mortgage, Helena, Montana & Boise, Idaho, 2002 to 2008
Branch Sales Manager II
Effectively helmed all facets of branch operations comprising up to 15 employees and annual closed loan volume of $146M.
Governed P&L accountability, budget preparation and compliance, sales goal attainment, market share growth, profit maximization, community relations, marketing, expense control, and staff leadership.
Concurrently functioned as adjunct professor at local college and real estate schools to promote company awareness within community.
Met with staff individually to evaluate performance, provide constructive feedback and motivation, recognize achievements and contributions, review commission reports, and arrange for ongoing training.
Leveraged polished skills in relationship-building to innovatively secure marketing agreement with one of largest real estate offices in the region.
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