Brendon Dumas
Orlando,Florida
Summary
The mortgage industry operates on a results-driven basis, to which I am unequivocally dedicated. Leveraging my profound experience as a seasoned Mortgage Loan Officer and Branch Manager, along with my comprehensive understanding of mortgage guidelines across various product offerings, I adeptly confront challenges with innovation, securing approvals where others see only obstacles.
As a specialist in residential mortgage lending, I have not only formed but also led successful teams, enhancing approval rates and exceeding performance targets through strategic, goal-oriented leadership and effective management of referral relationships. I operate under what I term the "Four R Rule": Results + Relationships + Referrals = Revenue. This philosophy, when combined with industry best practices, has consistently delivered proven success.
Overview
8
8
years of professional experience
Work History
Mortgage Loan Officer
American Pacific Mortgage Corporation
12.2022 - Current
- Built a new branch for APM, to expand market share within central Florida.
- Developed extensive network of referral partners to source new mortgage loan opportunities.
- Communicated with clients, processing teams and other third parties to achieve prompt loan closings.
- Analyzed loan applications and credit reports to determine loan eligibility and risk level.
- Worked with underwriters to fix application problems and resolve issues.
- Provided support during audits to ensure compliance with federal and state regulations, contributing to a strong company reputation.
- Mentored junior loan officers to improve team performance and meet organizational goals.
- Increased loan approval rates by meticulously evaluating applicant financial data and advising on best practices for credit improvement.
Producing Branch Manager
Cardinal Financial Company
07.2020 - 12.2022
- Continuously monitored branch performance against key performance indicators, taking corrective actions as needed to ensure objectives were met or exceeded.
- Improved customer satisfaction ratings by enhancing service quality and resolving client issues promptly.
- Oversaw daily operations for streamlined efficiency, ensuring timely execution of tasks and optimal resource allocation.
- Maintained friendly and professional customer interactions.
- Managed branch financials including budgeting, forecasting, and expense tracking for accurate reporting and decision-making support.
- Complied with regulatory guidelines and requirements.
- Interviewed and hired talented individuals with top-level strengths, improving organizational talent, and skill set.
- Checked payroll, vendor payments, commissions and other accounting disbursements for accuracy and compliance.
- Oversaw the underwriting process, ensuring timely loan approvals and adherence to regulatory guidelines.
Branch Manager
Finance of America Mortgage LLC
12.2016 - 07.2020
- Interviewed and hired talented individuals with top-level strengths, improving organizational talent, and skill set.
- Collaborated with senior leadership on strategic planning initiatives to align branch objectives with corporate goals.
- Enhanced staff competency with regular training sessions, boosting productivity levels across the branch operations.
- Developed a high-performing team through targeted recruitment, training, and performance management initiatives.
- Examined customer loan applications for loan approvals and denials.
- Coordinated marketing campaigns tailored towards target audience segments resulting in increased brand awareness within the local community.
- Strengthened relationships with key clients, securing long-term partnerships and driving revenue growth.
- Fostered culture of excellence and accountability, resulting in branch consistently exceeding performance targets.
- Spearheaded community outreach programs, reinforcing branch's commitment to social responsibility and building community ties.
Education
Associate of Arts - Finance
Northwest Florida State College
Fort Walton Beach, FL09-1999
Skills
- Goal oriented
- Relationship selling
- Loan origination
- Residential mortgage lending regulations
- Desktop underwriter expert
- Staff management
- Proficient with programs; Encompass, Desktop Underwriter, Credit Expert, CRM Lead Management Software, Microsoft Word
- Extensive knowledge with mortgage products; FHA, Conventional, VA, USDA, Jumbo, Foreign National, Investor Portfolio, & many more
Timeline
Mortgage Loan Officer
American Pacific Mortgage Corporation
12.2022 - Current
Producing Branch Manager
Cardinal Financial Company
07.2020 - 12.2022
Branch Manager
Finance of America Mortgage LLC
12.2016 - 07.2020
Associate of Arts - Finance
Northwest Florida State College
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