Summary
Overview
Work History
Education
Skills
Certification
Timeline
Generic
Brian Gipson

Brian Gipson

Houston

Summary

Senior Mortgage Loan Officer at Houston Federal Credit Union, achieved #1 Top Producer status in 2024. Specializes in loan origination and client relationship management, consistently surpassing sales targets. Utilized effective negotiation strategies to secure advantageous terms, contributing to substantial business growth while ensuring regulatory compliance. Committed to providing outstanding customer experiences.

Overview

15
15
years of professional experience
1
1
Certification

Work History

Senior Mortgage Loan Officer

Houston Federal Credit Union
Sugar Land
08.2023 - 05.2025
  • Conducted detailed pre-qualification analyses to align borrowers with the most suitable loan products.
  • Guided clients through the full mortgage process, from application to closing, delivering a seamless and positive customer experience.
  • Ensured strict compliance with federal regulations and company policies throughout all loan stages.
  • Negotiated favorable loan terms by leveraging in-depth knowledge of lending guidelines and risk assessment.
  • Consistently exceeded sales targets by cultivating and maintaining a strong professional network within the community.
  • Recognized as the #1 Top Producer, 2024.
  • Evaluated loan applications to determine eligibility and creditworthiness.
  • Guided clients through mortgage options and provided tailored financial advice.
  • Collaborated with underwriting team to streamline loan approval processes.
  • Developed strong relationships with real estate agents, developers, and the Chamber of Commerce to enhance the referral network.
  • Processed challenging loan applications for first-time borrowers, self-employed applicants and borrowers with problematic credit histories.
  • Attended relevant conferences or seminars in order to stay abreast of new developments within the industry.
  • Ensured compliance with federal, state, local laws and regulations related to mortgage lending activities.
  • Communicated regularly with customers about status updates or changes in their loan product options.
  • Monitored progress of each loan application throughout the entire processing cycle.

General Sales Manager

Hollimon Transportation
Houston
06.2019 - 08.2023
  • Implemented sales processes to optimize revenue by analyzing dealer profit potential.
  • Led sales team to achieve monthly targets through effective training and support.
  • Developed strategic marketing plans to increase customer engagement and retention.
  • Analyzed sales data to identify trends and adjust strategies accordingly.
  • Managed inventory levels to ensure optimal inventory availability for customers.
  • Oversaw customer relationship management systems to enhance service delivery.
  • Facilitated regular sales meetings to align team goals and share best practices.
  • Hired and motivated team members, working closely with salespeople and customers to negotiate and close deals.
  • Utilized expert negotiation, closing and marketing skills while ensuring dynamic customer response and follow-up.
  • Identified weaknesses and implemented sales and business practices training to improve performance.
  • Developed and implemented strategies to increase sales revenue.
  • Created weekly and monthly reports on sales performance, goals, and objectives.
  • Maintained accurate records of all transactions in the company's CRM system.
  • Negotiated contracts with vendors and suppliers for better pricing terms.
  • Utilized established sales techniques and persuasive communication skills to meet personal sales objectives.
  • Reduced inventory day supply, driving additional revenue from floor plan credit.
  • Coached, developed and motivated team to achieve revenue goals.

Finance Service Consultant

Penske Automotive Group
Houston
12.2017 - 05.2019
  • Maximized marketing ROI by effectively allocating lead generation budgets and qualifying applicants for loan placement.
  • Increased sales by cultivating relationships with existing clients and building connections with prospective customers; promoted products through print and live media at sales and marketing events.
  • Developed and executed sales strategies, setting ambitious personal goals to drive peak performance.
  • Boosted sales production by 36% through implementation of innovative marketing and sales initiatives.
  • Consistently met or exceeded company sales and gross revenue forecasts while ensuring contracts complied with state and national regulations.
  • Maintained high customer satisfaction levels and generated repeat business and referrals through proactive relationship management.
  • Established and strengthened relationships with top-tier brick-and-mortar lending institutions to expand market reach.
  • Created and executed business plans that delivered significant cost savings by successfully renegotiating contracts.

General Sales Manager

RBF Auto Sales
Houston
10.2015 - 12.2017
  • Maximized marketing ROI by optimizing lead generation budgets and qualifying loan applicants.
  • Increased sales by 36% through innovative strategies and targeted promotional campaigns.
  • Established partnerships with leading lending institutions to drive growth.
  • Ensured compliance with state and national regulations, minimizing risk on all contracts.
  • Created strategic business plans that resulted in significant cost savings via contract renegotiations.
  • Maintained high client retention rates by consistently delivering exceptional service.
  • Executed initiatives to boost team morale, enhance customer service, and increase sales productivity.
  • Analyzed market trends to uncover new business opportunities and address customer needs.

Special Finance Manager

D & M Leasing
Houston
12.2012 - 09.2015
  • Managed lease portfolios and ensured full disclosure of terms, conditions, and compliance with simple interest law contracts.
  • Oversaw client portfolios ranging from $10K to $500K, including corporate and private auto dealerships, individual clients, shareholders, and state officials.
  • Stayed current with emerging industry standards to drive future growth and maintain a competitive edge.
  • Advanced leasing and retail sales by implementing strategic pricing and fostering strong client relationships.
  • Developed a new division through targeted marketing strategies, increasing profitability by 60%.
  • Maintained high client retention by consistently meeting expectations of well-qualified clients.
  • Designed and executed a team-building strategy to boost morale, enhance customer service, and increase sales productivity across the organization.

Special Finance Director

Asbury Auto Group/ McDavid Honda
Houston
05.2010 - 11.2012
  • Department Leadership & Team Development: Managed and grew a secondary finance department, hiring, training, and mentoring staff to achieve top performance.
  • Sales & Revenue Growth: Increased sales production by 49% and led the department to #1 ranking out of 91 franchises through strategic marketing and sales initiatives.
  • Operational Efficiency & Process Optimization: Streamlined inventory management, improved contracts in transit by 79%, and implemented efficient production and funding systems.
  • Financial Forecasting & Performance Management: Forecasted gross revenue and monitored metrics to align with corporate.
  • Compliance & Risk Management: Ensured all contracts met state and national regulations, improving funding turnaround time and minimizing exposure.
  • Strategic Planning & Procedure Development: Developed and implemented standardized processes to enhance department productivity and operational excellence.

Education

Certification - Compliance and Regulatory Training

University of Phoenix
Houston, TX
04.2015

Certification - Business Administration

University of Phoenix
Houston, TX
04.2015

Skills

  • F&I retail sales expertise
  • Financial literacy
  • Results-oriented approach
  • Client relationship management
  • Sales leadership
  • Communication proficiency
  • Negotiation tactics
  • Closing strategies
  • Portfolio oversight
  • Field sales expertise
  • Lead acquisition
  • Business growth initiatives
  • Loan processing expertise
  • Risk evaluation
  • Sales forecasting
  • Risk assessment
  • FHA and VA loan expertise
  • Debt-to-income ratio calculation
  • Conventional loans
  • Jumbo loan handling
  • Credit analysis
  • Business development

Certification

  • AFIP Certification, Association of Finance and Insurance Professionals, Present
  • Customer Service Index Training, Master Level, Present
  • Social Media Marketing and Training, Present
  • Federal NMLS #, Present
  • State Compliance and Regulatory Certification, Present

Timeline

Senior Mortgage Loan Officer

Houston Federal Credit Union
08.2023 - 05.2025

General Sales Manager

Hollimon Transportation
06.2019 - 08.2023

Finance Service Consultant

Penske Automotive Group
12.2017 - 05.2019

General Sales Manager

RBF Auto Sales
10.2015 - 12.2017

Special Finance Manager

D & M Leasing
12.2012 - 09.2015

Special Finance Director

Asbury Auto Group/ McDavid Honda
05.2010 - 11.2012

Certification - Compliance and Regulatory Training

University of Phoenix

Certification - Business Administration

University of Phoenix

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