Caleb Bryant
Waukesha,WI
Summary
Organized and self-motivated Mortgage Originator with over 20 years of experience in mortgage origination, processing, and closings. Well versed in the art of packaging a high quality and complete loan file that is able to close with little to no conditions from underwriting. With experience obtained from owning a mortgage brokerage firm, I certainly understand the dynamics of direct customer relations and how that effects reputation and repeat business. An emphasis on being thorough, detailed, and problem solving are required in order to excel above the competition. Anticipation of the underwriter's perspective is a great way to avoid obstacles in processing the file.
Overview
24
24
years of professional experience
Work History
Home Mortgage Consultant
Wells Fargo Home Mortgage
Milwaukee, WI
01.2017 - 03.2022
- Researched complex financial issues related to mortgages and provided solutions as needed.
- Participated in trade shows and other industry events as necessary.
- Conducted seminars on topics such as budgeting basics or first-time home buying tips.
- Ensured compliance with all federal and state laws governing mortgage lending activities.
- Processed mortgage loan applications from origination to closing.
- Attended closings so as to assist settlement agents in customer understanding of mortgage closing documents
Caretaker
John J. Bryant Trust III
Delafield, WI
04.2010 - 05.2016
- John J. Bryant was my Great-Uncle. In 2010, his physical and mental state required 24 hour care. I stepped in to assist and perform these caretaking duties for my Great-Uncle in his time of need.
Mortgage Loan Originator
Reliant Bancorp, Inc.
Oconomowoc, WI
06.2007 - 03.2010
- Adhered to all federal and state compliance guidelines relative to retail mortgage lending. Interviewed an average of 20 mortgage loan applicants per month. Performed daily maintenance of the loan applicant database. Analyzed applicants' financial status, credit and property evaluation to determine feasibility of granting loan. Determined appropriate rate locks,as well as issuance of disclosures. Educated customers on the variety of loan products and available credit options. Executed the loan origination process, including ordering credit reports, appraisals and preliminary title reports. Built knowledge about latest banking products and services through VA, FHA, and USDA certifications.
Owner/Managing Member
American Financial Services, LLC d/b/a Radiant Mortgage
Kenosha, WI
04.2001 - 06.2007
- Owned and oversaw the day to day operations of a mortgage brokerage firm. Managed a pipeline of 40-50+ mortgage loan applications at any given time, assuring a smooth progression to closing. Maintained compliance with all state and federal requirements for a mortgage brokerage firm. Managed 15-20 employees at any given time, overseeing payroll and additional managerial requirements.
Mortgage Loan Originator
Midwest Mortgage, LLC
Mequon, WI
06.1999 - 03.2001
- Originated purchase and refinance mortgages for a firm with both retail and wholesale capability. If a loan could not be offered retail, then it could be brokered out to one of the many wholesale lenders we worked with. Made decisions on whether a loan qualified for conventional, Government, or subprime financing. Processed my own loans to closing, dealing directly with the clients, obtaining all needed documentation in order to submit a complete loan package. Became knowledgeable in not only the lender's own underwriting guidelines, but also over 40 different other lender's underwriting guidelines in order to determine if a loan might be eligible for a brokered closing.
Mortgage Loan Originator/Foreclosure Specialist
Bayshore Mortgage, LLC
Milwaukee, WI
03.1998 - 05.1999
- Became very confident and able talking with clients on the phone, as I originally started as a telemarketer for this company. After 6 months of telemarketing, I was trained to work specifically under a foreclosure specialist, assisting in obtaining documentation and speaking with clients. In working with such difficult types of loan applications (credit, appraisal, and title issues), I learned what issues can be solved and how to solve them, as well as what issues cannot be solved, minimizing wasted time on loan files that will not close. I obtained the ability and know how in obtaining alternative documentation in order to satisfy an underwriting condition. In just 3 months of assisting this foreclosure specialist, I became a licensed loan originator myself.
Education
High School Diploma - N/A
Jefferson High School
1995
Skills
- Proficient with Encompass and/or Calyx Point loan origination software, in addition to Wells Fargo proprietary LOS
- Customer service-focused
- Sales expertise
- Knowledge of all varieties of loan products, including conforming, non-conforming/Jumbo, portfolio, government (FHA/VA/USDA/Wheda), Bond/DPA, construction, and yes, sub-prime (albeit fairly obsolete)
- Excellent communicator
- Friendly/Upbeat and positive
- Detail-oriented
- Analytical
- Reliable
- Honest
Accomplishments
In 2001, after only 3 years of originating mortgages, I started my own Mortgage Brokerage firm (American Financial Services, LLC d/b/a Radiant Mortgage in Kenosha, WI). Within 3 years, this firm closed the most volume, per month, of any mortgage brokerage in the Kenosha area. This was accomplished by employing and managing 20 employees, including 15 loan originators. During this time, I implemented several strategies that successfully increased sales and improved client retention rates. Additionally, I handled all of the training of any new loan originators or processors. Built and managed a self sourcing telemarketing department, adhering to and adapting to the evolving laws, at the time, regarding such business.
Affiliations
- currently involved in pursuing education of financial investing strategies, assets, fundamental analysis, technical analysis, and macroeconomics.
Work Preference
Work Type
Full TimePart TimeWork Location
RemoteImportant To Me
Work-life balanceFlexible work hoursWork from home optionQuote
"Ambition is the path to success. Persistence is the vehicle you arrive in."
Bill Bradley
Day Trading/Financial Investment Analysis
Fundamental and Technical Analysis of Stocks, Futures, and Forex markets. I find the world market and global economies fascinating. It's a complex puzzle that I enjoy trying to figure out.
Timeline
Home Mortgage Consultant
Wells Fargo Home Mortgage
01.2017 - 03.2022
Caretaker
John J. Bryant Trust III
04.2010 - 05.2016
Mortgage Loan Originator
Reliant Bancorp, Inc.
06.2007 - 03.2010
Owner/Managing Member
American Financial Services, LLC d/b/a Radiant Mortgage
04.2001 - 06.2007
Mortgage Loan Originator
Midwest Mortgage, LLC
06.1999 - 03.2001
Mortgage Loan Originator/Foreclosure Specialist
Bayshore Mortgage, LLC
03.1998 - 05.1999
High School Diploma - N/A
Jefferson High School
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