Cathy Espey
The Woodlands,TX
Summary
Experienced professional dedicated to providing exceptional customer service both outside and inside the organization. Experienced in business-to-business sales, consumer- direct sales, referral-based sales, and account management. Technically competent, critical thinker, conflict resolution skills, hard worker, fast learner, excellent communicator. Enjoys relationship-based philosophies in all positions.
Overview
23
23
years of professional experience
Work History
Consultant
Espey Enterprises
The Woodlands
01.2007 - Current
- Business development services cater to small business owners, with a primary focus on the healthcare sector and assisted living communities. Presently, there is an ongoing long-term project aimed at broadening sales across hospital systems throughout the nation.
- Assisted in the creation and enhancement of sales processes, sales figures, occupancy rates, and customer service standards.
- Conducted product marketing assessments, devised marketing and community relations strategies, and performed client profiling, database development, and employee training.
Loan Partner
Gateway Mortgage Group
The Woodlands
08.2021 - 08.2022
- Provided support to managers, loan officers, and clients in all aspects of mortgage loan originations.
- Assisted Loan Officers with loan origination process and paperwork.
- Provided customer service to borrowers and ensured their questions were answered in a timely manner.
- Researched and verified borrower information, such as income, assets, liabilities, credit history.
- Processed loan applications accurately and efficiently in line with company policies.
- Analyzed financial data to determine risk factors related to potential loans.
- Performed quality control on submitted loan packages for accuracy and completeness.
- Reviewed closing statements for accuracy prior to funding of loans.
- Monitored loan status throughout the entire process from application through closing and funding stages.
- Coordinated with third-party vendors such as appraisers and title companies to ensure timely completion of services required for loan approval.
- Conducted weekly pipeline reviews with Loan Officers to ensure compliance with underwriting guidelines and timelines.
- Updated internal systems regularly to track progress on each file throughout the life cycle of the loan.
- Provided guidance and support to junior team members on various aspects of the loan origination process.
- Developed and maintained relationships with local real estate agents.
- Analyzed applicants' financial status, credit and property evaluations to determine feasibility of granting loans.
Loan Officer
Regions Bank
Conroe
05.2020 - 08.2021
- Originated mortgage loans for all products and serviced bank clients.
- Developed and maintained relationships with potential customers to increase loan business.
- Reviewed credit histories, income statements, and other financial information of loan applicants.
- Counseled clients on debt management and repayment plans.
- Analyzed financial data to determine the feasibility of granting loans.
- Negotiated terms and conditions of loan contracts.
- Verified accuracy of loan documents prior to approval.
- Approved or denied loan applications based on established guidelines.
- Assisted in the development of new products and services for loan customers.
- Explained various types of loans available to customers and their associated terms and conditions.
- Interacted with underwriters, appraisers, title companies. during the processing of a loan application.
- Provided customer service support throughout the entire process from application through closing.
- Maintained current knowledge regarding new laws, regulations, policies, procedures, products, services. related to consumer lending operations.
- Responded promptly to customer inquiries regarding their accounts or other matters related to consumer lending operations.
- Identified opportunities for cross-selling additional products and services.
- Participated in community events to promote bank's consumer lending services.
- Educated customers on variety of loan products and available credit options to promote valuable decision-making.
- Tracked and managed new leads and followed up on referral business.
- Submitted loan applications to underwriter for verification and recommendations.
- Built referral business by meeting with local financial planning, home builders and real estate professionals.
Sales Partner Manager
Gateway Mortgage Group
The Woodlands
03.2018 - 05.2020
- Recruit, train and manage branch employees.
- Developed and implemented sales strategies to increase customer base.
- Established relationships with key clients, while maintaining existing customer base.
- Created and presented monthly reports to management on sales performance.
- Monitored industry trends and competitor activities to stay ahead of the competition.
- Collaborated with marketing team to create promotional materials for target customers.
- Managed daily operations of sales department, including supervision of staff members.
- Trained, coached, and mentored junior sales personnel to ensure success in their roles.
- Conducted regular meetings with staff members to review goals and objectives for the quarter and year.
- Organized trade shows and other events as a means of increasing visibility in the marketplace.
- Assisted senior management in developing long-term strategic goals for the company's growth.
- Created and maintained sales environment to support business objectives.
- Maintained professional network of potential clients and business opportunities.
- Achieved company growth and brand development through market expansion and sales.
- Prospected for new business using databases and other strategies to generate sales.
Mortgage Division National Business Development Manager
Goldwater Bank, NA
Nationwide
12.2013 - 03.2018
- Promoted from Area Manager to National Business Development Manager
- Similar to franchise development sales
- Successfully introduced teams of top recruiters and producers resulting in over $400m in consistent annual funded volume amidst rapid turnovers.
Branch Manager
Criterion Mortgage Services
Spring
12.2012 - 12.2013
- Managed builder owned mortgage company
- Responsible under owner's leadership for production, advertising, marketing and business development for the builder and retail channels as well as loan officer recruiting and training in addition to interim loan underwriting authority, management duties of the Greater Houston area branch.
Business Development Manager
AmeriPro Funding
Texas
06.2010 - 12.2012
- Successfully introduced top producing mortgage branches and originators within the Greater Houston markets
- Similar to franchise development sales
- Top funding BDM in 2012 with over $250m in annual funded volume
- Top funding BDM in 2011 with over $125m in annual funded volume.
Development Manager
MILA
Texas
03.2001 - 04.2007
- Presidents club member consecutively ranked in top 3 within a large national salesforce
- Established wholesale client base
- Introduced a paperless technology process while educating end user clients on proprietary technology ensuring proficiency of product knowledge and company procedures
- Recruited, trained, and mentored top salespeople in Texas who also earned Presidents Club status.
Skills
- Sales
- Sales Management
- Business-to-business Sales
- Consumer- Direct Sales
- Referral-Based Sales
- Account Management
- Technically Competent
- Critical Thinker
- Conflict Resolution Skills
- Negotiation Skills
- Hard worker
- Fast Learner
- Excellent communicator
- Business Development
- Outside Sales
- Inside Sales
- Cold Calling
- Affiliate Marketing
- Referral Generating Sales
- Guest Speaker
- Product Demonstration
- Negotiations
- Recruiting
- Needs Assessment Focused
NMLS State License 1006472 - TX
Mortgage Loan Originator
Timeline
Loan Partner
Gateway Mortgage Group
08.2021 - 08.2022
Loan Officer
Regions Bank
05.2020 - 08.2021
Sales Partner Manager
Gateway Mortgage Group
03.2018 - 05.2020
Mortgage Division National Business Development Manager
Goldwater Bank, NA
12.2013 - 03.2018
Branch Manager
Criterion Mortgage Services
12.2012 - 12.2013
Business Development Manager
AmeriPro Funding
06.2010 - 12.2012
Consultant
Espey Enterprises
01.2007 - Current
Development Manager
MILA
03.2001 - 04.2007
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