CHRISTOPHER SCHMIDT
Moseley,Virginia
Summary
Accomplished finance professional with 17 years of experience, including 12 years in mortgage lending and banking. Currently generating $1M+ monthly in asset and banking business referrals as a Senior Premier Banker. Previously with Morgan Stanley, guiding high-net-worth clients through complex mortgage transactions and delivering tailored lending solutions. Brings deep mortgage product knowledge, strong business development experience, and a client-first approach with a proven ability to lead teams, uphold service standards, and build relationships that drive business growth.
Overview
1
1
Certification
20
20
years of professional experience
Work History
Senior Premier Banker
Wells Fargo
Richmond, Virginia
02.2024 - Current
- Generating $1M+ per month in client asset referrals and banking business.
- Supporting new affluent business through relationship building, referrals, networking, and identifying opportunities to grow existing client relationships.
- Guiding clients through complex financial decisions with client-first approach, understanding goals and recommending tailored solutions aligned with needs.
- Working closely with internal specialists and business teams to build comprehensive solutions and deliver right financial products and services for each client.
- Staying current on changing banking regulations, industry requirements, and technology to provide informed guidance and position bank products and services effectively.
AVP, High Net Worth Relationship Manager
Morgan Stanley
Remote
07.2021 - 12.2023
- Managed $20m+ monthly mortgage pipeline for high-net-worth clients and referral partners.
- Supported high-net-worth mortgage relationships with tailored guidance and consistent client communication throughout lending process.
- Built new mortgage business through referrals and network of financial advisors, attorneys, real estate professionals, and other referral sources.
- Guided clients through complex mortgage choices, developed tailored lending plans, and tracked transactions from first consultation through closing.
- Worked with financial advisors and internal teams to coordinate lending solutions, address issues, and deliver a seamless client experience.
Mortgage Loan Processor
Main Street Home Loans
Richmond, Virginia
10.2019 - 07.2021
- Managed client relationships throughout the mortgage process, serving as a consistent point of contact from application through closing and guiding clients through complex financing needs.
- Reviewed complex financial information and loan documentation to identify client needs, resolve issues, and keep transactions moving accurately and efficiently.
- Partnered with clients, underwriters, processors, and closing teams to coordinate priorities, resolve challenges, and ensure timely progression of mortgage transactions.
- Generated new loan clients through networking and referral programs.
Mortgage Loan Processor
Pentagon Federal Credit Union
Remote
02.2016 - 11.2019
- Developed individualized approaches to member needs, translating financial information and lending requirements into clear guidance to help members navigate complex decisions.
- Led a team of loan processors, providing training and oversight to maintain adherence to lending policies, and member satisfaction.
Loan Officer and Mortgage Loan Processor
First Heritage Mortgage
Richmond , VA
05.2015 - 12.2015
- Expanded Richmond market through strategic client relationship building, earning recognition from branch and senior leadership for effective business development.
Loan Officer
1st Mariner Mortgage
Richmond, Virginia
03.2014 - 02.2015
- Established Richmond division, initiating local presence and developing relationships that supported company expansion into market.
- Developed new business connections and collaborated with internal partners to convert emerging opportunities into productive client relationships.
Reporting Foundation Specialist
Universal Health Services
Richmond, Virginia
04.2011 - 03.2014
- Collaborated with internal departments to address financial workflow issues, enhance communication, and ensure accuracy in revenue cycle operations.
Travel Customer Associate
Mondial Assistance
Richmond, Virginia
11.2010 - 04.2011
- Guided clients through complex insurance issues by communicating policy requirements, resolving documentation challenges, and delivering responsive service in a high-volume environment.
Project Manager and Sales Representative
Capital City Contracting
Richmond, Virginia
01.2010 - 11.2010
- Cultivated client relationships through consultative sales, aligning project goals with tailored recommendations.
- Collaborated with company leadership to identify growth opportunities.
Inventory Logistics Manager
Commonwealth Surgical Solutions
08.2008 - 09.2009
- Managed inventory and logistics operations, developed systems to enhance organization and accuracy in day-to-day business operations.
Credit Margin Specialist
Wachovia Securities
08.2006 - 08.2008
- Analyzed client account activity and financial data, resolved complex issues through collaboration with branch managers, traders, and other internal teams, ensuring compliance with regulatory and risk standards.
Education
Bachelor of Science - Business Administration
Bridgewater College
Bridgewater, VA05-2006
Skills
- High-net-worth relationship management
- Loan product expertise
- Business development
- Financial guidance & advisory
- Team Leadership
- Pipeline management
- Project & Process management
- Regulatory compliance & risk assessment
- Cross-functional collaboration
- Proficiency in Microsoft Suite, Google Workspace, Mortgage, & CRM Technologies
Certification
- Securities Industry Essentials Examination, Series 6 Investment Company Products/Variable Contracts Representative Examination, Series 63 Uniform Securities Agent State Law Examination, Series 65 Uniform Investment Adviser Law Examination, Virginia Life, Health, and Annuities Examination, VA State and Federal NMLS licensed, Licensed Public Notary State of Virginia
CONTINUING PROFESSIONAL DEVELOPMENT
- Continuing Certifications, Education, and pursuing MBA
Timeline
Senior Premier Banker
Wells Fargo
02.2024 - Current
AVP, High Net Worth Relationship Manager
Morgan Stanley
07.2021 - 12.2023
Mortgage Loan Processor
Main Street Home Loans
10.2019 - 07.2021
Mortgage Loan Processor
Pentagon Federal Credit Union
02.2016 - 11.2019
Loan Officer and Mortgage Loan Processor
First Heritage Mortgage
05.2015 - 12.2015
Loan Officer
1st Mariner Mortgage
03.2014 - 02.2015
Reporting Foundation Specialist
Universal Health Services
04.2011 - 03.2014
Travel Customer Associate
Mondial Assistance
11.2010 - 04.2011
Project Manager and Sales Representative
Capital City Contracting
01.2010 - 11.2010
Inventory Logistics Manager
Commonwealth Surgical Solutions
08.2008 - 09.2009
Credit Margin Specialist
Wachovia Securities
08.2006 - 08.2008
Bachelor of Science - Business Administration
Bridgewater College