Curtis Garrett
Naples,FL
Summary
Results-oriented banking and lending sales professional seeking opportunity to leverage excellent communication skills, confident decision-making, and commitment to excellent customer service. Equipped with strong problem-solving abilities, willingness to learn, and exceptional communication skills. Poised to contribute to team success and achieve positive results. Ready to tackle new challenges and advance organizational objectives with dedication and enthusiasm. Proven track record in loan consulting, known for thorough client assessments and delivering tailored loan solutions. Values team collaboration and consistently adapts to changing financial landscapes, ensuring reliable and effective results.
Overview
29
29
years of professional experience
Work History
Sr. Loan Consultant
Ally Bank
09.2019 - 03.2023
- Structuring inbound calls and making a high volume of outbound follow up calls
- Ability to engage and initiate the sales cycle with a customer who has applied for a loan or inquiring for the first time
- Assisting customers who need additional items that prevent the sales cycle from moving forward
- Capacity to understand lending partner programs and work with underwriting when required
- Cross sold GAP and extended service contracts
- Consistently in the top 3 for monthly production
- Multiple monthly and quarterly production awards and 5 star customer surveys
MLO
AAG
06.2019 - 09.2019
- Consult with customers about their financial situation, personal objectives and lending needs for the purpose of helping them determine suitability and eligibility for reverse mortgage products
- This includes collecting and analyzing information about the customer's current financial picture, personal objectives, plans for the future, income, assets, debts, cash flow, and credit history
- Made recommendations, presented/sold plan and followed up through loan closing
HLO
Citibank Mortgage
12.2018 - 06.2019
- Consult with customers about their financial situation, personal objectives and lending needs for the purpose of helping them achieve their home ownership goals
- This includes collecting and analyzing information about the customer's financial situation, financial and personal objectives, tolerance for risk and change, plans for the future, income, assets, debts, cash flow, and credit history
- Analyzed financial information for customers to make an initial assessment regarding whether the customer and the property may qualify for a particular lending structure
MLO
KB Home Loans
06.2018 - 12.2018
- Prequalified a large volume of new home prospects
- Ability to connect and build relationships with prospective clients over the phone and in person
- Extensive jumbo, Conventional, FHA and VA loan experience
- Focused on submitting high quality properly packaged and structured loan files
MLO
Tri Pointe Homes
07.2016 - 01.2018
- Prequalified a large volume of new home prospects
- Ability to quickly connect and build relationships with prospective clients over the phone
- Extensive jumbo, Conventional FHA and VA loan experience
- Focused on submitting high quality properly packaged files
- Ability to solve problems independently and manage 40 to 50 files while maintaining high capture, pull through and customer satisfaction scores
- Funded over 10 million in 1 month, 100% purchase
MLO
Bank of America Home Loans
03.2015 - 03.2016
- Working with prospective and existing bank clients to provide financial solutions through lending and companion products that require complex financial analysis and sales techniques
- Responsible for mortgage sales goals for one retail banking center and for cross selling maximum amount of companion products
- Solicited loans from all sources possible, including Real Estate Professionals, past clients and network contacts
Private Mortgage Banker
Wells Fargo Private Mortgage Bank
02.2014 - 07.2014
- Responsible for producing high quality loans that meet Wells Fargo Home Mortgage guidelines by building relationships with affluent borrowers, realtors, builders, financial professionals, bank stores, and personal book of business
- Also, responsible for processing and pre-underwriting loans
- Working closely with Wells Fargo Wealth Advisers to determine client needs and recommend complimentary products
- Maintained a high level of attention to detail when reviewing loan documents for accuracy and completeness.
MLO
Bank of America Home Loans
05.2013 - 02.2014
- Working with prospective and existing bank clients to provide financial solutions through lending and companion products that require complex financial analysis and sales techniques
- Responsible for mortgage sales goals for one retail banking center and for cross selling maximum amount of companion products
- Worked effectively in fast-paced environments.
MLO
US Bank Home Mortgage
04.2012 - 04.2013
- Responsible for funding goals of three South Orange County Banking Centers
- Inside and outside sales activities were performed to originate loans from all sources including real estate agents, bank clients and individual prospecting
MLO
Prime lending
01.2012 - 04.2012
- Originated loans from my existing client database and Realtor referrals primarily through outbound phone prospecting and appointment setting
MLO
Bank of America Home loans
04.2009 - 01.2012
- Two-time recipient of Top Performer Award
- Platinum award level for top 5% in 2010
Broker
Monex
01.2008 - 12.2008
- Built a book of business by opening new trading accounts
- This was achieved by aggressive sales practices and contact management
- Explained and sold the benefits and potential return of leveraged precious metal commodity trading accounts
- Over 200% of new account goal achieved first six months
MLO
Washington Mutual
01.2006 - 12.2007
- Originated loans from my existing client database and Washington Mutual customers primarily through outbound phone prospecting
MLC
Wells Fargo Bank
01.2004 - 12.2006
- Originated loans from my existing client database, Wells Fargo Bank Customers and real estate agents
- Ten-time recipient of Monthly Outstanding Sales Award for being in the top 10% nationally in total dollar volume funded
Bank Branch Loan Officer
Bank of America
01.1994 - 12.2004
- Originated loans from all possible sources including real estate agents, Bank Branch referrals, and individual prospecting
- 1995 Annual Gold Club, 121% of Goal Achieved
- 1996 Annual Gold Club, 142% of Goal Achieved
Vice President – Wholesale Account Executive
Bank of America
06.2003 - 10.2004
- Established over fifty new accounts in less than four months by aggressively contacting prospects, setting appointments and giving presentations
- Maintained accounts by contact management and consulting with mortgage brokers to structure, price, originate, process and fund mortgage loans
Vice President – Retail Account Executive
Bank of America
01.1994 - 05.2003
- Originating loans from existing Bank of America customers and clientele of Orange County's highest producing real estate agents
- Ranked #1 in Orange County for Sales Volume – 2001, 2002
- Platinum Club Member – 1998, 1999, 2000, 2002 (top 5% in company nationally)
Assistant Vice President – Financial Relationship Manager
Bank of America
01.1994 - 12.1995
- Focused on developing and deepening relationships with the bank's most valued clients
- Responsible for exceeding weekly performance goals for all the banks financial services including; real estate loans, consumer loans, credit cards, credit life/disability insurance, and deposit/ investment products
- This is achieved by proactively contacting clients and analyzing financial profiles to assess needs
- 121% of Goal Achieved 1995, awarded Annual Gold Club status 1995
- 142% of Goal Achieved 1996
Education
Bachelor of Arts - Liberal Studies/Economics
CSULB
Long Beach, CA05.1990
Skills
- Friendly, Positive Attitude
- Teamwork and Collaboration
- Customer Service
- Problem-Solving
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Work Preference
Work Type
Full TimeWork Location
RemoteTimeline
Sr. Loan Consultant
Ally Bank
09.2019 - 03.2023
MLO
AAG
06.2019 - 09.2019
HLO
Citibank Mortgage
12.2018 - 06.2019
MLO
KB Home Loans
06.2018 - 12.2018
MLO
Tri Pointe Homes
07.2016 - 01.2018
MLO
Bank of America Home Loans
03.2015 - 03.2016
Private Mortgage Banker
Wells Fargo Private Mortgage Bank
02.2014 - 07.2014
MLO
Bank of America Home Loans
05.2013 - 02.2014
MLO
US Bank Home Mortgage
04.2012 - 04.2013
MLO
Prime lending
01.2012 - 04.2012
MLO
Bank of America Home loans
04.2009 - 01.2012
Broker
Monex
01.2008 - 12.2008
MLO
Washington Mutual
01.2006 - 12.2007
MLC
Wells Fargo Bank
01.2004 - 12.2006
Vice President – Wholesale Account Executive
Bank of America
06.2003 - 10.2004
Bank Branch Loan Officer
Bank of America
01.1994 - 12.2004
Vice President – Retail Account Executive
Bank of America
01.1994 - 05.2003
Assistant Vice President – Financial Relationship Manager
Bank of America
01.1994 - 12.1995
Bachelor of Arts - Liberal Studies/Economics
CSULB
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