Mortgage executive with 20+ years of experience in strategic initiatives, branch P&L management, and cross-functional operations. Proven track record aligning corporate strategy with execution, implementing process improvements, and managing origination and fulfillment teams. Strong blend of executive leadership and hands-on branch experience, with expertise in project management, outsourcing/vendor oversight, compliance, and operational metrics.
• Sales Leadership & Team Performance: Lead a team of loan officers by setting production goals, monitoring pipelines, and coaching staff to consistently exceed sales targets.
• Loan Origination: Personally originate residential mortgage loans across Conventional, FHA, VA, USDA, and Non-QM products, maintaining high production standards and ensuring compliance with investor and regulatory guidelines.
• Recruitment & Onboarding: Recruit, hire, and develop top-producing loan officers and support staff. Provide ongoing mentorship, performance reviews, and training to build a high-performing sales culture.
• Business Development & Market Growth: Build and maintain referral relationships with Realtors®, builders, financial advisors, and attorneys to expand the branch’s market share and grow the sales pipeline.
• Operational Excellence & Compliance Oversight: Ensure adherence to all company policies, investor requirements, and state/federal compliance standards through regular audits and staff training.
• Profitability & Financial Management: Partner with leadership to align branch financials with company objectives, managing revenue growth, expense control, and overall profitability.
• Marketing & Community Engagement: Implement and support marketing initiatives to increase brand visibility through digital campaigns, events, and community outreach.
• Strategic Collaboration: Work closely with corporate leadership to align branch sales strategies with overall company goals, providing feedback and insights to influence broader growth initiatives.
• Strategic Market Expansion: Provided leadership to launch and grow operations in the Philadelphia market, conducting cost-benefit analysis, market infiltration studies, and site selection to maximize new hires and sales growth.
• Office Development & Negotiations: Negotiated leases and subleases for new and existing branch offices, leveraging expertise in NJ/PA markets to secure favorable terms and support expansion.
• Sales Strategy & Revenue Growth: Created and implemented strategies to increase market share and expand services, contributing to year-over-year revenue growth and supporting national expansion efforts.
• Profit & Loss Management: Held full responsibility for branch financial performance, including revenue, expenses, commissions, payroll, marketing, and overall budgeting, in partnership with Corporate Accounting.
• Recruitment & Team Development: Recruited, hired, trained, and developed staff across origination, processing, underwriting, compliance, closing, and licensing, ensuring operational excellence and regulatory compliance.
• Business Development & Partnerships: Built and sustained referral networks with attorneys, accountants, Realtors, builders, title companies, and other partners to drive business growth.
• Loan Origination: Personally originated residential mortgage loans, guiding clients through product selection, documentation, and compliance requirements to ensure successful approvals.