Debra Archer
Highlands Ranch,CO
Summary
Seasoned financial manager with broad experience in budgeting, forecasting, and strategic planning. Skilled in optimizing financial processes and leading teams to exceed corporate goals through innovative strategies and efficient resource allocation. Proven track record of enhancing operational efficiency and financial health within diverse organizations. Demonstrated ability to analyze complex financial data and recommend actionable solutions that drive growth and profitability.
Overview
1
1
Certification
27
27
years of professional experience
Work History
Mortgage Branch Manager
Wells Fargo Home Mortgage
Denver, Colorado
08.2023 - Current
- Daily oversight of diverse sales team including Private Mortgage Bankers and Community Mortgage Bankers.
- Full cycle recruiting, training and management of sales producers.
- Developed and implemented strategies that enhanced branch performance and profitability. Achieved highest productivity rating in both total productivity and purchase productivity.
- Developed branch business plans aligned with home mortgage growth goals.
- Established sales quotas and tracked progress to ensure goal attainment.
- Coached loan officers on mortgage products and guidelines to improve customer interactions and efficiency.
- Built referral relationships with real estate agents and financial partners. Achieved 25% YOY improvement in capture with Wealth partners.
- Monitored loan pipelines for timely processing, underwriting, and closing support.
VP of Mortgage Lending
Guaranteed Rate Affinity
Highlands Ranch, CO
10.2020 - Current
- Achieved 100% NPS customer satisfaction scores for 2021 and 2022.
- Influenced sales process and client management, driving 90% YOY increase in personal capture rate with an assigned Realtor office.
- Managed full cycle loan and borrower processes with minimal touches, ensuring efficient origination and processing functions.
- Expert knowledge of Conventional, FHA, VA, Non-conforming/Jumbo, FHA mortgage programs to include lending guideline framework, pricing strategy, loan structure and client benefits.
Home Mortgage Consultant
Wells Fargo
Highlands Ranch, CO
05.2014 - 10.2020
- Ranked in the top 5 percentile for purchase production in Metro Denver in 2016, 2017, 2018, 2019, and year to date 2020.
- Expert knowledge of Conventional, FHA, VA, Non-conforming/Jumbo, FHA mortgage origination to include pricing models, loan structure and client benefit.
- Managed national builder and custom builder accounts, achieving high customer satisfaction and strong pull-through rates.
- Surpassed branch profitability goals while maintaining high credit quality and compliance standards.
- Achieved effective full cycle loan process and borrower management end to end management of origination and processing functions.
Branch Operations Manager
Cherry Creek Mortgage
Englewood, CO
06.2012 - 05.2014
- Managed end-to-end origination, processing, and closing functions, ensuring timely guarantees and fostering client loyalty.
- Oversaw sales and branch profitability goals, credit analysis, compliance, and quality management.
- Efficient management of production pipeline for top producing branch resulting in 30% YOY production increase and pull through.
- Demonstrated expertise in origination processes for Conventional, FHA, VA, Non-conforming, and HFA products.
AVP, Branch Operations Manager
Bank of America
Denver
08.2009 - 06.2012
- Ranked within the top 5 percentile for branch scorecard results YOY including loan quality, FTE, compliance, production and client service ratings.
- Achieved top quality site award by executing workflow processes and overseeing quality goals for underwriting, processing, and closing teams in retail lending channel.
- Managed transition to electronic workflow, streamlining operations and enhancing team efficiency.
- Obtained Conventional Level 3 underwriting authority, enabling oversight of non-conforming portfolio products.
AVP, Branch Operations Manager
Interbay Funding, LLC
Denver, CO
03.2007 - 05.2008
- Designed and managed start-up process for a full service Regional Operations Center servicing the West coast region.
- Designed and managed daily workflow process and quality activities for Underwriting, Processing, Closing and Funding teams resulting in 100% rating on all internal operational risk audits.
- Increased forecasted production goals by 75% through effective management of process, conversion, FTE benchmarks, and service.
- Achieved expert knowledge of small balance commercial credit qualification requirements, collateral analysis and loan structuring while serving as a collateral due diligence underwriter for Western Region.
- Managed full cycle recruiting, hiring, and training processes for new employees, enhancing team capability.
Regional Operations MGR
Aegis Wholesale Corp
Greenwood Village
01.2006 - 02.2007
- Led start-up process for Western Ops Center, overseeing technology and facilities installation, recruiting, and training.
- Created, implemented and monitored a workflow model, production benchmarks and service platform to maximize efficiency of FTE, conversion/pull through and profitability.
- Developed and implemented workflow model and production benchmarks to enhance efficiency of FTE, conversion/pull through, and profitability.
- Acted as Credit Officer with exception autonomy to $850,000.00.
Regional Manager
Lehman Brothers Mortgage Capital
Denver
02.2000 - 01.2006
- Effectively managed business development and sales growth of a 6 state region resulting in a 150% increase in forecasted total unit and volume production YOY. Direct P&L responsibility for the regional cost center employing staff of 100 FTE.
- Managed daily operations and due diligence for wholesale sales teams across CO, AZ, NV, UT, NM, and OK, while ensuring alignment with regional goals.
- Directed full cycle management of recruiting, training, performance management, and business development, while overseeing profitability and HR functions with credit authority of $1,000,000.
Education
B.S. - Business Administration
University of Colorado
12-1993
Skills
- Loan origination
- Mortgage underwriting expertise
- Risk Assessment
- Sales forecasting
- Client Relationship Management
- People and Process Management
- Business Development
- B2B sales
- Marketing Strategy Development
- Strategic planning
- Operational Efficiency
Personal Information
Title: Financial Sales, Marketing and Client Service Professional
Certification
NMLS #514805, CO Originator #100043786, UST Certified
Timeline
Mortgage Branch Manager
Wells Fargo Home Mortgage
08.2023 - Current
VP of Mortgage Lending
Guaranteed Rate Affinity
10.2020 - Current
Home Mortgage Consultant
Wells Fargo
05.2014 - 10.2020
Branch Operations Manager
Cherry Creek Mortgage
06.2012 - 05.2014
AVP, Branch Operations Manager
Bank of America
08.2009 - 06.2012
AVP, Branch Operations Manager
Interbay Funding, LLC
03.2007 - 05.2008
Regional Operations MGR
Aegis Wholesale Corp
01.2006 - 02.2007
Regional Manager
Lehman Brothers Mortgage Capital
02.2000 - 01.2006
B.S. - Business Administration
University of Colorado