Summary
Overview
Work History
Education
Skills
Timeline
Generic

Derrick Sims

Longwood

Summary

Dynamic Licensed Mortgage Loan Originator with extensive experience at MI Financial LLC, excelling in loan analysis and compliance management. Proven track record of guiding clients through tailored mortgage solutions, achieving high client satisfaction. Adept at risk evaluation and fostering strong customer relationships, consistently exceeding performance benchmarks in a competitive market.

Overview

31
31
years of professional experience

Work History

Licensed Mortgage Loan Originator

MI Financial LLC
Lake Mary
04.2015 - 08.2025
  • Evaluated financial documents to determine loan eligibility and risk.
  • Maintained compliance with lending regulations and company policies.
  • Facilitated mortgage applications through comprehensive client consultations.
  • Guided clients in selecting appropriate mortgage products tailored to needs.
  • Educated clients on mortgage processes, ensuring understanding and comfort.
  • Ensured compliance with federal regulations such as Truth-in-Lending Act, Real Estate Settlement Procedures Act, Equal Credit Opportunity Act and Home Mortgage Disclosure Act.

Relationship Banker

JP Morgan Chase Bank, N.A.
01.2010 - 04.2015
  • Generate balance growth through acquiring and deepening relationships.
  • Responsible for selling full range of consumer and business products to current and prospective clients.
  • Provided exceptional personalized customer service as Private Client Banker.
  • Helped open new build branch and maintain performance level 1 status.
  • Cultivated client relationships to enhance customer satisfaction and loyalty.
  • Provided tailored financial solutions to meet diverse client needs.
  • Managed account maintenance and resolved customer inquiries efficiently.
  • Promoted digital banking tools to improve client engagement and accessibility.

Loan Officer

JP Morgan Chase Bank, N.A.
01.2009 - 01.2010
  • Covered several branches for Central Florida originating loans through leads generated by phone solicitation, Banker referrals, Realtor contacts and outside relationships.
  • Maintained high pull through ratio and consistently met funding volume and application goals.
  • Trained new loan officers on Chase systems and products and covered different branches going through employee transitions.
  • Approximately 50% of originations were purchase loans.

Wholesale Mortgage Account Executive

Bear Stearns & Co.
01.2005 - 01.2007
  • Specialized in Alt-A and Subprime loan origination.
  • Created strong foundations within the mortgage broker community by increasing client loan origination volume.
  • Built and maintained relationships through product knowledge.
  • Maintained service benchmarks set by the company.
  • Increased territory volume by 30% within a limited time.

Wholesale Mortgage Account Executive

Southstar Funding
01.2001 - 01.2005
  • Top producer in the region. Funding over $3 to $7 million per month.
  • Responsible for the development of accounts and presenting products and services to mortgage brokers.
  • Implemented new real time decision software.
  • Trained employees on how to utilize software for tracking and quality control.

Branch Manager

Bank of America Corp.
01.1995 - 01.2001
  • Originated sub prime and second lien mortgages through an established base of mortgage brokers.
  • Promoted from Associate Manager to Branch Manager.
  • Responsible for originating and underwriting over $4 million per month in loan volume.
  • Responsible for the successful operation of the entire branch.
  • Hired, trained and supervised a team of 10 people.
  • Consistently exceeded monthly production quotas.

Education

Bachelor of Arts - Communications

University of Central Florida
Orlando, FL
01.1993

Skills

  • Loan analysis
  • Compliance management
  • Mortgage product knowledge
  • Risk evaluation
  • Financial documentation
  • Customer relationship management

Timeline

Licensed Mortgage Loan Originator

MI Financial LLC
04.2015 - 08.2025

Relationship Banker

JP Morgan Chase Bank, N.A.
01.2010 - 04.2015

Loan Officer

JP Morgan Chase Bank, N.A.
01.2009 - 01.2010

Wholesale Mortgage Account Executive

Bear Stearns & Co.
01.2005 - 01.2007

Wholesale Mortgage Account Executive

Southstar Funding
01.2001 - 01.2005

Branch Manager

Bank of America Corp.
01.1995 - 01.2001

Bachelor of Arts - Communications

University of Central Florida

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