Desmond Morgan
Livonia,United States
Summary
With a decade of navigating the intricate landscape of mortgage lending, I bring a versatile skill set honed through roles as a mortgage loan officer, mortgage broker, team captain, account executive, and entrepreneur. My journey in the industry has been marked by a commitment to excellence and a knack for being solution focused on client objectives. As a dynamic addition to your team, I blend seasoned expertise with a refreshing approach, ensuring that every day feels like a new opportunity to excel in a vibrant and collaborative environment.
Overview
16
16
years of professional experience
1
1
Certificate
Work History
Senior Mortgage Loan Originator/Owner
Market Street Mortgage LLC
10.2019 - 01.2024
- Cultivate client relationships, analyze financial situations, secure competitive loan options, and oversee end-to-end mortgage loan process
- Communicate and negotiate with loan applicants, clients, realtors, title companies, lenders and parties involved in the transaction
- Daily strategic business planning and ensuring adherence to all mortgage compliance, rules and guidelines.
- Streamline loan application process for smoother transactions, resulting in improved client satisfaction.
- Increased mortgage loan production by developing and maintaining strong relationships with realtors, builders, and clients.
- Assist clients in selecting appropriate mortgage products based on their financial needs and goals.
- Maintain thorough knowledge of lending programs, industry standards, and guidelines to effectively advise clients.
- Negotiate favorable terms for clients with various lenders, ensuring optimal mortgage solutions.
- Conductcomprehensive pre-qualification assessments for potential borrowers to determine eligibility.
- Collaborate with underwriters, processors, and closers to ensure timely completion of mortgage applications.
National Account Executive
Rocket Pro TPO
01.2018 - 10.2019
- Prospect brokers, community banks and credit unions to form ongoing partnerships
- Provide expert insight to help grow and develop partners businesses
- Inform partners of pricing updates, new products and special offers
- Train new business partners on company-specific technology and processes
- Maintained open line of communication with active and potential partners
- Organize technology, sales and loan officer trainings, and assist partners with loan-level and systematic problems while teaching them how to find solutions.
- Strengthened customer relationships for long-term success through consistent, personalized communication and service.
- Increased overall company revenue with strategic acquisition of new national accounts in various industries.
- Developed compelling sales presentations to showcase product offerings and persuade decision-makers to close deals.
- Delivered exceptional customer service, addressing concerns and ensuring satisfaction throughout all stages of the sales process.
- Implemented CRM systems to efficiently track client interactions, resulting in improved organization and time management.
- Conducted regular client reviews to assess account performance and identify areas for improvement or upselling potential.
- Cultivated a deep understanding of each client''s unique business challenges, offering tailored solutions that met their specific needs.
- Proactively identified opportunities within existing accounts to expand product offerings or increase service levels, driving revenue growth.
- Served as a trusted advisor to clients, providing expert industry knowledge and valuable insights to help them succeed in their business endeavors.
Executive Mortgage Banker/Loan Officer
Rocket Mortgage/Quicken Loans
04.2013 - 01.2018
- Interview clients to gather information about their unique financial situations, needs and objectives
- Conduct credit, underwriting and financial analyses to qualify clients for various loan programs
- Evaluate various loan programs and affordable financing plans from a broad range of Quicken Loans mortgage options
- Educate and advise clients on the home buying process and how to best manage their mortgage(s)
- Ensure exceptional client experiences with ongoing communication throughout the entire loan process.
- Enhanced client satisfaction by providing personalized mortgage solutions tailored to individual needs.
- Managed a diverse portfolio of mortgage products, catering to various client requirements and preferences.
- Mentored junior mortgage bankers, imparting industry knowledge and best practices for success in the role.
- Implemented new strategies to maintain compliance with changing regulations and industry standards.
- Provided exceptional customer service, addressing client inquiries and resolving issues promptly.
- Conducted comprehensive financial analyses for clients to determine optimal mortgage options based on their unique circumstances.
- Maintained thorough documentation throughout the loan origination process, ensuring accuracy and completeness of information provided by clients.
- Achieved consistent sales targets by utilizing effective lead generation techniques and maintaining strong client relationships throughout borrowing lifecycle.
- Exceeded performance expectations, receiving recognition for outstanding contributions to company growth and success in the mortgage banking sector.
- Analyzed loan applications and credit reports to determine loan eligibility and risk level.
- Assisted clients in selecting correct loan product and terms to meet needs and financial goals.
Senior Recruiter
Maxim Healthcare
09.2007 - 06.2009
- Enhanced staffing pipeline by utilizing various sourcing strategies, including networking events, job postings and cold calling.
- Streamlined recruitment processes for increased efficiency and improved candidate experience.
- Developed strong relationships with clients and their families to better understand their needs and successfully fill vacancies in a timely manner.
- Always focused on minimizing vacancies in medical staffing for clients care.
- Conducted thorough candidate screenings, resulting in higher quality interviews and placements.
Education
Finance
Davenport University
Lansing, MI2013
Associate's degree in General Studies -
Lansing Community College
Lansing, MI01.2011
High School Diploma -
St. Vincent - St. Mary High School
Akron, OH05.2008
Skills
- Salesforce
- Loan Origination
- Financial Services
- Account Management
- Credit Analysis
- Sales
- Underwriting
- Risk assessment proficiency
- Pipeline management
- Problem-solving aptitude
- Computer literacy
- Active listening
- Regulatory compliance understanding
- Creditworthiness Determination
- Customer Service
- Residential Mortgage Lending Regulations
- Adaptability
Timeline
Senior Mortgage Loan Originator/Owner
Market Street Mortgage LLC
10.2019 - 01.2024
National Account Executive
Rocket Pro TPO
01.2018 - 10.2019
Executive Mortgage Banker/Loan Officer
Rocket Mortgage/Quicken Loans
04.2013 - 01.2018
Senior Recruiter
Maxim Healthcare
09.2007 - 06.2009
Finance
Davenport University
Associate's degree in General Studies -
Lansing Community College
High School Diploma -
St. Vincent - St. Mary High School
FINRA - Securities Industry Essentials
Mortgage Loan Originator (MLO) License
Certification
FINRA - Securities Industry Essentials
Mortgage Loan Originator (MLO) License
Personal Information
- Military Service Branch: United States Marine Corps
- Military Service Rank: Sargent (Veteran)
Similar Profiles
Preston LohmeyerPreston Lohmeyer
Real Estate Agent at Market Street Properties, LLCReal Estate Agent at Market Street Properties, LLC
Shelly LanzShelly Lanz
Catering Coordinator at Chuck's Fresh Market (Chuck's Produce & Street Market)Catering Coordinator at Chuck's Fresh Market (Chuck's Produce & Street Market)
Jacob KomaraJacob Komara
CLOSER - FUNDER - POST CLOSER at Bond Street MortgageCLOSER - FUNDER - POST CLOSER at Bond Street Mortgage