Garry D. Pate
Lilburn,USA
Summary
Dynamic Account Executive with 24 years of experience driving business growth and enhancing client relationships in fast-paced environments. Expertise in organizational and problem-solving skills facilitates the implementation of innovative solutions that boost efficiency and elevate customer satisfaction. Committed to leveraging a diverse skill set to foster collaboration and achieve strategic objectives while continuously seeking opportunities for professional advancement. Proven track record of developing strong partnerships and executing process improvement strategies that deliver measurable results.
Overview
10
10
years of professional experience
1
1
Certification
Work History
Sr. Mortgage Loan Officer
Supreme Lending
07.2022 - Current
- Alliance partner with Keller Williams Realty Peachtree Road of over 400 Agents, Consult with realtors and clients to help determine long and short term financial goals relative to Mortgage Solutions. Analyze credit to provide the best possible loan program based on credit, income and assets
- Submit loan structure through automated underwriting engines Loan Prospector or Desktop Underwriting
- Identify areas of opportunity to Counsel and improve potential borrower credit risk to eventually purchase a home
- Facilitate training sessions for Clients and Consumers regarding credit risks, credit enhancements, guideline changes and mortgage products such as Conventional Fannie Mae & Freddie Mac, FHA, VA and USDA
- Maintain monthly tracking of qualified and non-qualified borrowers to Leadership counsel
- Track progress of key partner referrals to mortgage team
- Create Listing sheets for new homes on the market to increase market potential to serve all clients looking to purchase listed property
- Establish effective and efficient Independent relationship with Keller Williams Realty Atlanta Partners
Sr. Mortgage Loan Officer
Guaranteed Rate
02.2022 - 07.2022
- Consult with realtors and clients to help determine long and short term financial goals relative to Mortgage Solutions. Analyze credit to provide the best possible loan program based on credit, income and assets
- Submit loan structure through automated underwriting engines Loan Prospector or Desktop Underwriting
- Identify areas of opportunity to Counsel and improve potential borrower credit risk to eventually purchase a home
Reverse Mortgage Loan Officer
Mutual of Omaha Mortgage
04.2021 - 02.2022
- Consult with maturing Seniors, Family Member and Financial Advisors regarding current cash flow needs, existing assets, understand the time value of money to help determine the best strategy for using a Reverse Mortgage
- Manage Reverse Mortgage needs for a 13 State Territory by consulting with Seniors and how they can re-allocate dormant equity that can only be utilized through a Reverse Mortgage or by selling their home
- Submit loan structure through Reverse Vision
- Identify areas of opportunity to Counsel and improve potential borrower credit risk to eventually purchase a home with HECM for Purchase
Reverse Mortgage Loan Officer
Fairway Independent Mortgage, Kennesaw GA
Kennesaw, GA
03.2020 - 03.2021
- Educate Real Estate Agents regarding the use of a HECM for purchase and the different strategies used to give liquidity of dormant equity for older homeowners making a housing transition.
- Educate financial planners, Insurance agents using Equitytrax software to comprehend how a Home Equity Conversion Mortgage (HECM) used during retirement years to leverage existing assets under management, increase cash flow, manage mandatory distributions, delay social security and reduce income taxes.
- Determine Financial needs and determine financial risk for the company
- Consult and Educate Maturing Seniors regarding the different uses of a Reverse mortgage to increase cash flow to age in place, make home enhancements or purchase a new dream using a portion of equity from previous sale and utilizing effective tools and relationship management to incorporate financial models to improve legacy and wealth.
Reverse Mortgage Loan Officer
American Advisor Group, Kennesaw GA
Kennesaw, GA
11.2018 - 03.2020
- Consult with maturing Seniors, Family Member and Financial Advisors regarding current cash flow needs, existing assets, understand the time value of money to help determine the best strategy for using a Reverse Mortgage
- Manage Reverse Mortgage needs for a 6 State Territory by consulting with Seniors and how they can re-allocate dormant equity that can only be utilizing a Reverse Mortgage or by selling their home
- Submit loan structure through automated underwriting engines Loan Prospector or Desktop Underwriting
- Identify areas of opportunity to Counsel and improve potential borrower credit risk to eventually purchase a home with HECM for Purchase
Director Business Development / Risk Management Recovery Analyst
OSP Prevention Group, Atlanta, GA
Atlanta, GA
02.2016 - 11.2018
- Recovery of repair cost on 3rd -party CATV damages across multiple states
- Manage high impact projects with multiple stake holders
- Utilize Dig laws and statutes for all states. Uses standards from 811 excavators, NESC standards and guidelines from the CGA (Common Ground Alliance)
- Developed a professional working relationship with the client and on-site field investigators, technicians, management team and other personnel
- Develop a solid working relationship with the clients locate company and their coordinators and management.
- Achieved monthly and quarterly targets set by department
- Learned the functionality of the company’s Claim Database Tool and enter all notes and documentation with the tool throughout the recovery process
- Resolve and negotiated subrigation claims recovery of over 1.5 million in revenue via phone, email, demand letters and other means of communication
- Able to support claims investigation packages with photographs, narratives, job costs, site sketches, locate tickets and other components provided from the field investigators
- Visualize and understand the damage scene to accurately defend liability
- Work directly with liable parties’ insurance provider to defend claims and negotiate settlements
- Work directly with claims departments and management of liable parties from small business to large corporations and municipalities. Attend weekly and monthly meetings to discuss individual and team recovery goals. Maintain working knowledge of OSP claims process
Education
Business Administration
Denver Tech & DeVry University
Denver, COSkills
- Office Management
- Records Management
- Spreadsheet & Database Creation
- Process Management
- Relationship Management
- Loss Forecasting
- Expense Reduction
Certification
- Certified HUD Counselor with Georgia Department of Community Affairs 2008
- Licensed Insurance Agent- State of Georgia #506225 2009
- National Mortgage Licensing Service #246204 2018
- Licensed in 12 States – GA, FL, SC, LA, TX, MA. ME. MT. CO, CA, OR, NV 2021
Timeline
Sr. Mortgage Loan Officer
Supreme Lending
07.2022 - Current
Sr. Mortgage Loan Officer
Guaranteed Rate
02.2022 - 07.2022
Reverse Mortgage Loan Officer
Mutual of Omaha Mortgage
04.2021 - 02.2022
Reverse Mortgage Loan Officer
Fairway Independent Mortgage, Kennesaw GA
03.2020 - 03.2021
Reverse Mortgage Loan Officer
American Advisor Group, Kennesaw GA
11.2018 - 03.2020
Director Business Development / Risk Management Recovery Analyst
OSP Prevention Group, Atlanta, GA
02.2016 - 11.2018
Business Administration
Denver Tech & DeVry University