Harvey McIntyre
Advance,NC
Summary
Detail-oriented Mortgage Loan Officer with 21 years of experience. Adept at planning and working with clients for long periods of time. Committed to accuracy and financial success. Systematic Mortgage Loan Officer with extensive knowledge of Residential Real Estate and commitment to finding the best financial plans for everyone. Successful at reviewing applications and detail-oriented inspections. Enthusiastic Loan Officer provides excellent customer service throughout loan origination process. Well-versed in all types of loans and application processes. Consistently exceeds sales expectations.
Overview
46
46
years of professional experience
Work History
Senior Mortgage Banker
Truist Bank
Winston Salem, NC
09.1999 - Current
- Met with applicants to obtain information for loan applications and answer questions about processes.
- Performed daily maintenance of loan applicant database.
- Analyzed applicants' financial status, credit and property evaluation to determine feasibility of granting loan.
- Determined appropriate rate locks, issuance of disclosures, overage and underage waivers and fee waivers.
- Provided expert financial advice on mortgage and both educational and personal loans.
- Executed loan origination process, including ordering credit reports, appraisals and preliminary title reports.
- Received Sterling Performance Award for finishing in top 20 of 1,000 Mortgage Loan Officers at Truist Mortgage for closed loans in 2020.
- Met with applicants to obtain information to streamline loan application process, fielding questions regarding steps.
- Assessed feasibility of loan approval by reviewing financial histories, available credit and current employment.
- Built positive relationships with realtors to produce client referrals.
- Developed and maintained relationships with local real estate agents.
Banking Network Sales Coordinator
BB&T Now Truist
Raleigh, NC
08.1993 - 08.1999
- Drove sales by effectively up-selling and cross-selling products to maximize profitability.
- Developed and implemented new sales strategies to update product lines.
- Researched and capitalized on emerging opportunities to build business and expand customer base.
- Aided senior leadership during executive decision-making process, generating daily reports to recommend corrective actions and improvements.
- Partnered with sales representatives during customer consultation to build agency and customer relations.
- Improved profitability and pipeline with multiple marketing channels and sales strategies.
Retail Banking Manager
BB&T Now Truist
Wilmington, NC
09.1990 - 07.1993
- Consulted with small business customers to determine needs and means and propose personalized banking solutions.
- Guided teams to increase business portfolio and grow bottom-line profitability.
- Developed annual branch business plan for maximum profitability and effectiveness.
- Led banking tasks, business administration and financial decision-making to ensure first-class client services.
- Enhanced financial performance metrics by networking to create successful and sustainable relationships.
- Articulated growth objectives and operating plans.
- Managed largest branch in Southern region, achieving high customer satisfaction rates
Financial Center Manager
RBC Centura Bank
Wilmington, NC
06.1982 - 08.1990
- Developed and led performance-oriented team dedicated to accomplishing sales and service objectives.
- Counseled customers in selection of financial products to meet banking needs.
- Evaluated historical, current and forecast data to determine opportunities for development and enhancement.
- Executed loan origination process, including ordering credit reports, appraisals, preliminary title reports, insurance information and flood certificates.
- Networked within communities to identify and capitalize on business opportunities.
- Proposed and managed successful marketing promotions and business plans.
- Guided teams to increase business portfolio and grow bottom-line profitability.
- Provided customers with first-rate experience and developed long-lasting relationships.
- Consulted with small business customers to determine needs and means and propose personalized banking solutions.
- Enhanced financial performance metrics by networking to create successful and sustainable relationships.
- Led banking tasks, business administration and financial decision-making to ensure first-class client services.
- Articulated growth objectives and operating plans.
- Developed annual branch business plan for maximum profitability and effectiveness.
- Resolved interpersonal conflicts by listening, finding common ground and building relationships.
- Worked successfully with diverse group of coworkers to accomplish goals and address issues related to our products and services.
Collection Specialist
CIT Financial Group
Wilmington, NC
06.1980 - 05.1982
- Utilized talents and expertise to locate customers with aged accounts.
- Interviewed customers to determine reasons for delinquency, source of income and next pay date to build solutions for financial issues.
- Fielded incoming phone calls from customers and directed to corresponding department or individual for assistance.
- Secured payments by following up with customers which disregarded promise to pay.
- Met demands of busy collections group by performing high volume of daily calls.
- Maintained consistent high performance by establishing solid record of achieving or exceeding objectives.
- Reviewed accounts to determine payment plan compliance.
- Gathered required information from customers for settlement reviews to help negotiate down debt with creditors.
- Remained calm, stayed professional and provided exceptional service on all calls, even when interacting with difficult individuals.
- Located debtors by utilizing skip tracking and other strategies.
Education
Master of Science - Management
Southern Illinois University Carbondale
Carbondale, ILBachelor of Science - Education
Winston Salem State University
Winston Salem, NCGraduate School of Banking - Marketing
University of Colorado At Boulder
Boulder, CONorth Carolina School of Banking - Mid-Management
University of North Carolina At Chapel Hill
Chapel Hill, NCSkills
- Sales development
- Negotiation Tactics
- Relationship selling
- Key account generation
Affiliations
- Member, Southern Illinois University Alumni Association
- Phi Kappa Phi Honor Society - Southern Illinois University
Timeline
Senior Mortgage Banker
Truist Bank
09.1999 - Current
Banking Network Sales Coordinator
BB&T Now Truist
08.1993 - 08.1999
Retail Banking Manager
BB&T Now Truist
09.1990 - 07.1993
Financial Center Manager
RBC Centura Bank
06.1982 - 08.1990
Collection Specialist
CIT Financial Group
06.1980 - 05.1982
Master of Science - Management
Southern Illinois University Carbondale
Bachelor of Science - Education
Winston Salem State University
Graduate School of Banking - Marketing
University of Colorado At Boulder
North Carolina School of Banking - Mid-Management
University of North Carolina At Chapel Hill