Dynamic and results-oriented mortgage and financial expert with over 20 years of experience in builder relationships, loan origination, processing, underwriting, compliance, and funding. Proven track record of efficiently managing multi-million-dollar operations while leading teams and maintaining compliance. Recognized for developing innovative systems, fostering strong client relationships, and consistently ensuring timely closings. Reputation for integrity and excellence in all aspects of the mortgage industry.
Overview
40
40
years of professional experience
1
1
Certification
Work History
President
SMI Lending, Inc.
01.2008 - 01.2022
Leadership & Team Management: Spearheaded $50M+ credit lines while leading a team of 20+ employees, including loan officers, processors, and assistants
Strategic Relationships: Built and maintained relationships with builders and partners to ensure seamless communication and alignment throughout the loan process
Loan Expertise: Advised teams and clients on mortgage products, optimizing outcomes, and improving customer satisfaction
High-Volume Success: Closed 200+ loans monthly, achieving $80M in monthly volume with a perfect loan purchase record
Process Innovation: Streamlined operations by integrating DocuSign with LOS systems, significantly reducing processing times
Regulatory Compliance: Ensured thorough reviews of Loan Estimates (LE) and Closing Disclosures (CD), eliminating compliance risks, and maintaining perfect audit records
Training & Mentorship: Trained and mentored staff to improve productivity and foster long-term employee retention
Operational Efficiency: Implemented 'one-touch' underwriting to minimize delays and designed funding systems to manage $80M+ monthly volume efficiently
Customer Satisfaction: Enhanced customer experience through superior service and continuous improvement initiatives
Hired and managed employees to maximize productivity while training staff on best practices and protocols
Increased customer satisfaction through continuous improvement initiatives and excellent customer service
Back office system: Initiated and processed all accounting and payroll duties including direct deposits, state and federal payroll tax returns and deposits, financial reporting, insurance, 401K, and child support payments
Senior Loan Officer / Network Administrator / CFO
SMI Residential Mortgage, Inc.
01.2001 - 01.2008
Pipeline Management: Built and managed a robust loan pipeline by cultivating partnerships with realtors, builders, and insurance companies
Streamlined Processing: Simplified underwriting for complex income borrowers through close collaboration with underwriters
IT Leadership: Directed IT infrastructure for a 40+ user network, ensuring efficiency and compliance
Staff Training: Trained employees on technology and loan processing, boosting productivity and accuracy
Timely Closings: Expedited loan processing and ensured timely closings by collaborating with underwriting teams and submitting complete applications
Client Relationships: Developed strong borrower relationships, driving satisfaction and repeat business
Collaborated with underwriting team to expedite loan processing times and ensure timely closings for clients
Cultivated referral network with real estate agents, builders, and other professionals to generate new business leads
Controller / IT & Finance Lead
Atlan Plastics, Inc.
01.1982 - 01.2001
Designed and maintained Win2000 networks, integrating SQL Server and Exchange Server to optimize operational efficiency
Secured $3M in credit lines and oversaw financial reporting, cash transactions, and bank audits to ensure fiscal integrity
Developed quality control policies for financial and loan processes, training staff to ensure compliance with regulatory standards
Automated payroll, vendor payments, and financial reporting systems, streamlining operations and reducing manual effort
Completed journal entries, reconciliations, and account analysis to prepare quarterly financial documents and general account management
Prepared balance sheets, cash flow reports and income statements
Executed journal entries, reconciliations, and account analysis, preparing accurate quarterly financial documents and managing general accounts
Prepared detailed financial statements, including balance sheets, cash flow reports, and income statements, to support strategic decision-making
Education
Associate of Science - Computers
Brookhaven College
Dallas, TX
05.1982
Skills
Regulatory Compliance, Risk & Quality Functions
Operational & Process Efficiency
Leadership & Team Development
Technology & Data Management
Relationship Building and Pipeline Oversite
Certification
NMLS, 224631
Goals
Aiming to leverage decades of experience in banking, finance, IT, and leadership to drive growth and efficiency within a company. Renowned for being highly organized, ethical, and innovative, with a track record of building strong professional relationships and achieving exceptional results.