Joseph Lovrek
Huntsville
Summary
Area/Divisional Manager | Mortgage Sales & Operations | Strategic Growth Leader
Driven. Results-oriented. Unstoppable.
Dynamic and accomplished Area/Divisional Manager with 28+ years of expertise in leading high-volume mortgage sales across Retail, P&L, Banking, and Digital/CD Call Centers. A proven leader in strategic business growth, sales leadership, and operational excellence. Consistently delivers record-breaking funding, builds top-performing teams, and drives profitability through innovative sales strategies.
Recognized for an unwavering commitment to excellence, I lead with confidence, inspire teams, and cultivate strong client relationships. Adept at optimizing sales operations, recruiting elite talent, and maximizing P&L performance. I don’t just meet expectations, I exceed them. Ready to bring my leadership, vision, and results-driven mindset to an organization that values dedication and performance at the highest level.
Overview
21
21
years of professional experience
Work History
Area Sales Manager Entire Southern Division & Guam
PenFed Credit Union
02.2020 - Current
- Lead mortgage sales operations for the entire Southern Division, including Guam
- Recruited and managed a top-tier team, achieving 4 of 5 years as the Top Team Company-Wide
- Achieved highest YTD fundings ever closed at $395.7M
- Conducted nationwide travel for awards and sales training
Branch Manager
Southwest Funding, LP - My Lending Network Team
12.2017 - Current
- Increased branch revenue by optimizing sales cycles and closing efficiencies
- Mentored staff to improve sales success, productivity, and client engagement
- Recruited and developed high-performing mortgage professionals
- Executed loan origination, credit evaluation, and risk assessment processes
Branch Manager
Cardinal Financial
08.2017 - 10.2017
- Assisted in launching a new retail division, optimizing CRM and LOS systems
- Transitioned operations to My Lending Network due to product availability delays
Branch Manager – Sales Manager
Cendera Funding Inc.
01.2017 - 08.2017
- Managed over 100 team members under VP leadership
- Led transition to Cardinal Financial for retail expansion
Branch Manager – Loan Officer
Prospect Mortgage
01.2016 - 01.2017
- Recognized with Top Dog Award, LCP Award, and Rookie Award for outstanding production
- Exited following company acquisition by HomeBridge
Branch Manager – Loan Officer
PHH Mortgage Corp
09.2015 - 01.2016
- Built a million-dollar monthly loan pipeline
- Transitioned to Prospect Mortgage after PHH closed Texas retail locations
Private Client Mortgage Banker Loan Officer
JP Morgan Chase
05.2011 - 09.2015
- Ranked #2 Mortgage Banker in Houston, funding over $20M per year
- Maintained a 90%+ closing ratio and specialized in rapid loan processing
Branch Manager
Academy Mortgage Corporation
04.2008 - 05.2011
- Launched Academy Mortgage’s first Texas branch, expanding to three locations
- Managed all aspects of branch operations and mortgage origination
Branch Manager
Silverstone Mortgage
08.2006 - 04.2008
- Led branch operations in mortgage banking, building foundational leadership skills
Senior Mortgage Banker
Ameriquest Mortgage Corporation
11.2003 - 09.2006
- Closed an average of 25+ loans per month, ranking among top performers
- Retained during two company-wide layoffs due to high performance
Education
No Degree - UST Multiple State Mortgage License
Department of Savings And Mortgage Lending
Houston, TX01.2014
No Degree - Mortgage Licensing
Champions School of Real Estate
Houston, TX01.2010
No Degree - Mortgage Licensing
Champions School of Real Estate
Houston, TX01.2006
High School Diploma -
Trinity High School
01.1994
Skills
- Leadership & Team Development
- P&L & Revenue Optimization
- Strategic Sales Growth
- Mortgage & Real Estate Expertise
- High-Volume Loan Origination
- CRM & Business Development
- Client Relationship Management
- Microsoft Office Suite (Excel, Word, Outlook)
- Contract Negotiations
- Sales forecasting
- CRM optimization
- Loan origination
- Risk assessment
- Market analysis
- Team leadership
- Revenue growth
- Performance management
- Sales training
- Recruitment strategies
- Pipeline management
- Regulatory compliance
- Communication skills
- Relationship building
- Sales presentations
- Sales team supervision
- Territory management
- Sales tracking
- KPI tracking
- Partnership development
- Account monitoring
- Closing strategies
- Schedule coordination
- Competitor analysis
- Lead qualification
- Territory and account management
- Presentations and proposals
- Competitor tracking
- Market and competitive analysis
- Sales presentation
- Consultative and relationship selling
- Business development and planning
- Sales reporting
- Brand development
- Goal setting and achievement
- Decision-making
- Sales process
- Strategic planning
- Sales targeting
- New business development
- Marketing strategy development
- Salesforce software
- Sales processes
Professional Associations And Honors
- VP, BNI – Business Network International, 2018 – Present
- Multiple Top Performance Awards, across career
Phone
cell, (281) 300-5260
Timeline
Area Sales Manager Entire Southern Division & Guam
PenFed Credit Union
02.2020 - Current
Branch Manager
Southwest Funding, LP - My Lending Network Team
12.2017 - Current
Branch Manager
Cardinal Financial
08.2017 - 10.2017
Branch Manager – Sales Manager
Cendera Funding Inc.
01.2017 - 08.2017
Branch Manager – Loan Officer
Prospect Mortgage
01.2016 - 01.2017
Branch Manager – Loan Officer
PHH Mortgage Corp
09.2015 - 01.2016
Private Client Mortgage Banker Loan Officer
JP Morgan Chase
05.2011 - 09.2015
Branch Manager
Academy Mortgage Corporation
04.2008 - 05.2011
Branch Manager
Silverstone Mortgage
08.2006 - 04.2008
Senior Mortgage Banker
Ameriquest Mortgage Corporation
11.2003 - 09.2006
No Degree - UST Multiple State Mortgage License
Department of Savings And Mortgage Lending
No Degree - Mortgage Licensing
Champions School of Real Estate
No Degree - Mortgage Licensing
Champions School of Real Estate
High School Diploma -
Trinity High School
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