Summary
Overview
Work History
Education
Skills
Certification
Timeline
Generic
Kara Miller

Kara Miller

Sunbury,OH

Summary

Experienced Mortgage Sales Manager with over 20 years of experience educating customers on loan products and facilitating loan application processes. Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals. Additional experience with both Processing and Operations Management gives an edge as a candidate to oversee a sales team. Able to motivate cross-functional teams, lead development, and train staff members to meet and exceed expectations of the banking and mortgage industries. Well-educated on all FHA, VA, USDA, Fannie Mae and Freddie Mac guidelines along with Velocify and Encompass systems.

Overview

23
23
years of professional experience
2
2

Certifications

Work History

Field Underwriter

Symmetry
04.2024 - Current
  • Underwriting life, health, and accident policies for new clients
  • Maintained records and policies for existing clients.
  • Supported business growth by identifying high-quality prospects for potential insurance policies.
  • Contributed to the development of new products, tailoring coverage options to meet varying client needs effectively.
  • Demonstrated strong attention to detail in reviewing policy documents for accuracy before issuance, minimizing errors, and potential disputes down the line.
  • Leveraged analytical skills to identify trends in loss ratios, enabling proactive adjustments to underwriting strategies when needed.

Branch Sales Manager

DHI Mortgage
08.2021 - 03.2024
  • Raised the Branch from the 46th in the company to 9th nationwide for fiscal year 2023 (Sept 2022 - October 2023)
  • Helped the branch by hitting matrix goals along with setting goals for loan officers that aligned with branch goals and personal goal setting.
  • Led by example, exhibiting strong work ethic and consistently meeting or exceeding individual sales targets while inspiring team members to do the same.
  • Created a positive work environment that fostered teamwork, collaboration, and continuous learning among employees.
  • Coached and mentored sales team members to enhance individual performance, ultimately contributing to the overall success of the branch.
  • Set clear performance goals for the sales team, providing regular feedback on progress toward targets while offering support where needed.
  • Resolved customer complaints to maintain high level of satisfaction.
  • Streamlined operations for enhanced productivity, leading to higher revenue generation and improved staff morale.
  • Collaborated with other departments to ensure seamless coordination of joint initiatives, enhancing overall company performance.
  • Worked with multiple leaders of other departments to streamline efficiencies and work on making the entire mortgage process better for internal and external customers
  • Maintained a 100% customer service rating on all loans personally originated.

Mortgage Banker Assistant

Novus Mortgage
03.2021 - 08.2021
  • Worked with underwriters to fix application problems and resolve issues.
  • Participated in ongoing training programs to stay up-to-date on industry developments and enhance professional growth.
  • Connected borrowers to appropriate resources for resolving credit issues when necessary, improving chances for future approval success.
  • Maintained a high level of product knowledge, staying current with industry trends and regulations.

Mortgage Banker Assistant

The Federal Savings Bank
08.2020 - 03.2021
  • Assisted high producing Mortgage Banker in most aspects of loan origination from application to close including but not limited to, pulling credit, completing loan applications, borrower contact, obtaining documentation for loan process
  • Also overseeing pipeline for speed of closing, ensuring timely processing, underwriting, closing and funding of Mortgage Banker's loans.
  • Worked with underwriters to fix application problems and resolve issues.
  • Answered inquiries and provided superior customer service to clients.

Senior Loan Processor/AVP of Processing

Lower Mortgage
12.2019 - 08.2020
  • Established strong relationships with lenders, title companies, and borrowers for smooth loan transactions.
  • Proactively identified potential issues within applications, taking necessary steps to rectify them before submission for approval.
  • Managed a high-volume pipeline of loans, consistently meeting deadlines and maintaining accuracy in documentation.
  • Streamlined loan processing by implementing efficient workflow systems and task prioritization.
  • Led a team of loan processors to achieve high performance levels while maintaining strict adherence to regulatory requirements.
  • Enhanced customer service quality by addressing client concerns promptly and providing clear explanations on complex lending terms and processes.
  • Managed a diverse portfolio of loans, ensuring prompt processing and approval for clients across various industries.

Processing Manager

American Financial Network/Academy Mortgage
07.2018 - 11.2019
  • Managed loan processing staff members and provided training, direction, and team motivation to meet and exceed company goals
  • Supervised day-to-day operations of the loan processing departments including expenses tracking and reporting, timecard, leave approval, and personal conflicts
  • Utilized processing knowledge to execute and complete loans for a variety of customers.
  • Served as a liaison between mortgage processing team and other departments, fostering collaboration to achieve company goals.
  • Mentored junior processors through hands-on guidance which further developed their skills in handling complex loans.
  • Coordinated with underwriting teams to expedite loan approvals and meet closing deadlines consistently.

Senior Loan Processor & Training and Development Manager

American Bank / Congressional Bank
03.2015 - 05.2018


  • Supervised day-to-day operations of the loan processing departments including expenses tracking and reporting, time card, leave approval, and personal conflicts
  • Utilized processing knowledge to execute and complete loans for a variety of customers.
  • Created opportunities for mentorship between experienced sales professionals and newer hires, promoting knowledge sharing within the team.
  • Developed customized training materials tailored to diverse learning styles and needs.
  • Evaluated the effectiveness of training programs through regular assessment, making adjustments as needed for optimal results.
  • Aligned training initiatives with company goals, ensuring a consistent approach across all levels of the organization.
  • Improved overall sales results by providing ongoing coaching and feedback to individual team members.
  • Supervised operations staff and kept employees compliant with company policies and procedures.
  • Conducted regular performance reviews, identifying areas for improvement and developing action plans to address them.

Education

Some College (No Degree) - Financing/Operational Managment

Franklin University
Columbus, Ohio

Skills

  • Loan origination expertise
  • Team Management
  • Coaching and Mentoring
  • Industry Trends Awareness
  • Sales strategy development
  • Management Support

Certification

  • NMLS #513127 (Ohio, Washington, Oregon)
  • Ohio Life and Health License - 1575295

Timeline

Field Underwriter

Symmetry
04.2024 - Current

Branch Sales Manager

DHI Mortgage
08.2021 - 03.2024

Mortgage Banker Assistant

Novus Mortgage
03.2021 - 08.2021

Mortgage Banker Assistant

The Federal Savings Bank
08.2020 - 03.2021

Senior Loan Processor/AVP of Processing

Lower Mortgage
12.2019 - 08.2020

Processing Manager

American Financial Network/Academy Mortgage
07.2018 - 11.2019

Senior Loan Processor & Training and Development Manager

American Bank / Congressional Bank
03.2015 - 05.2018

Some College (No Degree) - Financing/Operational Managment

Franklin University

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Kara Miller