Karen Bishop
New York,New York
Summary
Talented Mortgage Salesperson with proven track record of providing financial services to clients while managing complex loan transactions. Possesses deep understanding of credit analysis, loan origination and closing. Offers great time management and task prioritization skills. Detail-oriented team player with strong organizational skills. Ability to handle multiple projects simultaneously with a high degree of accuracy.
Overview
18
18
years of professional experience
Work History
Private Mortgage Banker
Wells Fargo
New York, NY
01.2018 - Current
- Consistently meet and exceed daily and weekly client-facing contacts, including 40+ daily prospecting and business retention calls, 10+ weekly client face-to-face meetings and daily customer touchpoints (birthday, loan anniversary, pre-approval follow-up emails etc.)
- Achieved 120% average annual target goal
- Maintained up-to-date knowledge of market trends, and regulatory guidelines, enabling informed recommendations for clients' financial strategies
- Negotiated favorable loan terms on behalf of clients, securing the best possible rates and conditions
- Maximize weekly utilization of marketing-team generated sales and marketing materials including customized Real Estate listings digital finance flyers, rate sheets and targeted LinkedIn / social media posts and updates
- Regularly schedule, sponsor and execute customer-facing and broker open house events, home buyer seminars and real estate agent continuing education classes
Senior Mortgage Loan Officer
Capital One
04.2016 - 01.2018
- Selected as one of 12 industry experts to launch Capital One's residential home financing division
- Assigned to nine Capital One Bank branches across Manhattan, conducting weekly meetings to uncover customer cues that may indicate a mortgage need as well as cross-sell and upsell loan products to customers, leveraging this partnership to create opportunities and added value to bank customers
- Mentored branch employees interested in learning about originating home loans and held home buyer seminars with Real Estate attorneys and title closers targeting area customers to understand the home buying and financing process
- Developed marketing strategies for select Real Estate agents targeting high net worth buyers
- Worked closely with processors to resolve any issues that arose during application review or underwriting stage, minimizing delays in closing timescales
- Assisted clients throughout the entire mortgage process, from initial application to closing, ensuring a positive customer experience
Senior Mortgage Loan Officer
Bank Of America
01.2015 - 04.2016
- Increased loan production by developing and maintaining strong relationships with realtors and builders
- Consistently met or exceeded sales targets by establishing a strong professional network within the local community
- Assigned 50th Street Bank Branch, educating branch employees, cross selling and serving branch clients' needs, working closely with branch employees to develop procedures to retain and capture new mortgage business
- Analyzed applicant financial status, credit, and property evaluations to determine feasibility of granting loans
- Provided exceptional customer service throughout the loan process by addressing questions and concerns promptly
Senior Mortgage Loan Officer
Luxury Mortgage Corp.
01.2010 - 01.2015
- Selected as one of several key team members to open and launch the first New York City Luxury Mortgage Branch, which included selecting office location, negotiating lease agreement, office build-out and complete staffing
- Developed, organized and scheduled weekly office lunch and learn meetings. Selected and coordinated speaker presentations
- Conducted weekly sales presentations at local Real Estate offices and organized and implemented continuing education classes for Real Estate agents
- Consistent daily collaboration with in-house underwriters, processors and closers to ensure a seamless loan process for clients
Senior Mortgage Loan Officer
The Manhattan Mortgage Co.
01.2007 - 01.2010
- Managed $200M pipeline of mortgage applications for timely processing and closing, resulting in satisfied clients and achieved national top ten rank for mortgage origination
- Developed and implemented bi-weekly marketing campaign called the "Savvy Broker" reaching all New York City realtors to generate new business opportunities
- Led in-house team consisting of admin, intern, loan processor, loan underwriter and loan closer
Senior Mortgage Loan Officer
Guardhill Financial, Inc.
12.2005 - 01.2007
- Managed $50M pipeline of mortgage applications for timely processing and closing, resulting in satisfied clients
- Conducted monthly presentations at homebuyer seminars, and attended bi-weekly net working meetings to educate prospective clients on the home buying process and available financing options
- Developed and maintained relationships with 40 + lenders and other third parties
- Successfully planned and activated high volume strategic daily and weekly cold calling plan
- Worked closely with in house-processors to resolve any issues that arose during application review or underwriting stage, minimizing delays in closing
Skills
- Credit Analysis
- Portfolio Management
- Real Estate Knowledge
- Relationship Management
- Mortgage Underwriting
- Goal-Oriented
- Refinancing Expertise
- Risk Assessment
- Problem Solving
- Client Retention
- Team Collaboration
- Sales Expertise
Previous Sales Experience
National Sales Director / Product Development, Escada Footwear - New York, NY
Global Sales Director, Coach Leatherware, Footwear Launch - New York, NY
National Sales Director, Calvin Klein Footwear - New York, NY
Domestic Buyer and Manager, Womens' Footwear, Bergdorf Goodman - New York, NY
Domestic Buyer and Manager, Barneys New York - New York, NY
Timeline
Private Mortgage Banker
Wells Fargo
01.2018 - Current
Senior Mortgage Loan Officer
Capital One
04.2016 - 01.2018
Senior Mortgage Loan Officer
Bank Of America
01.2015 - 04.2016
Senior Mortgage Loan Officer
Luxury Mortgage Corp.
01.2010 - 01.2015
Senior Mortgage Loan Officer
The Manhattan Mortgage Co.
01.2007 - 01.2010
Senior Mortgage Loan Officer
Guardhill Financial, Inc.
12.2005 - 01.2007
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