Summary
Overview
Work History
Education
Timeline
Generic

Kenneth Warchal

Manalapan,NJ

Summary

SENIOR MANAGING SALES PROFESSIONAL

Overview

26
26
years of professional experience

Work History

Producing Area Sales Manager

U.S. Bank
NY
08.2017 - Current
  • Manage and develop the full scope of operations for prospecting, proposals, Applications, submissions, processing, underwriting, compliance, submissions, WVOE, Appraisal Management, Title ordering and reviews, Condition’s fulfillment, closing, post-closing and servicing of all mortgages
  • Directs, develops, motivates, hires, and disciplines mortgage sales personnel
  • RESPA, TILA, red flags, fair lending laws, appraisal rules, and flood determination laws
  • Risk management, closing, and servicing of all mortgages including FHA, VA, USDA, Conventional, QM and secondary Markets
  • Demonstrated ability to address complex technical issues- Effective coaching, mentoring, and training skills
  • Leading the mortgage operations team to deliver the best member experience and ensure production and risk standards are met including CRA, BSA, Error Resolution, Forced Placed Insurance, Active Duty, Reg Z, Reg X, etc
  • Manage, coach, and mentor a team of inside mortgage loan originators to successfully achieve goals and objectives
  • Develop and implement sales strategies, and provide effective training, Motivate team to success
  • Communicate business goals, objectives, and company performance results consistently and accurately
  • Recruit, Hire, Coach, train and develop staff members to ensure achievement of all operational and revenue standards
  • Perform ongoing performance assessments with appropriate follow-up, on all direct reports
  • Work closely with the other departments to identify and determine quarterly sales targets and production standards
  • Maintain compliance with state and federal lending regulations, implementing corrective action to address deficiencies as warranted
  • Retaining & managing current loan officers’ performance
  • Pipeline management for all originated loans through closing and complete required management reports.

Senior Area Sales Manager

Advisors Mortgage Group
Marlboro, NJ
08.2014 - 08.2017
  • Responsible for all aspects of operating the business, including recruiting and training the sales team, managing office staff, approving transactions, overall P & L responsibility
  • Introduced a rigorous sales training program for individuals showing potential
  • Program consisted of pipeline management, contact management and negotiation/closing skills
  • Sold retail mortgage products and services to customers and prospects
  • Managed customer portfolio, service relationships and cross sell products and services
  • Provided a broad base of financial and credit services with the goals of acquiring 100% of the customers’ business.

Sales Manager/Mortgage Consultant

Wells Fargo Bank
03.2011 - 08.2014
  • Build and maintain client relationships while identifying business opportunities
  • Ensuring consistency of client services and product delivery with the sales team
  • Provide guidance and leadership to promote an exceptional sales and service culture through coaching and training
  • Actively searches and participates in community activities to reflect favorably on the Bank
  • Oversee daily operations with a focus on risk mitigation and compliance laws
  • Creates a world class client experience environment by monitoring client experience results
  • Used profiling analysis tools to identify cross sell opportunities and make outbound sales calls typically by phone to increase product per customer ratio
  • Assisted team members as needed.

Managing Sales Director/Client Relationship

Ennis Legal
Somerville, NJ
12.2008 - 02.2011
  • Consult clients to determine eligibility for loss mitigation assistance or bankruptcy options
  • Prepare documents needed for a workout option, bankruptcy filing and acquire additional information and documentation from customers
  • Recruited, trained and mentored staff of six legal consultants
  • Increased firm’s client base over 400% and revenues totaling 1.6 million dollars in 2009
  • Met daily, weekly and monthly productivity standards and consistently exceeded monthly goals
  • Ranked number 1 consistently in sales while managing a staff of 6.

Area Manager

Mid Atlantic Capital
Wall Twp., NJ
04.2003 - 12.2008
  • Responsible for all aspects of operating the business, including recruiting and training sales team, managing office staff, approving transactions, overall P & L responsibility
  • Ranked in top 1% of personal sales volume nationally out of approximately 2,800 company loan officers across the country (personally closed 200+ loans annually, compared to 40 loans for the average loan officer)
  • Introduced a rigorous sales training program for individuals showing potential-program consisted of pipeline management, contact management and negotiation/closing skills
  • Streamlined transaction closing process, resulting in a 50% reduction in transaction time (compared to 60-day national average) for 65% of all loans
  • Created and perfected highly effective referral programs, which included real estate agents free co-branded marketing collateral (listing photos, DVD’s interactive websites and virtual tours)
  • Originated an average of $2 million dollars a month personally while supervising and managing sales force and office personnel
  • Increased gross sales in first year of operation by 55.66% and net revenue by 34.59%.

Senior Client Relationship Manager

G & W Capital Group
New York, NY
02.1999 - 04.2003
  • Built and grew relationships as a deal closer in client-facing role with commodity advisory trading firm; strengthened relationships through excellent customer service, comprehensive product knowledge, client visits, market insights, influential presentations and account reviews
  • Managed and mentored a team, instilling best practices and coaching on client interaction with institutional buyers, asset managers and retail clients; elevated junior staff performance and ability to work independently
  • Delivered revenues significantly above goal by conducting thorough analysis, negotiating capital markets documents with legal, honing sales strategy, and onboarding 100s of new clients
  • Chief contact to several major RIA accounts with diverse investment strategies
  • Partnered on strategic objectives (e.g., enterprise risk management, revenue retention, marketing); analyzed counterparty credit risk, industry trends, competitor offerings, and client business environments
  • Resolved product trade issues across swaps, options, FX, futures, and repos.

FX Relationship Manager

Risk Capital Management
Red Bank, NJ
08.1997 - 01.1999
  • Acquired roughly 100 new clients to manage their money throughout brokers with fees
  • Analyzed current and past currency movement and performance and prepared reports and projections and translated it to a simple language for clients
  • Identified trends in currencies performance and provide recommendations to clients for improvement
  • Coordinated with other members of finance team to review financial information and forecasts
  • Organized the whole department and leaded the workers to company’s main goal of business
  • Prepared weekly, monthly and quarterly operation reports and reported to the CEO
  • Helped clients to complete processing applications and informed them of required documentations
  • Specializing in trading index and forex markets with a focus on technical analysis and risk management
  • Consistently analyzing market trends to inform trading decisions and strategies.

Education

High School Diploma -

Freehold Township High School
Freehold, NJ
06-1985

Timeline

Producing Area Sales Manager

U.S. Bank
08.2017 - Current

Senior Area Sales Manager

Advisors Mortgage Group
08.2014 - 08.2017

Sales Manager/Mortgage Consultant

Wells Fargo Bank
03.2011 - 08.2014

Managing Sales Director/Client Relationship

Ennis Legal
12.2008 - 02.2011

Area Manager

Mid Atlantic Capital
04.2003 - 12.2008

Senior Client Relationship Manager

G & W Capital Group
02.1999 - 04.2003

FX Relationship Manager

Risk Capital Management
08.1997 - 01.1999

High School Diploma -

Freehold Township High School

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Kenneth Warchal