Summary
Overview
Work History
Skills
Technical Experience
N M L S
Accomplishments
Timeline
Generic

Kevin Friedman

Brentwood,CA

Summary

Exemplary interpersonal skills, work well in a fast-paced result driven environment. Articulate and polished communication skills with the ability to adjust quickly to different environments and situations with ease. A highly motivated individual possessing both a strong work ethic and demonstrated ability to function effectively under pressure. Confident, assertive, and self-motivated. Remarkable resiliency to high stress situations. Possession of solid business acumen with superb attention to detail. These are the attributes I will bring to this position. With my 38 plus years of experience and knowledge of underwriting, processing and loan originations I know I can bring a fresh outlook to any position. I have had experienced all aspects of getting a loan approved and closed with my past experience and have ran teams with up to 15 loan officers, 12 processors and 4-5 underwriters.

Overview

38
38
years of professional experience

Work History

Senior Loan Officer

KBHS / Guaranteed Rate
Roseville, CA
12.2019 - Current
  • Closing on average of about 10 purchase loans per month
  • Take inbound portal from KB Realtors and get prequel's ran in a timely manner for potential new buyers
  • Take full application via Encompass and Empower, run DU or LP and credit
  • Work with customers on conditions prior to submitting loan for initial approval and strive for GOLD Approval per KB needs
  • Working with customers for final closing conditions
  • Walk customer through signing process and review estimated settlement statements
  • Licensed in CA
  • Average 3 to 5 applications a day
  • Restructure and save cancelled and or denied loans for our territory for other loan officer
  • For 2023 I closed over 100 plus loans. Had over a 95% retention rate and 94% CSI scores

Senior Loan Officer

Loanpal / Goodleapllc
Roseville, CA
03.2018 - 12.2019
  • Averaged 30 to 40 fundings a month on average
  • Take inbound calls and pre-qualify borrowers over the phone
  • Take full application via Point, run DU and credit
  • Work with customers on conditions prior to submitting loan for final approval
  • Working with customers for final closing conditions
  • Walk customer through signing process and review estimated settlement statements
  • Licensed in CA, LA, MI, SD, ND, CO, AZ, and TN
  • Average 3 to 5 applications a day
  • Restructure and save cancelled and or denied loans
  • Helped upper management with compliance and TRID laws and training.

Senior Loan Officer

Cash Call Mortgage / Impac Mortgage
Santa Ana, CA
03.2017 - 03.2018
  • Total production 195 Loans $60,770,472.00 (Top 50 Agents for 2017 Nationwide)
  • Take inbound calls and pre-qualify borrowers over the phone
  • Take full application via Point, run DU and credit
  • Work with customers on conditions prior to submitting loan for final approval
  • Working with customers for final closing conditions
  • Walk customer through signing process and review estimated settlement statements
  • Licensed in CA, LA, MI, SD, ND, CO, AZ, and TN
  • Average 3 to 5 applications a day
  • Restructure and save cancelled and or denied loans.

Senior Loan Officer / Team Lead

The Money Source
Walnut Creek, CA
03.2016 - 11.2016
  • Total production 207 FHA/VA Streamline Loans $38,502,000.00
  • Originated FHA, VA, and Conventional loans through current retention channels
  • Inbound and outbound calls to current customers
  • Averaged 20 Funding's a month for an average of 4-6 million a month
  • Part of the initial group that help set up the Retail Division for the company
  • Assisted hiring and training of 40 new agents.

Team Lead

Stonegate Mortgage Corporation
Lake Forest, CA
01.2015 - 01.2016
  • Managed and trained a team of 12-15 Loan Officers
  • Trained 50 loan officers TRID compliance on DU, LP, and disclosures in the Encompass system
  • Coached and trained Loan Officers on converting retention loans, Internet leads, and campaigns
  • Conversion rates stayed tat about 78% and other at about 40-45%
  • Managed and monitored Loan Officer pipelines with 86% pull through from Lock to Fund
  • Trained Loan Officers and Processors on TRID, LE and CD Compliance and understanding
  • Worked with other Leads and Managers on strategies to improve customer service, and efficiencies
  • Maintained a good moral during growth issues.

Team Lead

Cash Call Mortgage
Santa Ana, CA
03.2012 - 06.2014
  • Managed and trained a team of 15 Loan Officers, 6 Processors, and 5 Underwriters
  • Worked with Loan Officers on DU, LP, Velocify, and Empower
  • Scrubbed all loans prior to processing to insure proper set up, and to ensure the loans met Fannie Mae and Freddie Mac guidelines
  • Assigned and monitored Processors loans and pipelines
  • Worked with Attorney's, Credit Policy managers, Underwriting Managers, and the Vice President to re-sale 7-10 million re-purchases from the warehouse line monthly.

Loan Consultant

Lenox Financial
Santa Ana, CA
02.2012 - 03.2012
  • Pre-qualified borrower by phone using inbound lead calls
  • Full application via Point, DU, and credit
  • Worked with customers on conditions prior to final approval
  • Worked with customers on final closing conditions
  • Walked customers through signings
  • Reviewed estimated settlement statements.

Loan Consultant

Loan Depot
Foothill Ranch, CA
10.2011 - 02.2012
  • Pre-qualified borrower by phone using inbound lead calls
  • Full application via Point, DU, and credit
  • Worked with customers on conditions prior to final approval
  • Worked with customers on final closing conditions
  • Walked customers through signings.

Sr. Loan Consultant

Carrington Mortgage Service
Santa Ana, CA
04.2011 - 09.2011
  • Pre-qualified borrower by phone using inbound lead calls
  • Full application via Point, DU, and credit
  • Worked with customers on conditions prior to final approval
  • Worked with customers on final closing conditions
  • Walked customers through signings
  • Reviewed estimated settlement statements.

Sr. Loan Consultant

Meredian Financial
Costa Mesa, CA
03.2010 - 03.2011
  • Pre-qualified borrower by phone using inbound lead calls
  • Full application via Point, DU, and credit
  • Worked with customers on conditions prior to final approval
  • Worked with customers on final closing conditions
  • Walked customers through signings
  • Reviewed estimated settlement statements
  • Averaged 2 applications daily and 7-10 Funding's monthly.

Self Employed-Net Branch

The Right Rate
Riverside, CA
04.2008 - 03.2010
  • Net branch out of home for different lender companies
  • Generated mortgage leads, and prospected potential using telemarketing techniques
  • Funded loans through net branch resources
  • Processed and originated loans from submission to funding
  • Helped Mortgage firms set up marketing lead sources
  • Trained loan officers and processors submission programs such as Point, DU/LP etc.

Loan Processor

Ditech
Costa Mesa, CA
03.2003 - 10.2004

Loan Processor

Ditech
Costa Mesa, CA
03.2003 - 10.2004

Senior Loan Officer

Homefield Financial
Rancho Cucamonga, CA
06.2001 - 10.2004

Underwriter Consultant I

Ditech
Costa Mesa, CA
03.2002 - 03.2003

Senior Loan Officer

Ditech
Costa Mesa, CA
09.1999 - 03.2002

Regional Sub-Prime Manager/Call Center Manager

American City Mortgage
Carson, CA
01.1988 - 09.1999

Loan Manager

Neighborhood Acceptance Corporation
Costa Mesa, CA
09.1996 - 12.1997

Sub-Prime Loan Manager

Quality Mortgage
Irvine, CA
04.1996 - 09.1996

Loan Manager

Interstate Mortgage
Irvine, CA
02.1995 - 04.1996

Loan Manager

Bankers Diversified Mortgage
Santa Ana, CA
06.1992 - 02.1995

Loan Manager

Charter West Mortgage
Tustin, CA
09.1991 - 05.1992

Loan Officer

Shearson Lehman Mortgage
Irvine, CA
04.1986 - 09.1991

Skills

  • Application Preparation
  • Problem-Solving Capabilities
  • Regulatory Compliance Understanding
  • Information Verification
  • Customer Service-Focused
  • Collections Proficiency
  • Excellent Time Management
  • Team Player
  • Reliable
  • Underwriting Expertise
  • Client Relations
  • Documentation Review
  • Credit Analysis
  • Excellent Communicator
  • Document Analysis
  • Mortgage Lending
  • Sales Expertise
  • Friendly
  • Relationship Building and Management
  • Regulatory Compliance

Technical Experience

  • Proficient in mortgage lending software's. Empower, Point, Encompass, Velocify, Salesforce and Blitz doc are just a few.
  • Skilled in communicating effectively and professionally.
  • Skilled in independently researching questions and making appropriate contacts for problem solving.
  • Maintaining excellence in customer service.
  • Math skills ranging from adding and subtracting to algebraic formulas, calculating debt to income ratios.
  • Works well with others to build good working business relationships.
  • Can work independently with little to no supervision.
  • Strong management and leadership skills.

N M L S

325815

Accomplishments

Scotsman Guide Top Agent in 2017 - Ranked 38 in the Nation.

Timeline

Senior Loan Officer

KBHS / Guaranteed Rate
12.2019 - Current

Senior Loan Officer

Loanpal / Goodleapllc
03.2018 - 12.2019

Senior Loan Officer

Cash Call Mortgage / Impac Mortgage
03.2017 - 03.2018

Senior Loan Officer / Team Lead

The Money Source
03.2016 - 11.2016

Team Lead

Stonegate Mortgage Corporation
01.2015 - 01.2016

Team Lead

Cash Call Mortgage
03.2012 - 06.2014

Loan Consultant

Lenox Financial
02.2012 - 03.2012

Loan Consultant

Loan Depot
10.2011 - 02.2012

Sr. Loan Consultant

Carrington Mortgage Service
04.2011 - 09.2011

Sr. Loan Consultant

Meredian Financial
03.2010 - 03.2011

Self Employed-Net Branch

The Right Rate
04.2008 - 03.2010

Loan Processor

Ditech
03.2003 - 10.2004

Loan Processor

Ditech
03.2003 - 10.2004

Underwriter Consultant I

Ditech
03.2002 - 03.2003

Senior Loan Officer

Homefield Financial
06.2001 - 10.2004

Senior Loan Officer

Ditech
09.1999 - 03.2002

Loan Manager

Neighborhood Acceptance Corporation
09.1996 - 12.1997

Sub-Prime Loan Manager

Quality Mortgage
04.1996 - 09.1996

Loan Manager

Interstate Mortgage
02.1995 - 04.1996

Loan Manager

Bankers Diversified Mortgage
06.1992 - 02.1995

Loan Manager

Charter West Mortgage
09.1991 - 05.1992

Regional Sub-Prime Manager/Call Center Manager

American City Mortgage
01.1988 - 09.1999

Loan Officer

Shearson Lehman Mortgage
04.1986 - 09.1991
Kevin Friedman