Kevin Kresge

• Oversaw daily operations of the estate, maintaining a well-organized environment conducive to comfort and productivity.
• Maintained utmost discretion when dealing with sensitive information related to clients'' personal lives or business matters.
• Established strong relationships with vendors and contractors, resulting in improved service quality for the estate.
• Conducted regular property inspections, identifying potential issues and arranging appropriate solutions promptly.
• Negotiated favorable contracts with suppliers and service providers, securing high-quality goods at competitive prices.
• Collaborated with legal advisors to manage property-related matters such as zoning regulations, estate planning, or contractual agreements.
• Managed leases and housing contracts for tenants renting, buying or sharing properties.
• Generated professional networks by engaging in professional, industry and government organizations.

• Maintained a high level of industry knowledge, staying current on market trends and regulatory changes affecting lending practices.
• Knowledge of Citizens lending programs including, conventional, portfolio jumbo and conforming loan products.
• Clear understanding of Citizens loan origination and fulfillment platforms.
• Guided borrowers through complex transactions with ease by clearly explaining all aspects of the lending process.

• Streamlined the loan application process for smoother customer experiences and quicker turnaround times. Utilized BOA proprietary software platform via laptop/desktop for originations and fulfillment.
• Increased loan approval rates by efficiently assessing borrower profiles and accurately determining creditworthiness. proficiency in BOA underwriting guidelines for portfolio jumbo products as well as conforming and non-conforming loans and non conventional loan products such as FHA, VA and CRA.
• Elevated client satisfaction ratings by consistently delivering personalized service through clear communication channels. Offered strong support for branch operations through cross-sell and knowledge of banks products and systems. Was designated Retail Bank Branch Lending Specialist.
• Achieved consistent growth in loan originations through proactive outreach and relationship building with prospective clients. Forged great referral relationship in the community.
• Four-time Member of The Chairman's Club for excellence in loan originations and production.

• Managed a diverse portfolio of loan products including expertise with Citibank Jumbo Portfolio, FNMA and CRA loan products
• Achieved consistent growth in loan originations through proactive outreach and relationship building with prospective clients. Coordinated homebuyers workshops and seminars.
• Conducted thorough financial analyses to identify potential risks and opportunities within clients'' portfolios, optimizing their lending experience. Proficient with LOIS and Contact Manager originations platforms.
• Assisted in training new Lending Officers, sharing best practices and helping to improve overall team performance.
• Worked closely with Branch personnel.

Consistent top sales producer in NYC market.

Elevated Retail Branch to number one position in mortgage origination for six consecutive years. exceeded Branch goals by 200%

Seven-time Mortgage Sales Excellence and Leadership Award recipient.

• Negotiated favorable loan terms on behalf of clients, securing advantageous deals that aligned with their financial goals. Adept at all loan products including expert in HSBC Premier Portfolio products as well as FNMA, FHLMC, SONYMA, FHA, VA and other CRA products.
• Proficient with D/U and LP, LoanQuest software and proprietary loan processing software.
• Coordinated with other departments, such as processing and closing teams, to streamline workflow and increase overall efficiency. Maintained very strong Branch relationships.
• Provided exceptional customer service throughout the entire mortgage process, resulting in repeat business and client referrals. Built strong community relationships including non-profit groups.
• Organized informational seminars on mortgages for both prospective buyers as well as real estate professionals which resulted in higher referral rates.

Designated Distinguished Member of Technical Staff

• Manage group as Project Manager and Team Leader. Consistently met project deadlines by effectively managing time and prioritizing tasks according to importance.
• Analyzed proposed technical solutions based on customer requirements. Proposed support for end users by resolving issues related to deployed applications.
• Developed scalable and maintainable code, ensuring long-term stability of the software.
• Collaborated with management, internal and development partners regarding software application design status and project progress.
• Developed unit tests to ensure code quality and facilitate future code maintenance.