Kevin Miller
Summary
Organized Mortgage Loan Officer with 24 years of experience in mortgage and finance. Extensive real estate knowledge and success in client education. Adept at mathematical accuracy and following financial regulations. Accomplished Loan Officer dependable in building customer base and exceeding business goals. Well-versed in loan products and customer engagement strategies. Pursues opportunities to build connections, increase bank revenue and cement loyalty.
Overview
15
15
years of professional experience
1
1
Certification
Work History
Mortgage Loan Originator
Fairway Independent Mortgage
11.2021 - Current
- Increased loan application approvals by efficiently processing and reviewing documents for accuracy and compliance.
- Improved client satisfaction rates by providing timely communication and updates on loan statuses.
- Developed strong relationships with real estate agents, increasing referral business and expanding client base.
- Collaborated with underwriters, processors, and other team members to resolve issues, ensuring smooth transactions for all parties involved.
- Analyzed applicant financial data to determine eligibility for various loan products, tailoring recommendations based on individual needs.
- Structured loans creatively to address unique borrower situations and maximize approval chances without compromising compliance standards.
- Explained different types of loans pertaining to client situations.
- Analyzed potential risks and evaluated loan products to identify suitable options for customers.
Regional Manager
Jet Direct Mortgage
04.2019 - 11.2021
- Boosted regional sales by implementing targeted marketing strategies and fostering strong client relationships.
- Enhanced team performance by providing regular coaching, training, and performance feedback to staff members.
- Streamlined operational processes for increased efficiency by identifying areas of improvement and implementing necessary changes.
- Expanded regional presence by researching potential markets, developing strategic partnerships, and opening new locations.
- Implemented cost-cutting measures across the region that led to significant savings without compromising service quality or employee satisfaction.
- Mentored and developed high-potential employees for leadership roles through individualized career development plans and opportunities for growth.
- Established and maintained operational standards for two locations.
Branch Manager
Fairway Independent Mortgage
03.2015 - 03.2019
- Increased branch profitability by implementing cost-saving measures and streamlining operational processes.
- Developed a high-performing team through targeted recruitment, training, and performance management initiatives.
- Strengthened relationships with key clients, securing long-term partnerships and driving revenue growth.
- Implemented effective sales strategies to achieve branch targets and exceed expectations consistently.
- Oversaw daily operations for streamlined efficiency, ensuring timely execution of tasks and optimal resource allocation.
- Ensured regulatory compliance through diligent adherence to industry standards, guidelines, and company policies.
- Resolved various issues impacting sales management and business operations.
- Reviewed historical records, current operational data and forecasting information to identify and capitalize on system enhancement opportunities.
Managing Partner
Millermon Consulting LLC
11.2012 - 03.2015
- Increased client base by implementing effective marketing strategies and fostering long-term relationships.
- Streamlined internal processes for improved efficiency and productivity within the firm.
- Negotiated high-value contracts with clients, securing profitable partnerships for the company.
- Developed comprehensive business plans that led to significant revenue growth and expansion opportunities.
- Implemented innovative solutions to challenges faced by the firm, ensuring its competitive edge in the market.
- Oversaw financial management of the firm, including budgeting, forecasting, and analysis, ensuring fiscal responsibility and profitability.
- Drove innovation initiatives that resulted in unique service offerings for clients while differentiating our firm from competitors in the industry.
Production Manager
Market Consulting Mortgage, Inc
02.2009 - 11.2012
- Streamlined loan production processes by implementing new software and automation tools.
- Improved customer satisfaction rates with timely loan processing and clear communication.
- Managed a team of loan officers, ensuring high levels of productivity and quality service.
- Developed training programs for new hires to quickly acclimate them to company procedures and standards.
- Monitored daily operations, identifying inefficiencies, and implementing solutions to improve overall performance.
- Maintained compliance with industry regulations by regularly reviewing policies and updating as needed.
- Analyzed market trends to identify opportunities for growth within the lending industry.
- Promoted a positive work culture, fostering collaboration among team members and departments.
- Assisted in the development of annual budgets, monitoring expenses to ensure adherence to financial goals.
Education
Bachelor of Arts - History
Hobart & William Smith Colleges
Geneva, NY06.2000
Skills
- Pipeline Management
- Underwriting Guidelines
- Document Preparation
- Residential Mortgage Lending Regulations
- Relationship building
- Risk assessment
- Financial analysis
- Strong communication
- Sales expertise
- Loan structuring
- Financial History Analysis
Certification
- Licensed Mortgage Loan Originator - NMLS#153636
Timeline
Mortgage Loan Originator
Fairway Independent Mortgage
11.2021 - Current
Regional Manager
Jet Direct Mortgage
04.2019 - 11.2021
Branch Manager
Fairway Independent Mortgage
03.2015 - 03.2019
Managing Partner
Millermon Consulting LLC
11.2012 - 03.2015
Production Manager
Market Consulting Mortgage, Inc
02.2009 - 11.2012
Bachelor of Arts - History
Hobart & William Smith Colleges
- Licensed Mortgage Loan Originator - NMLS#153636
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